Note: We may earn commissions (at no cost to you) if you buy through links on our site. Learn more.

American Express® Gold Card review

Compare Compare  
Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
20.74% ‐ 27.74% (Variable) (0% for the first 6 months)
Interest Rate: Purchases
20.74% ‐ 27.74% (Variable) (0% for the first 6 months)
Balance Transfer
Balance Transfer
1 - 4 points
1 - 4 points
Signup Bonus
60000 points (after spending $4,000)
Signup Bonus
60000 points (after spending $4,000)

Informr score
The American Express® Gold Card currently has an Informr score of 8.9 out of 10. This score is based on our evaluation of 31 sources including reviews from users and the web's most trusted critics.

Am I eligible?

American Express® Gold Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


The Amex Gold card is an incredible option for earning travel rewards on dining and U.S. supermarket purchases. But the annual fee and lower rewards value for non-travel options likely make this a poor fit for occasional travelers or households just looking for cash back on everyday spending.

- Garrett Yarbrough, Brendan Dyer, Bankrate

Based on my analysis of Amex Gold and 1,500+ other credit card offers, the American Express® Gold Card is a good credit card for people with a 700+ credit score who want to earn bonus rewards on travel and dining purchases. Amex Gold charges a $250 annual fee, but it also offers plenty of benefits t...

- John S Kiernan, WalletHub

The annual fee is pricey, but if you’re searching for the most rewarding card for food purchases, the American Express Gold Card may be your best option.

- Robin Ratcliff,
The Points Guy
The Points Guy

The Amex Gold isn’t just a pretty card. The earning rates at restaurants and U.S. supermarkets make it a strong pick for pretty much all food purchases. The up to $120 in annual statement credits on dining and up to $120 in Uber cash add even more value and make the $250 annual fee easier to accept....

- Chris Dong, The Points Guy
One Mile at a Time
One Mile at a Time

The Amex Gold Card is one of American Express’ best credit cards for earning points. With 4x points on dining and supermarkets, earning Membership Rewards points is easy. The card also offers some credits that are potentially useful, which for many will help offset the annual fee. The card offers up...

- Ben Schlappig, One Mile at a Time


Interest Rates
Regular APR Interest Rate 20.74% ‐ 27.74% (Variable) (0% for the first 6 months)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate

Not available

Cash Advance Interest Rate 29.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $250.00
Balance Transfer Fee
Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $40.00


Sign up bonus 60000 points after spending $4,000

On purchases within the first 6 months.

All Purchases 1 point per $1 spent
Restaurants 4 points per $1 spent

When you dine at restaurants worldwide.

Gas No
Groceries 4 points per $1 spent (on first $25000 spent)

Limited to supermarkets in the US.

Hotels No
Travel 3 points per $1 spent

For flights booked directly with airlines or on

Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability No
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments No
Virtual Cards Yes
Additional Benefits
  • Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub. 
  • Up to $100 Airline Fee Credit per calendar year.
  • Baggage Insurance Plan
  • Global Assist Hotline
  • Complimentary Shoprunner Membership
  • American Express Preferred Seating
  • Trip Delay Insurance
  • Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • Add your Gold Card to your Uber account, and you’ll automatically get $10 in Uber Cash each month, for a total of up to $120 per year. You can use your monthly Uber Cash on Uber Eats orders or Uber rides in the U.S.
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
Suggest a correction

Disclaimer: All products, logos, images and trademarks are the property of their respective owners. Content is not provided or commissioned by any company mentioned. Any views, analyses, or recommendations expressed here are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any company mentioned.

Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

The Informr is an independent, advertising supported website and may receive compensation for sponsorships or when you click on certain affiliated links.

Use this card?

Help inform others by sharing your experience with American Express® Gold Card

Rate It: