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American Express® Gold Card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
21.24% ‐ 29.24% (Variable) (0% for the first 6 months)
Interest Rate: Purchases
21.24% ‐ 29.24% (Variable) (0% for the first 6 months)
Balance Transfer
Balance Transfer
1 - 4 points
1 - 4 points
Signup Bonus
60000 points (after spending $6,000)
Signup Bonus
60000 points (after spending $6,000)

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 35 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 at restaurants 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, Bankrate

For dining enthusiasts who can maximize the annual credits on this card, it's well worth the annual fee.

- Claire Tsosie, NerdWallet
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. If you can take full advantage of them, the up to $120 in annual statement credits on dining and up to $120 annually in Uber cash add even more val...

- Emily Thompson, Ryan Wilcox, The Points Guy

Worth it for those who frequently travel, eat out at restaurants, and can utilize the card's added perks. While the annual fee is a little on the hefty side at $250, this can be easily offset by taking full advantage of the numerous benefits offered by the card.

- Jennifer Doss,

The American Express Gold Card is undoubtedly worth it if you use the welcome offer, category bonuses and recurring benefits. The annual Uber and dining credits alone can justify the $250 annual fee. Meanwhile, perks like access to The Hotel Collection and Amex Offers can offer an incentive to keep...

- Ariana Arghandewal, SlickDeals


Interest Rates
Regular APR Interest Rate 21.24% ‐ 29.24% (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 $6,000

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
  • 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, The Cheesecake Factory, Goldbelly,, Milk Bar and select 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
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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.

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