Am I eligible?
To get this card, you must also:
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...
- Garrett Yarbrough, Brendan Dyer, BankrateThe 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.
- John S Kiernan, WalletHubBased 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...
- Robin Ratcliff, CreditCards.comThe 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.
- Chris Dong, The Points GuyThe 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....
- Ben Schlappig, One Mile at a TimeThe 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...
Details
| 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 Maximum |
| Promotions | |
| Sign up bonus |
60000 points after spending $4,000 On purchases within the first 6 months. |
| Rewards | |
| 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 amextravel.com. |
| 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 |
|
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | - |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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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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