American Express® Gold Card

American Express® Gold Card

BEST FOR: Our pick for best all-around travel rewards program

Apply Now

on American Express's secure site

Rates & Fees | Terms Apply

American Express® Gold Card

Apply Now

on American Express's secure site

Rates & Fees | Terms Apply

American Express® Gold Card Review

The card offers a much faster way to earn rewards points on various purchases such as restaurants and U.S. supermarkets. There's no foreign transaction fee and balances must be paid in full at the end of every month. To see rates & fees for American Express® Gold Card please click here.

3.5

 

Rated 3.5/5.0 stars by our editorial team

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Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.

American Express® Gold Card

An Advertising Partner
  Apply Now
American Express<sup>®</sup> Gold Card
Apply Now

on American Express's secure site

Rates & Fees | Terms Apply

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American Express® Gold Card

An Advertising Partner

WELCOME OFFER

Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

REWARDS RATE

Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), and 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Terms apply.

Purchase APR

See Pay Over Time APR

Foreign Transaction Fee

None

Extra Perks

$120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.

Annual Fee

$250

Card Brand

American Express

Recommended Credit Score

Good/Excellent

Highlights

  • Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.

Additional Info

Foreign Transaction Fee

None

Balance Transfer Fee

N/A

$0 Fraud Liability

No

Auto Rental Insurance

Yes

Extended Warranty Program

Yes

Roadside Assistance

No

Purchase Protection

Yes

Travel Assistance

Yes

Flight Accident Insurance

No

Lost Luggage Reimbursement

No

Concierge Service

Yes

See your approval odds before you apply
There's no impact to your credit

Expert Review

Editor's Overall Rating

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Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.

3.5

         
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Features

Our pick for best all-around travel rewards program

From the LendingTree editorial team, updated on Feb 14, 2024

The American Express® Gold Card is specifically designed for those who really enjoy their membership reward benefits. This card allows you to earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), and 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Terms apply. Cardholders can also earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership. Membership Rewards® can be used on multiple airlines with no seat restrictions or blackout dates, or they can be used to book hotels, cruises and vacation packages – all while still earning from your own frequent flyer and guest rewards programs, as applicable. Points can also be redeemed for rewards from participating retailers.

The American Express® Gold Card provides cardholders with a suite of services such as Fraud Protection Guarantee, Return Protection, Extended Warranty, Purchase Protection, and Emergency Card Replacement services. American Express Travel Service is also available with features like Baggage Insurance Plan, Emergency Check-In, Assured Reservations, Car Rental Loss and Damage Insurance, and Travel Accident Insurance. Some programs and services may require enrollment. *Terms and limitations apply. 

To see rates & fees for American Express® Gold Card please click here.

The Good

  • You can fast-track your rewards and earn them up to three times as fast while enjoying all the prestige and benefits of an American Express® Gold Card.

The Not So Good

  • Prestige comes at a price. You pay $250 annually

The Bottom Line

The card offers a much faster way to earn rewards points on various purchases such as restaurants and U.S. supermarkets. There's no foreign transaction fee and balances must be paid in full at the end of every month. To see rates & fees for American Express® Gold Card please click here.


Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by American Express.

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