American Express® Gold Card

For People with
Good Credit

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American Express is a Credit Card Insider advertiser

(Rates & Fees)



This is a metal credit card, unlike the old version. It’s currently available in a typical gold style, and was previously available in rose gold as well for regular applicants. For a limited time, you can get the rose gold version again if you apply through a friend’s Refer a Friend link.

It has contactless technology, so you can pay with the card by tapping on terminals that support this option. This is rare for metal credit cards.

The new Gold Card offers 4X Membership Points per dollar at restaurants worldwide and U.S. supermarkets. The supermarket rewards are limited to the first $25,000 spent per year, after which you’ll earn 1X point per dollar.

3X Membership Rewards points are earned for flights booked directly through airlines, or through

An introductory offer of 35,000 bonus points is available for spending $2,000 in the first three months.

Cardholders get a $120 Dining Credit each year, broken up into $10 per month. This credit is only good for purchases from Grubhub, Seamless, Boxed, The Cheesecake Factory, Ruth’s Chris Steak House, and participating Shake Shacks.

There’s also a $100 Airline Fee Credit every year, which is good for incidental charges at the airline of your choice. This covers incidental fees only, like baggage, and doesn’t cover flight tickets.

There are a variety of other perks too, like access to The Hotel Collection which can provide a $100 credit for every eligible hotel stay you book of two nights or more. Quite a few shopping and travel protections are included as well.

The Gold Card costs $250 per year, and has no foreign transaction fees (Rates & Fees).

Card Quick Facts

Card Quick Facts

  • Earn 35,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new Card within the first 3 months.
  • Earn 4X Membership Rewards® points when you dine at restaurants worldwide. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on
  • 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.
  • $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
  • Choose to carry a balance with interest on eligible charges of $100 or more.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees

For People with
Good Credit

Apply Now

American Express is a Credit Card Insider advertiser

(Rates & Fees)



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Card Details



  • 4X Membership Rewards points per dollar at:
    • Restaurants worldwide
    • U.S. Supermarkets (on up to $25,000 in spending per year, then 1X)
  • 3X Membership Rewards points per dollar on:
    • Flights booked directly with airlines
    • Flights booked through
  • 2X Membership Rewards points per dollar at U.S. gas stations (former Premier Rewards Gold Card users only)
  • 1X Membership Rewards point per dollar for every other purchase

Introductory Bonus

  • 35,000 bonus points for spending $2,000 in the first 3 months
Card Stats

Card Stats

Annual Fee $250
Additional Cards Annual Fee $0 for the first 5, then $35 each
Regular Purchase APR N/A
Intro Purchase APR -
Foreign Transaction Fee None
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR See Rates & Fees
Late Fee Up to $39
Returned Payment Fee Up to $39
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR -
Balance Transfer Fee See Terms
Cash Advances

Cash Advances

Cash Advance APR 26.99% Variable
Cash Advance Fee Either $10 or 5% of the amount of each cash advance, whichever is greater.

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • $120 Dining Credit

    Enroll to receive $10 in statement credits per month at eligible merchants: Grubhub, Seamless, Boxed, The Cheesecake Factory, Ruth’s Chris Steak House, participating Shake Shacks.

  • $100 Airline Fee Credit

    An annual $100 statement credit for incidental fees at the airline of your choice, including checked bags, in-flight refreshments, flight-change fees, airport lounge day-passes and more.

  • The Hotel Collection

    Book at least two eligible nights at participating properties to get a $100 hotel credit and room upgrades.

  • The Travel Collection by Travel Leaders Group

    Enroll to get travel discounts and amenities at participating merchants.

  • Lowest Hotel Rates Guaranteed

    Applies to eligible rooms booked through If you find your room being advertised for a lesser price you can be reimbursed.

  • Gold Card Destinations

    A $100 credit for eligible new bookings of vacation packages and cruises of at least $3,000.

  • Amex Offers

    Get exclusive savings at a changing selection of merchants.

  • American Express® Preferred Seating

    Access to premium seats at certain sports and cultural events.

  • Entertainment Access

    Discounts to card member-only events, concerts, sporting events, and shows.

  • Complimentary ShopRunner Membership

    Cardholders can enroll in ShopRunner for free, which comes with free two-day shipping and returns at participating retailers.

  • Pay Over Time

    Eligible charges over $100 can be carried from month to month at a given interest rate.

  • Instant Card Number

    Use your card instantly if American Express can verify your identity. You may not have access to the full credit line.

  • Dispute Resolution

    Help dealing with fraudulent transactions.

  • Zero Liability Protection

    You won’t be held liable for fraudulent transactions (contact customer service immediately).

  • Purchase Protection

    Covers accidental damage, theft, or loss of eligible purchases, up to 120 days and $10,000 per occurrence (90 days for NY, IN, Guam, Puerto Rico, Northern Mariana islands).

  • Extended Warranty

    Eligible manufacturer’s warranties of 5 years or less can be doubled, up to an additional 2 years.

  • Return Protection

    If a merchant won’t take an eligible item back within 90 days, provides up to $300 in reimbursement (up to $1,000 per year).

  • Premium Roadside Assistance

    Call for emergency roadside services like towing or jumpstarts. Up to four eligible services per year are complimentary.

  • Baggage Insurance Plan

    Covers eligible lost, damaged, or stolen baggage when traveling by common carrier, up to $1,250 for carry-on bags and $500 for checked bags.

  • Travel Accident Insurance

    Up to $250,000 in coverage against accidental death and dismemberment when traveling by common carrier.

  • Global Assist Hotline

    Provides 24/7 emergency assistance, including medical and legal referrals, when traveling more than 100 miles from home.

  • Car Rental Loss and Damage Insurance

    Eligible rental vehicles are covered against collision damage and theft, when you decline the rental company’s own insurance.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

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Average rating:  
 2 reviews
by Ben S.
Wonderful card for a foodie!

I've had the Amex Gold card (formerly Premier Rewards Gold) for 4 years now. As someone who eats out constantly, the 4x points on dining is worth every penny. I use the Amex offers all the time (recently had a $75 voucher for purchases of $175 or more at Hilton hotels). The $10 a month Grubhub credit is also useful as I already used that service regularly. I also use the amex pre-sale to get concert tickets frequently. I'm enjoying the update to contactless payment, it works much better than the chip system. Overall, great charge card that I use almost exclusively.

by Dawn Olson

AMEX JOINS THE LOUSY OFFSHORE SERVICE CLUBI've been an Amex customer for over 25 years. I currently hold 3 cards (well, possibly 2 now, assuming their new customer service reps have the remotest CLUE how to close an account, and my confidence in that probability is at about 3% right now). One card had a $13.23 balance on it as of this morning. One card actually belongs to my employer (and if I could NOT use Amex there, I WOULD - believe me, I will campaign for a change). The third card is my Amex Gold card, which I used to fund my daughter's wedding, and currently has a $30K balance on it.I ran into a huge, unexpected cash flow problem with my bank when they erroneously debited my checking account --which I use to pay my Amex monthly bills-- 3X this month for my mortgage. Bear in mind, in the 25 years I've been an Amex customer I have NEVER been late, and I have honored the commitment to the card terms. When I discovered the error my bank had made (on November 30), I immediately called Amex and others to whom payment would be difficult for me to achieve until I got the extra mortgage payment amount returned to my bank.Upon Amex picking up the phone, what first struck me is that the ONE CREDIT CARD COMPANY I had ever worked with that still used Americans to answer their phones and perform customer service responsibilities, had evidently followed the pack of "cheap" customer service strategies and sent their call center off shore to be manned by people who speak English only as a second language. That was a HUGE disappointment, but I had faith because Amex had always been a top notch firm to deal with. I explained the situation, and was told by the Amex rep they understood, not to worry, and the Amex team would work with me until I could recover the monies overpaid to my mortgage lender, which I explained to them could take up to 2 weeks, according to the mortgage lender. I was concerned as we talked that all the salient points of my situation were NOT well understood by the agent with whom I spoke. I also explained to Amex that I was scheduled for surgery a week from the date of that call, so they would know that it may take me some time to be able to complete my "catching up" because of that situation. Again, the Amex agent was supposedly taking notes, and was trying to work with me so I didn't jeopardize my credit, (which is excellent).I finally got the overpaid mortgage money back into my account on December 15, and with the help of another cash flow adjustment I had made to my investment portfolio, I called American Express again (I believe on that same day) to tell them I would be making a large (nearly $10K) payment on the Gold card. I told them I was calling them just to update them on my progress of bringing my account current, to apprise them of the large payment forthcoming, and to confirm with them that the few days it could take for the transfer to be completed would still leave my credit in tact. They assured me that they were taking notes (although again I was not confident that the agent with whom I spoke understood English well enough to capture the gist of our discussion), and that all would be well.I put the payment through from my NEW bank via online banking that same day (December 15), immediately following that call. Online banking would not allow me to put through a $10K payment, so I sent $9,900.I received my bill for my other Amex card yesterday (Monday), and scheduled the payment for the due date it reflected - the one with a $13.23 balance which, according to the bill, is due 10 calendar days from today (December 28). Imagine my surprise, then, to get a rat note from Amex in my email this morning, saying that unfavorable credit decisions may be made on my $13.23 balance card.I called American Express at the number listed on the email note, and was surprised to get a native speaker of English. Unfortunately, his command of the language notwithstanding he turned out to be a very snotty "customer service manager" who said the reason for the rat note is because I am behind in my payment on my other ($30K balance) card. NOTHING in the rat note even REFERS to that other card, but this guy, who had a really disrespectful attitude toward me, told me it didn't matter - that because I am in arrears on the $30K balance card, the purpose of the email letter is to tell me that I may not be able to use the other card.Naturally, I became incensed. First of all, understand, reader, that I had no intention of using EITHER card until all is caught up. My ire arose when this sanctimonious little boy on a power trip, treating me like some filthy grifter, told me in a very rude "too bad" tone of voice that essentially my entire credit profile with American Express has been reclassified because I haven't made payments on time. I asked him if he had read my record to get ANY CLUE of what I had been trying so hard to do to keep Amex informed and to correct a situation over which I had had no control. He said "yeah I read it" like I was the author of bad fiction.Testing to see whether there even WAS a record, let alone whether he had read it, I asked him several questions, all of which presumably could have been answered if he had read the record, assuming one had actually been kept. He did not answer them. In every case he was momentarily silent, and then came back with the same party line about my credit being in a questionable state and subject to review by American Express. Further, he informed me that I owed not $13.23 on the other card, but twice that amount, because according to him, I was late on that card too, which is odd, since the bill I had opened yesterday indicated a $13.23 balance, and next payment date of December 28, 10 days from now.I hung up and called another representative, who spoke English very poorly and spoke over me repeatedly. Evidently I have been relegated as an account holder to the "bad Amex customer" service team, because this person, too, treated me exceptionally discourteously, and had no interest in listening, but was far more interested in reading his script to me.I'm not sure the last representative did so, and I'm worried that I'll have to go around the mulberry bush a few more times, but I tried to close the $13.23 account after paying it off with a direct draw from my bank (for $26+ - just to ensure it gets paid off and closed). This person also told me that there is no record of my having paid $9,900 on my other account yesterday, although my bank says I did so. But no matter what I said about my bank account showing that the debit had occurred, this person simply did not believe me and continued to treat me as a typical delinquent accountholder.I feel sad, actually. I have always worked well with American Express. I have always generously recommended them to others, specifically FOR their outstanding customer service.Now they are like every other credit card company, whose customer "service" representatives have probably never seen an American Express card themselves in their entire lives, most of them have at best a rudimentary grasp of English, and they all carry a blatant attitude that customers are guilty until proven innocent.So I am awaiting confirmation of the $9900 payment on the other card. When that is confirmed, I will send another payment of a similar amount. In another 2 weeks I will send a third, and after that a "clean up" payment to pay that card off. Finally, after more than 25 years, I will close that account and completely sever my personal financial relationship with American Express.I can no longer recommend American Express to anyone. They are like everyone else, and even under carefully explained circumstances that are completely out of character for a very long-term client, they consider YOU a delinquent criminal. Their customer service people now are trained to read a script. Listening is no longer a part of their job, no matter how hard you try to set their expectations to meet whatever is happening in your life to solve an unexpected problem that was beyond your control. Learning about their customers, keeping records of how their customers may try to do the right thing, accounting for customers with long and exceptional records of timely payments, and being honest and working with integrity, are values American Express no longer observes. What was once a great company is gone.I will never make another Amex transaction and I strongly recommend that no one else does, either, including the company I work for.

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