American Express® Gold Card
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The contactless, eye-catching American Express Gold Card earns 4X points per dollar at U.S. supermarkets (up to $25,000 per calendar year in purchases, then 1X) and restaurants, while providing a solid selection of benefits and protections for shopping and travel. It’ll cost you $250 per year, but you’ll also get annual access to a $120 dining credit and $100 airline credit to soften the blow.
American Express is a Credit Card Insider advertiser.
American Express® Gold Card
Highlights & Features
(Rates & Fees)Rewards
- 4X Membership Rewards points per dollar at:
- Restaurants worldwide
- U.S. Supermarkets (up to $25,000 per calendar year in purchases, then 1X)
- 3X Membership Rewards points per dollar on:
- Flights booked directly with airlines
- Flights booked through amextravel.com
- 1X Membership Rewards point per dollar for every other purchase
INTRODUCTORY BONUS
35,000 bonus points for spending $4,000 in the first 3 monthsBalance Transfers
A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.
| Intro Balance Transfer APR | N/A |
| Regular Balance Transfer APR | See Pay Over Time APR |
| Balance Transfer Fee | N/A |
Fees
| Penalty APR | See Rates & Fees |
| Late Fee | Up to $40 |
| Returned Payment Fee | Up to $40 |
| Additional Cards Annual Fee | $0 for the first 5, then $35 each |
| Foreign Transaction Fee | None |
Cash Advances
Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.
| Cash Advance APR | 25.24% Variable |
| Cash Advance Fee | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
American Express® Gold Card
Highlights
(Rates & Fees)- Earn 35,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 3 months.
- Earn 4X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery.
- 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 Dining Credit: 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.
- No Foreign Transaction Fees.
- Annual Fee is $250.
- Terms Apply.
ABOUT THE ISSUER
American Express
American Express has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your
Credit card issuer's websiteThe new Gold card is a metal 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 calendar year on purchases, after which you’ll earn 1X point per dollar.
3X Membership Rewards points are earned for flights booked directly through airlines, or through amextravel.com.
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).
