American Express® Gold Card

For People with
Good Credit

The American Express Gold Card is an update to the older Premier Rewards Gold Card from American Express (Review). If you had the Premier Rewards Gold you’ll automatically be upgraded to the new card product.

This is a metal credit card, unlike the old version. It’s available in either a typical Gold style or Rose Gold (the Rose Gold version is only available until 1/9/2019). If you had the Premier Rewards Gold and you’d like to get a new metal card, you can begin the process to order a replacement card and you’ll see an option to request a metal card in either Gold or Rose Gold.

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

The new Gold Card offers 4X Membership Points per dollar at U.S. restaurants and U.S. supermarkets. The supermarket rewards are limited to the first $25,000 spent per year.

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

The old Premier Rewards Gold card offered 2X Membership Rewards points at U.S. gas stations as well, but the new Gold card does not include it. However, if you had the original Premier Rewards Gold you’ll get to keep this 2X gas category.

An introductory offer of 25,000 bonus points is available for spending $2,000 in the first three months. And until 1/9/2019, new cardmembers will get 20% back as a statement credit for purchases at U.S. restaurants, up to $100 back.

Cardholders get a $120 Dining Credit each year, broken up into $10 per month. This credit is only good for purchases from Grubhub, Seamless, 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 $75 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.

Card Quick Facts

Card Quick Facts

  • 4X Membership Rewards points at U.S restaurants
  • 4X Membership Rewards points at U.S supermarkets, up to $25,000 in spending per year
  • 3X Membership Rewards points on flights booked directly through airlines and through
  • 25,000 bonus points for spending $2,000 in the first 3 months after account opening
  • 20% back at U.S. restaurants for the first 3 months, up to $100 back (for cardmembers who apply by 1/9/19)
  • $120 annual Dining Credit at select restaurants ($10 per month)
  • $100 annual Airline Fee Credit, good for incidental fees at the airline of your choice
  • No foreign transaction fees
  • $250 annual fee

For People with
Good Credit

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Card Details



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

Introductory Bonus

  • 25,000 bonus points for spending $2,000 in the first 3 months; 20% back at eligible restaurants for the first 3 months, up to $100 back
Card Stats

Card Stats

Annual Fee $250
Additional Cards Annual Fee $0 for the first 5, then $35 each
Regular Purchase APR Not Applicable - Paid in Full Monthly
Intro Purchase APR -
Foreign Transaction Fee None
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR 29.99% Variable
Late Fee Up to $38
Returned Payment Fee Up to $38
Balance Transfers

Balance Transfers

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

Cash Advances

Cash Advance APR -
Cash Advance Fee -

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, 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 $75 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.

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