American Express® Gold Card

The American Express® Gold Card is a charge card that offers points for travel, hotel credits, and a wide variety of benefits.

For a better version of this card that comes with more rewards, check out the American Express® Premier Rewards Gold Card.

Insider Tip: You may be able to get the annual fee on this card waived. Just call customer service and ask nicely to have it waived, explaining that you’ve been a good, responsible customer for some time. Or, if you’re thinking of canceling the card, you can let them know that you’d consider staying with them if they waive the fee. In some cases they may offer a different incentive, like bonus points.

And if you’re in the military on active duty, you can submit an online request for SCRA benefits, which will probably include having the annual fee waived.

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  • Rewards
    • Earn 2 points for every $1 spent on flights booked directly with airlines and U.S. restaurants
    • Earn 1 point for every $1 spent on all other purchases
    • Use points on over 500 leading brands in travel, gift cards, merchandise, or entertainment
    • Points can be transferred to a selection of frequent traveler programs
    • Pay with points for flights, hotels, vacations or cruises. No blackout dates or seat restrictions when you book with your card
  • Signup Bonus None
  • Chip Technology Chip-and-Signature
  • Foreign Transaction Fee 0%
  • Intro Balance Transfer APR -
  • Regular Balance Transfer APR -
  • Cash Advance APR -
  • Penalty APR -
  • Late Fee Up to $38 or 2.99%, whichever is greater
  • Returned Payment Fee Up to $38

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.

Perks

  • Room Upgrade & $75 Hotel Credit

    On eligible dining, spa or resort activities when you stay a minimum of two consecutive nights and spend at least $75.

  • Amex Offers

    Get exclusive savings on dining, travel, entertainment, and other purchases.

  • 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.

Security

  • Dispute Resolution

    Help dealing with fraudulent transactions.

  • Zero Liability Protection

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

Shopping

  • Extended Warranty

    For warranties of 5 years or less you can get up to one extra year added to the original manufacturer’s warranty.

  • Purchase Protection

    Items purchased with your card are protected against accidental damage and theft within 90 days of the purchase.

  • Return Protection

    If you can’t return an eligible item within 90 days from the date of purchase, American Express may refund the purchase price up to $300 per item, up to $1,000 per year.

Travel

  • Personalized Travel Service

    Includes assistance with finding destinations, making reservations at hotels and for travel, and planning for cruises and tours.

  • Lowest Hotel Rates Guarantee

    If you book an eligible hotel through amextravel.com and find the same offer at a lower price elsewhere, you can be refunded the difference.

  • Global Assist® Hotline

    When you travel 100 miles or more from home you can get help with travel accidents such as a lost passport, the need for a lawyer, sudden illness, and more. You pay for all third-party service costs.

  • Travel Accident Insurance

    Added financial security if a death is caused when traveling by plane, train, ship, or bus.

  • Baggage Insurance Plan

    When traveling by common carrier, provides coverage for both checked ($500) and carry-on bags ($1,250).

  • Roadside Assistance Hotline

    Call for assistance in a variety of auto emergencies, including towing, tire change, and lockout services (cardholder must pay all third-party costs).

  • Car Rental Loss and Damage Insurance

    Provides coverage for stolen or damaged vehicles, as long as you decline the rental company’s own insurance. Provides secondary coverage only, not liability coverage.

Visitor Reviews

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

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