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American Express

American Express Gold Card

TravelCash BackDiningGroceryExcellent CreditHotelAirline

Key Features

Annual Fee$325.00
Sign-up BonusUp to 100,000 Membership Rewards points
Rewards Rate1x-4x points
Regular APR
APR for Pay Over Time Feature 19.49% to 28.49% variable APR on eligible charges.
NetworkAmerican Express
Best for those with
Very Good Credit

About this card

Overall Rating

Pros & Cons

What's great

  • Generous sign-up bonus
  • High rewards rate
  • Rewards on dining
  • Rewards on groceries
  • Statement credits for dining and Uber

Things to consider

  • Annual fee
  • High regular APR

What this card offers

Sign-up bonuses

  • AS HIGH AS 100,000 Membership Rewards points after you spend $6,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer.

Rewards

  • 4X POINTS At Restaurants Worldwide, on up to $50K in purchases per calendar year.
  • 4X POINTS On Groceries At U.S. supermarkets, on up to $25K in purchases per calendar year.
  • 3X POINTS On Flights Booked directly with airlines or on AmexTravel.com.
  • 2X POINTS On Prepaid Hotels and other eligible travel purchases, booked through AmexTravel.com.
  • 1X POINTS On Other Eligible Purchases.

Other features

  • Gold or Rose Gold: Whichever color you choose, you'll receive the same backing and benefits of the American Express Gold Card. Choose your design when applying.
  • $120 Uber Cash on Gold Get $10 in Uber Cash each month to use on orders and rides in the U.S. when an Amex Card is selected for the transaction. Add your Card to your Uber account to get started.
  • $84 Dunkin' Credit Earn up to $7 in monthly statement credits after you pay with the American Express Gold Card at U.S. Dunkin' locations. Enrollment required.
  • $100 Resy Credit Get up to $100 in statement credits each calendar year after you pay with the American Express Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
  • $120 Dining Credit Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at participating partners. This can be an annual savings of up to $120. Enrollment required.
  • The Hotel Collection
  • Book two nights or more with The Hotel Collection through AmexTravel.com and receive a $1001 credit towards eligible charges.
  • 1Eligible charges vary by property.
  • More Ways To Pay
  • Pay Over Time and Plan It give Card Members different kinds of flexibility.
  • Pay Over Time lets you carry a balance with interest up to your Pay Over Time Limit
  • Plan It lets you select large purchases to split into equal monthly installments with a fixed fee
  • You can choose either option or pay in full each month. You must pay in full, by the Payment Due Date, any charge or a portion of a charge that is not added to a Pay Over Time, Cash Advance, or Plan balance.

Additional Notes

Know if you're approved with no credit score impact

Ratings

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American Express Gold Card Review | Creditminds