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  American Express® Gold Card

American Express® Gold Card

in Personal Credit Cards from American Express National Bank

Claimed

American Express® Gold Card

Claimed

in Personal Credit Cards from American Express National Bank

SuperMoney Net Recommendation Score +40% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

Mostly recommended

3 users recommend
1 user is unsure
1 user doesn't recommend
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Highlights
Highlights
Community Rating Mostly recommended
Annual Fee $250
Purchase APR  (Variable APR) 19.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 700 - 850
Number of Reviews 5

American Express® Gold Card Review

American Express® Gold Card is a rewards credit card issued by American Express National Bank. 

This card is designed for people with good credit. The minimum credit score to apply is 700. If you're wondering whether American Express® Gold Card is the right card for you, read on. This is everything you need to know to make a good choice.

Pros & Cons of American Express® Gold Card
The Good The Bad
  • Multiple credit card perks.
  • Cardholders can earn rewards on their purchases.
  • Offers auto rental collision damage waiver.
  • Includes emergency support.
  • Extended warranty protection on purchases.
  • Purchase Protection.
  • Travel Accident Insurance.
  • Travel Assistance.
  • No foreign transaction fee.
  • Earn rewards on every purchase.
  • American Express® Gold Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Charges an annual fee of $250.
  • Is there a American Express® Gold Card cash back or rewards program?

    American Express® Gold Card offers a rewards program to its customers.

    American Express® Gold Card Rewards
    Rewards rate (all purchases) 1%
    Max rewards rate 4%
    Annual rewards limit N/A
    Signup Bonus ($) N/A
    Signup Bonus (Points/Miles) 50000
    Signup Bonus Spend Requirement $2000

    Does American Express® Gold Card have a signup bonus?

    American Express® Gold Card doesn't offer a cash signup bonus. However, it does include a 50000 points signup bonus after spending $2000 that can be redeemed for travel, gifts, or other perks.

    Does American Express® Gold Card offer an annual loyalty bonus?

    American Express® Gold Card doesn't offer a cash loyalty bonus.

    What are the American Express® Gold Card benefits?

    American Express® Gold Card provides the following benefits:

    • Auto Rental Collision Damage Waiver
    • Emergency Support
    • Extended Warranty Protection
    • Zero fraud liability
    • Travel Accident Insurance
    • No blackout dates when redeeming miles
    • Travel Assistance
    • ID Theft Protection
    • Reports to major credit bureaus

    What are the relevant APRs for American Express® Gold Card?

    According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. American Express® Gold Card has higher than average purchase APRs.

    American Express® Gold Card has a variable purchase APR of 19.99%. It also has a variable cash advance APR of 26.99% . Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

    Does American Express® Gold Card have an introductory APR offer?

    American Express® Gold Card does not offer an introductory rate on new purchases.
    American Express® Gold Card Balance Transfers
    Description
    Balance Transfer APR N/A
    Introductory Rate N/A
    Intro APR period (months) N/A
    American Express® Gold Card Rates & Terms
    Description
    Balance Computation Average Daily Balance method (including new transactions)
    Purchase APR 19.99%
    Credit Limit N/A
    Penalty APR 29.99%
    Cash Advance APR 26.99%
    Security Deposit N/A
    Introductory Rate N/A
    Intro APR period (months) N/A

    What are the American Express® Gold Card fees?

    The following fees apply to American Express® Gold Card:

    American Express® Gold Card Fees
    Fees Amount
    Annual Fee $250
    Foreign Transaction Fee 0%
    Returned Payment Fee up to $39
    Late Payment Fee up to $39

    Does American Express® Gold Card have a foreign transaction fee?

    American Express® Gold Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

    Does American Express® Gold Card report your account activity to credit bureaus?

    American Express® Gold Card reports your account activity to the following credit reporting agencies:

    • Equifax
    • Experian
    • Transunion

    Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

    How to apply for American Express® Gold Card

    • Visit the American Express® Gold Card website.
    • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
    • Check the information is accurate and submit your application.
    • If you're denied click here to find out why your application may have been rejected and what you can do about it.

    If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

    SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

    Availability

    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      Available in 50 states and Washington, D.C.
    • Alabama
    • Alaska
    • Arizona
    • Arkansas
    • California
    • Colorado
    • Connecticut
    • Delaware
    • Washington, DC
    • Florida
    • Georgia
    • Hawaii
    • Idaho
    • Illinois
    • Indiana
    • Iowa
    • Kansas
    • Kentucky
    • Louisiana
    • Maine
    • Maryland
    • Massachusetts
    • Michigan
    • Minnesota
    • Mississippi
    • Missouri
    • Montana
    • Nebraska
    • Nevada
    • New Hampshire
    • New Jersey
    • New Mexico
    • New York
    • North Carolina
    • North Dakota
    • Ohio
    • Oklahoma
    • Oregon
    • Pennsylvania
    • Rhode Island
    • South Carolina
    • South Dakota
    • Tennessee
    • Texas
    • Utah
    • Vermont
    • Virginia
    • Washington
    • West Virginia
    • Wisconsin
    • Wyoming

    Feature Breakdown

    Every Purchase (Points) Earn 4X Membership Rewards points when you dine at restaurants worldwide. Earn 4X Membership Rewards points at US supermarkets, on up to $25,000 per year in purchases. Earn 3X Membership Rewards points on flights booked directly with airlines or on amextravel.com
    Foreign Currency Transaction Fee 0%
    No Foreign Transaction Fee  
    No Interest Grace Period for Late Payment 25
    Annual Fee $250
    Cash Advance Fee (%) 5%
    Cash Advance Fee Minimum $10
    Late Fee Amount Up to $39
    Returned Payment Fee Up to $39
    Customer Type Personal
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Minimum Age 18
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Card Network
    • American Express
    Card Type
    • Gas
    • Rewards
    • Travel
    Credit Bureau Reporting
    • Equifax
    • Experian
    • TransUnion
    Car Rental Insurance  
    Credit Card Benefits
    • Auto Rental Collision Damage Waiver
    • Emergency Support
    • Extended Warranty Protection
    • Fraud Liability
    • Identity Theft Protection
    • Purchase Protection
    • Travel Accident Insurance
    • Travel Assistance
    Emergency Support  
    Extended Warranty  
    Flight Insurance  
    Fraud Liability  
    Lost Luggage Insurance  
    Travel Insurance  
    Annual Airline Credit Up to $100
    Bonus Rewards Earn 50,000 Membership Rewards points after you spend $2,000 on purchases on your new Card in your first three months.
    No Blackout Dates  
    No Reward Expiration Period  
    Rewards Categories
    • Airfare
    • Every Purchase
    • Gas
    • Groceries
    • Hotels
    • Restaurants
    • Travel
    Signup Bonus (points) 50,000
    Cash Advance APR (Variable APR) 26.99%
    Purchase APR (Variable APR) 19.99%
    Balance Computation Average Daily Balance method (including new transactions)
    Penalty APR 29.99%

    American Express® Gold Card Community Reviews

     

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