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Premier Rewards Gold Card from American Express®

in Personal Credit Cards

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Premier Rewards Gold Card from American Express®

Unaffiliated

in Personal Credit Cards

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3 users recommend
6 users are unsure
2 users don't recommend
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Overview

Back in the day, American Express® only issued charge cards requiring payment in full after a grace period of approximately one month. Today, AmEx provides credit cards with revolving payment schedules. But for many people, the real prestige remains with its charge cards. The Gold Card from American Express® is one of the top level personal charge cards.

Who Is the Gold Card from American Express® Designed For?

The American Express® Gold card is ideal for individuals who pay off their credit card balances in full every month. Doing so allows for interest-free purchases with the luxury of an extra 30 days or so to make the payment. The Membership Rewards program is heavily weighted toward luxury items such as airline tickets and hotel stays. On the other hand, everyday purchases such as groceries and utility bills aren't rewarded nearly as much.

Are There Annual Fees?

The annual fee is $195, but it is waived the first year. The first five additional cards are complimentary, but the annual fee for 6 or more cards is $35 per card.

Does the Gold Card from American Express® Offer Rewards?

The slogan for American Express® is “membership has its privileges.” The statement is not an exaggeration. One of the main benefits to holding an Amex card is to get access to the Member Rewards program, which includes early access to in-demand concerts and shows, roadside assistance, baggage insurance, travel accident insurance, car rental collision damage protection, extended warranty and purchase protection.

But the Gold Card from American Express® also features a points program that awards 3 points for every dollar for flights purchased directly with airlines and 2 points for per dollar for purchases at restaurants, gas stations and supermarkets in the US. You can also get 2 points per dollar spent when booking hotel stays for two consecutive nights or more at participating properties. All other purchases earn 1 point per $1. Points can be used for travel, merchandise, gift cards, even charity contributions.

Are There Foreign Transaction Fees?

There are no foreign transaction fees.

Are There Late Payment or Other Penalty Fees?

Late payments or returned payments incur a penalty fee of $38 each. 

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Availability

Available in 50 States and Washington, DC
  • 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

Foreign Currency Transaction Fee
0%
No Annual Fee First Year
No Foreign Transaction Fee
Late Payment Penalty
$38
Returned Payment Fee
$38
Annual Fee
$195
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Credit Score Range
700 - 850
850 300 700
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Minimum Age
18
Customer Type
Personal
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • ID Theft Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
Lost Luggage Insurance
Car Rental Insurance
Extended Warranty
Fraud Liability
Travel Insurance
Emergency Support
Flight Insurance
Bonus Rewards
2x
Rewards Categories
  • Airfare
  • Every Purchase
  • Gas
  • Groceries
  • Hotels
  • Restaurants
  • Trains, Cruises, Other Travel
No Blackout Dates
Every Purchase
1x
No Reward Expiration Period
Signup Bonus (points)
25,000

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