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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.

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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.

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
  • 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?

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 National Bank website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • 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

No Interest Grace Period for Late Payment 25
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee  
Returned Payment Fee Up to $39
Annual Fee $250
Late Fee Amount Up to $39
Cash Advance Fee (%) 5%
Cash Advance Fee Minimum $10
Minimum Age 18
Credit Score Range 700 - 850
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
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
Customer Type Personal
Card Type
  • Gas
  • Rewards
  • Travel
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Card Network
  • American Express
Car Rental Insurance  
Extended Warranty  
Fraud Liability  
Travel Insurance  
Emergency Support  
Flight Insurance  
Lost Luggage 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
Annual Airline Credit Up to $100
Rewards Categories
  • Airfare
  • Every Purchase
  • Gas
  • Groceries
  • Hotels
  • Restaurants
  • Trains, Cruises, Other Travel
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  
Every Purchase 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
No Reward Expiration Period  
Signup Bonus (points) 50,000
Purchase APR (Variable APR) 19.99%
Cash Advance APR (Variable APR) 26.99%
Balance Computation Average Daily Balance method (including new transactions)
Penalty APR 29.99%

American Express® Gold Card Community Reviews

 

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Purchase APR 17.49% - 26.49%
(Variable APR)
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Balance Transfer APR 17.49% - 26.49%
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(Variable APR)
    0% 36% Variable APR
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(Variable APR)
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Purchase APR 14.74% - 25.74%
(Variable APR)
    0% 36% Variable APR
Balance Transfer APR 14.49% - 25.49%
(Variable APR)
    8% 29% Variable APR
Credit Score Range 640 - 850     300 850
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Purchase APR N/A Purchase APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 700 - 850     300 850
Platinum Delta SkyMiles Credit Card

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Rating not yet determined

1 total votes
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Annual Fee $195 Annual Fee
Purchase APR 17.49% - 26.49%
(Variable APR)
    0% 36% Variable APR
Balance Transfer APR 17.49% - 26.49%
(Variable APR)
    8% 29% Variable APR
Credit Score Range 700 - 850     300 850
Amex EveryDay® Preferred Credit Card
Annual Fee $95 Annual Fee
Purchase APR 14.74% - 24.74%
(Variable APR)
    0% 36% Variable APR
Balance Transfer APR 14.74% - 24.74%
(Variable APR)
    8% 29% Variable APR
Credit Score Range 700 - 850     300 850
Hilton Honors American Express Aspire Card
Annual Fee $450 Annual Fee
Purchase APR 17.49% - 26.49%
(Variable APR)
    0% 36% Variable APR
Balance Transfer APR 17.49% - 26.49%
(Variable APR)
    8% 29% Variable APR
Credit Score Range 750 - 850     300 850
Hilton Honors Card from American Express
Annual Fee $0 Annual Fee
Purchase APR 17.49% - 26.49%
(Variable APR)
    0% 36% Variable APR
Balance Transfer APR 17.49% - 26.49%
(Variable APR)
    8% 29% Variable APR
Credit Score Range 750 - 850     300 850
Blue Delta SkyMiles

Blue Delta SkyMiles

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Annual Fee $0 Annual Fee
Purchase APR 17.49% - 26.49%
(Variable APR)
    0% 36% Variable APR
Balance Transfer APR 17.49% - 26.49%
(Variable APR)
    8% 29% Variable APR
Credit Score Range 750 - 850     300 850
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Annual Fee $0 Annual Fee
Purchase APR 25.74% Variable APR
Balance Transfer APR 25.74% Variable APR
Credit Score Range 750 - 850     300 850
American Express Hilton Honors Ascend
Annual Fee $0 Annual Fee
Purchase APR 17.74% - 26.74%
(Variable APR)
    0% 36% Variable APR
Balance Transfer APR 17.74% - 26.74%
(Variable APR)
    8% 29% Variable APR
Credit Score Range 650 - 850     300 850
Hilton Honors American Express Surpass®  Credit Card
Annual Fee $95 Annual Fee
Purchase APR 17.99% - 26.99%
(Variable APR)
    0% 36% Variable APR
Balance Transfer APR 17.99% - 26.99%
(Variable APR)
    8% 29% Variable APR
Credit Score Range 690 - 850     300 850
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Annual Fee $95 Annual Fee
Purchase APR 14.49% - 25.49%
(Variable APR)
    0% 36% Variable APR
Balance Transfer APR 14.49% - 25.49%
(Variable APR)
    8% 29% Variable APR
Credit Score Range 700 - 850     300 850
Gold Delta SkyMiles from American Express
Annual Fee $95 Annual Fee
Purchase APR 17.49% - 26.49%
(Variable APR)
    0% 36% Variable APR
Balance Transfer APR 17.49% - 26.49%
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    8% 29% Variable APR
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Delta Reserve from American Express
Annual Fee $450 Annual Fee
Purchase APR 17.49% - 26.49%
(Variable APR)
    0% 36% Variable APR
Balance Transfer APR 17.49% - 26.49%
(Variable APR)
    8% 29% Variable APR
Credit Score Range 700 - 850     300 850
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Annual Fee $550 Annual Fee
Purchase APR 26.99% Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 700 - 850     300 850
The Starwood Preferred Guest Credit Card from American Express®
Annual Fee $95 Annual Fee
Purchase APR 16.74% - 20.74%
(Variable APR)
    0% 36% Variable APR
Balance Transfer APR 16.74% - 20.74%
(Variable APR)
    8% 29% Variable APR
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American Express Cash Magnet

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Annual Fee $0 Annual Fee
Purchase APR 14.74% - 25.74%
(Variable APR)
    0% 36% Variable APR
Balance Transfer APR 14.74% - 25.74%
(Variable APR)
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Credit Score Range 700 - 850     300 850