Last Updated: 10/08/2025
American Express® Gold Card
Claimed
Last Updated: 10/08/2025
SuperMoney User Recommendation Score +75
Strongly recommended12 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
20.74% - 28.74%(Verified 07/03/2025)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A(Verified 07/03/2025)
Credit Score Range
N/A
Annual Fee
$325
Disclaimer popup with additional information
Number of Reviews
American Express® Gold Card Review
This is a travel card issued by American Express® National Bank. If you're wondering whether American Express® Gold Card is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 4 reward points per dollar spent.
- As High As 100,000 points. Find Out Your Offer. You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 20.74% up to 28.74%.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Gas rewards. on eligible fuel purchases.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, travel assistance, and fraud protection.
Pros & Cons of American Express® Gold Card
| The Good | The Bad |
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American Express® Gold Card FAQ
Does American Express® Gold Card have a cash back or rewards program?
American Express® Gold Card is a travel rewards card.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Airfare | 3 x points (Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Groceries | 4 x points (Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Hotels | 2 x points (Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Restaurants | 4 x points (Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 x points (Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does American Express® Gold Card have a signup bonus?
Yes. As High As 100,000 points. Find Out Your Offer. You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Does American Express® Gold Card offer an annual loyalty bonus?
This 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
- Zero fraud liability
- No blackout dates when redeeming miles
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for American Express® Gold Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.American Express® Gold Card has a variable purchase APR that ranges from 20.74% up to 28.74%. American Express® Gold Card does not offer balance transfers. It also has a variable cash advance APR of 29.24% .
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 intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. American Express® Gold Card does not offer balance transfers.Does American Express® Gold Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for American Express® Gold Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $325 (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $325*$325 .
Does American Express® Gold Card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for American Express® Gold Card?
The customer service number for American Express® Gold Card is (800) 528-4800.
What is the support contact email for American Express® Gold Card?
The support contact email for American Express® Gold Card is info@americanexpress.com.
How do people rate the customer service and user experience of American Express® Gold Card?
Overall, American Express® Gold Card is strongly recommended based on community reviews that rate customer service and user experience.
Does American Express® Gold Card report your account activity to credit bureaus?
Yes, American Express® Gold Card reports to the following credit bureaus:
- 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 may help build your credit.
Does American Express® National Bank perform a hard credit pull?
Yes, American Express® Gold Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for American Express® Gold Card
- Visit the website of American Express® Gold Card.
- 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
American Express® Gold Card Disclosure: Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. All information about American Express® Gold Card has been collected independently by SuperMoney. Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company. You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial, or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Third-party service costs may be your responsibility. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers. When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited to up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
View American Express® Gold Card's published terms & conditions
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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
7:00AM - 12:00AM
Monday
7:00AM - 12:00AM
Tuesday
7:00AM - 12:00AM
Wednesday
7:00AM - 12:00AM
Thursday
7:00AM - 12:00AM
Friday
7:00AM - 12:00AM
Saturday
7:00AM - 12:00AM
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Other Credit Cards from American Express® National Bank
Purchase APR
18.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
18.24% - 29.24%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$0
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
19.99% - 28.99%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$0
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$0 - $150
Disclaimer popup with additional information
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$0
Purchase APR
20.74% - 28.74%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$895
Purchase APR
21.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
21.24% - 29.24%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$150
Rating not yet determined
Purchase APR
20.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$550
Rating not yet determined
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$150
Disclaimer popup with additional information
Rating not yet determined
Purchase APR
18.24%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$5K
Rating not yet determined
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$650
Disclaimer popup with additional information
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +75, or 4.5 on a 5-point rating scale.
+75
-1000+100
No one recommends
Everyone recommends
American Express® Gold Card Community Reviews
Would you recommend American Express® Gold Card to your friends?
Nikita K.
Jun 16, 2023
May or may not recommend
American Express Gold Credit Card has been a valuable in managing my finances. Its generous rewards program has allowed me to earn points on every purchase, which I can redeem for a variety of benefits, including travel and I travel a lot so its very helpful. The card also provides excellent customer service and a range of additional perks such as travel insurance and exclusive access to events. The Gold ...Show More
BP
Bryn P.
Jun 5, 2022
May or may not recommend
This is a great card! The annual fee is low and the perks are great. For us, we had the platinum card but the annual fee was too expensive so this was a great compromise. AMEX is great to work with and we plan to be customers forever.
JO
Jillian O.
Feb 17, 2022
May or may not recommend
This is a very great card. The sky mile rewards are the biggest quality. American Express is one of the most reliable credit card companies in my opinion, and I am disappointed that not everywhere services it!
AH
Adelaide H.
Jan 31, 2022
May or may not recommend
The main advantage of this card is the skymile rewards; definitely the best value for the reward points. Another useful feature is the ability to create different spending limits for other card users. Great for kids or spend accounts. The only drawback is that the other card users can only check their balance by going through the robot on the 1-800 number or through the primary cardholder online account.
LM
Lee M.
Nov 28, 2020
May or may not recommend
I have had this card for 12 years. If you do your research, you will find some amazing benefits that it offers. I use it mainly for Amazon Prime purchases and for groceries. The latter will give you 2x points for every dollar spent (that can then be used on sites like Amazon). Aside from that, their desktop site is pretty dynamic and can be used as a great budgeting ...Show More
DO
Dahunsi O.
Nov 18, 2020
May or may not recommend
The American Express Gold Card functions as advertised. You can enjoy amazing interest rates on deposits and frequent discounts on transactions. Earnings rates and reward points are also some of the best in the industry, while the card works like clockwork for travelers.
AB
Alexandra B.
Nov 5, 2020
May or may not recommend
I've had the Gold Card for a little over a year now, and have had a great experience. I've had a card with American Express for a number of years because I love their customer service. This card comes with a higher annual fee, but after a lot of research, it has the best rewards. American Express caters to frequent flyers and travels who spend at hotels and restaurants. The ...Show More
U
Anonymous
May 9, 2015
May or may not recommend
The annual fee for this card is waived the first year, but it does charge you the second year for $125 and $35 for any additional cards. That being said, it's important to use the card as much as possible to earn enough points for this to make sense. I like American Express, but I'm not all that excited about paying an annual fee when there are other Visas and ...Show More
U
Anonymous
Apr 25, 2015
May or may not recommend
I thought the customer service from American Express was supposed to be premium, but it looks like that isn't the case. At least not for me. I was in dire need of some real assistance when I was overseas recently and they didn't come through for me. Otherwise the experience with them has been good.
U
Anonymous
Apr 25, 2015
May or may not recommend
With this card, membership does have its privileges. I am a music fan, and I wanted the benefit of getting early access to concerts and shows. I also like their points program that means that you get 2 points for every dollar you spend at their travel site and one point otherwise. Overall, it's been a pretty good card (I've had it about a year). It was worth it when ...Show More
Terry A.
Oct 11, 2013
May or may not recommend
This card has helped my family maintain budget goals with its net 30 approach to finances. Every family should have 1
Kevin R.
Oct 10, 2013
May or may not recommend
I love this card. Whatever I purchase is insured when I use this card. I bought a Kindle Fire from a local electronic store. It didn't work and when I went back to the store they gave me a hassle exchanging it. I made one call to AMEX and they gave me my money back. Just like that. I use this now card ...Show More
Showing 12 of 12 reviews
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