American Express Gold Card
in Personal Credit Cards from American Express National Bank
Cast your vote
Would you recommend American Express Gold Card to your friends?
| Community Rating | Mostly recommended |
| Balance Transfer APR (Variable APR) | N/A |
| Credit Score Range | 700 - 850 |
| Annual Fee | $250 |
| Purchase APR (Variable APR) | 16.99% - 23.99% |
| Number of Reviews | 5 |
American Express Gold Card Review
American Express Gold Card is a rewards credit card issued by American Express National Bank. 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.
Key takeaways:
- Generous reward rate. You will get a a rewards rate of 4 points per dollar spent.
- Signup bonus. Offers a signup bonus of 50000 points after spending $4,000 within 3 months that can be redeemed for travel, gifts, or other perks.
- Competitive APRs. American Express Gold Card has a variable purchase APR that ranges from 16.99% up to 23.99%.
- $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
- Gas rewards.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, travel assistance, and fraud protection.
- Good or better credit required. You should probably try with another card if your credit score is below 700.
American Express Gold Card Pros and Cons:
| The Good | The Bad |
|---|---|
|
|
Is there a American Express Gold Card cash back or rewards program?
American Express Gold Card offers a rewards program to its customers.
| Rewards rate (all purchases) | 1% |
| Max rewards rate | 4% |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
| Signup Bonus (Points/Miles) | 50000 |
| Signup Bonus Spend Requirement | $4000 |
| Signup Bonus Spend Period (months) | 3 months |
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 $4000 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
- 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance.American Express Gold Card has a variable purchase APR that ranges from 16.99% up to 23.99%. It also has a variable cash advance APR of 26.24% . 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 introductory APR offer on balance transfers?
No, American Express Gold Card does not come with an introductory APR offer for balance transfers.Does American Express Gold Card have an introductory APR offer on new purchases??
American Express Gold Card does not offer an introductory rate on new purchases.| Description | |
|---|---|
| Introductory Rate | N/A |
| Purchase Intro APR Period (months) | N/A |
What are the American Express Gold Card fees?
The following fees apply to American Express Gold Card:
| Fees | Amount |
|---|---|
| Annual Fee | $250 |
| Foreign Transaction Fee | 0% |
| Returned Payment Fee | $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.
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Contact
- Headquarters
-
World Financial Center
200 Vesey Street
New York, NY 10285 - Visit Site
Other Services by American Express National Bank
View all personal credit cards offered by American Express National Bank
Availability
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
| Airfare (Points) | 3 |
| 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 |
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Purchase APR
17.49% - 26.49%
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Balance Transfer APR
17.24% - 26.24%
(Variable APR)
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Purchase APR
17.24% - 26.24%
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Balance Transfer APR
24.99%
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750 - 850
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17.99% - 26.99%
(Variable APR)
Credit Score Range
690 - 850
Annual Fee
$95
Purchase APR
17.99% - 26.99%
(Variable APR)
Balance Transfer APR
13.99% - 24.99%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$95
Purchase APR
13.99% - 24.99%
(Variable APR)
Balance Transfer APR
16.74% - 25.74%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$99
Purchase APR
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(Variable APR)
Balance Transfer APR
17.24% - 26.24%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$450
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17.24% - 26.24%
(Variable APR)
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N/A
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700 - 850
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14.74% - 25.74%
(Variable APR)
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700 - 850
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$0
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