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 |
| Annual Fee | $250 |
| Purchase APR (Variable APR) | 19.99% |
| Balance Transfer APR (Variable APR) | N/A |
| Credit Score Range | 700 - 850 |
| Number of Reviews | 5 |
American Express® Gold Card Review
American Express® Gold Card is a rewards credit card issued by American Express National Bank.
This card is designed for people with good credit. The minimum credit score to apply is 700. If you're wondering whether American Express® Gold Card is the right card for you, read on. This is everything you need to know to make a good choice.
Is there a American Express® Gold Card cash back or rewards program?
American Express® Gold Card offers a rewards program to its customers.
| Rewards rate (all purchases) | 1% |
| Max rewards rate | 4% |
| Annual rewards limit | N/A |
| Signup Bonus ($) | 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.| Description | |
|---|---|
| Balance Transfer APR | N/A |
| Introductory Rate | N/A |
| Intro APR period (months) | N/A |
| 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:
| 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.
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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
| 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 |
American Express® Gold Card Community Reviews
Would you recommend American Express® Gold Card to your friends?
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Annual Fee
$195
Purchase APR
17.49% - 26.49%
(Variable APR)
Balance Transfer APR
17.49% - 26.49%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$95
Purchase APR
14.74% - 24.74%
(Variable APR)
Balance Transfer APR
14.74% - 24.74%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$450
Purchase APR
17.49% - 26.49%
(Variable APR)
Balance Transfer APR
17.49% - 26.49%
(Variable APR)
Credit Score Range
750 - 850
Annual Fee
$0
Purchase APR
17.49% - 26.49%
(Variable APR)
Balance Transfer APR
17.49% - 26.49%
(Variable APR)
Credit Score Range
750 - 850
Annual Fee
$0
Purchase APR
17.49% - 26.49%
(Variable APR)
Balance Transfer APR
17.49% - 26.49%
(Variable APR)
Credit Score Range
750 - 850
Annual Fee
$0
Purchase APR
25.74%
Balance Transfer APR
25.74%
Credit Score Range
750 - 850
Annual Fee
$0
Purchase APR
17.74% - 26.74%
(Variable APR)
Balance Transfer APR
17.74% - 26.74%
(Variable APR)
Credit Score Range
650 - 850
Annual Fee
$95
Purchase APR
17.99% - 26.99%
(Variable APR)
Balance Transfer APR
17.99% - 26.99%
(Variable APR)
Credit Score Range
690 - 850
Annual Fee
$95
Purchase APR
14.49% - 25.49%
(Variable APR)
Balance Transfer APR
14.49% - 25.49%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$95
Purchase APR
17.49% - 26.49%
(Variable APR)
Balance Transfer APR
17.49% - 26.49%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$450
Purchase APR
17.49% - 26.49%
(Variable APR)
Balance Transfer APR
17.49% - 26.49%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$550
Purchase APR
26.99%
Balance Transfer APR
N/A
Credit Score Range
700 - 850
Annual Fee
$95
Purchase APR
16.74% - 20.74%
(Variable APR)
Balance Transfer APR
16.74% - 20.74%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$0
Purchase APR
14.74% - 25.74%
(Variable APR)
Balance Transfer APR
14.74% - 25.74%
(Variable APR)
Credit Score Range
700 - 850
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