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  American Express® National Bank Gold Credit Card

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American Express® National Bank Gold Credit Card Claimed

American Express® National Bank Gold Credit Card

Claimed
SuperMoney Net Recommendation Score +75  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +75, equating to 4.5 on a 5 point rating scale.

+75

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.

Strongly recommended

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Highlights
Community Rating Strongly recommended
Purchase APR  (Variable APR) 20.99% - 28.99%
(Verified 08/04/2023)
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 670 - 850
Annual Fee $250
Number of Reviews 12

American Express® National Bank Gold Credit Card Review

This is a rewards card issued by American Express National Bank. If you're wondering whether American Express® National Bank Gold Credit 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.
  • Earn 75,000 Membership Rewards points after you spend $4,000 or more on eligible purchases on your Card within your first 6 months of Card Membership starting from the date your account is approved.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 20.99% up to 28.99%.
  • 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.
  • Good or better credit required. You will have low approval odds if your credit score is below 670.

Pros & Cons of American Express® National Bank Gold Credit Card

The Good The Bad
  • Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations.
  • Multiple credit card perks.
  • Offers Auto Rental Collision Damage Waiver.
  • Travel assistance insurance
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • American Express® National Bank Gold Credit Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • You need good credit to qualify.
  • Charges an annual fee of $250

American Express® National Bank Gold Credit Card FAQ

Does American Express® National Bank Gold Credit Card have a cash back or rewards program?

American Express® National Bank Gold Credit Card is a travel rewards card.

American Express® National Bank Gold Credit Card Rewards
Minimum rewards rate 1x
Max rewards rate 4x
Annual rewards limit N/A
Signup Bonus (Points/Miles) 50000
Signup Bonus Spend Requirement $4000
Signup Bonus Spend Period (months) 3 months

Does American Express® National Bank Gold Credit Card have a signup bonus?

This 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® National Bank Gold Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the American Express® National Bank Gold Credit Card benefits?

It 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® National Bank Gold Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

American Express® National Bank Gold Credit Card has a variable purchase APR that ranges from 20.99% up to 28.99%. It also has a variable cash advance APR of 29.99% . 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® National Bank Gold Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does American Express® National Bank Gold Credit 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® National Bank Gold Credit Card?

The following fees apply:

American Express® National Bank Gold Credit Card Fees
Description
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee?
Annual Fee $250
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $40
Late Fee Amount Up to $40

This card charges a $250 annual fee.

Does American Express® National Bank Gold Credit 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® National Bank Gold Credit Card?

The American Express® National Bank Gold Credit Card customer service number is (800) 528-4800.

What is the support contact email for American Express® National Bank Gold Credit Card?

The support contact email for American Express® National Bank Gold Credit Card is info@americanexpress.com.

What is the American Express® National Bank Gold Credit Card login page?

You can access the American Express® National Bank Gold Credit Card login page here.

How do people rate the customer service and user experience of American Express® National Bank Gold Credit Card?

Overall, American Express® National Bank Gold Credit Card is strongly recommended based on community reviews that rate customer service and user experience.

Does American Express® National Bank Gold Credit Card report your account activity to credit bureaus?

Yes, American Express® National Bank Gold Credit 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 may help improve your credit.

How to apply for American Express® National Bank Gold Credit Card

  • Visit the American Express® National Bank Gold Credit 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 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...
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.

Contact

Hours of Operation

  • Sunday 7:00am - 12:00pm
  • Monday 7:00am - 12:00pm
  • Tuesday 7:00am - 12:00pm
  • Wednesday 7:00am - 12:00pm
  • Thursday 7:00am - 12:00pm
  • Friday 7:00am - 12:00pm
  • Saturday 7:00am - 12:00pm

Other Services by American Express National Bank

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • 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
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
Annual Fee $250
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $40
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Cash
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Other
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 670 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Fraud Liability
  • Travel Assistance
Bonus Offer Earn 75,000 Membership Rewards points after you spend $4,000 or more on eligible purchases on your Card within your first 6 months of Card Membership starting from the date your account is approved.
Annual Airline Credit Up to $100
No Reward Expiration Period
No Blackout Dates
Rewards Categories
  • Up to 3x Points on Travel
  • Up to 3x Points on Airfare
  • Up to 4x Points on Groceries
  • Starting at 1x Points on Hotels
  • Up to 4x Points on Restaurants
  • Starting at 1x Points on Every Purchase
Signup Bonus (points) 50,000
Cash Advance APR (Variable APR) 29.99%
APR Type Variable APR
Balance Computation Average Daily Balance method (including new transactions).
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 20.99% - 28.99%
(Verified 08/04/2023)
Card Type
  • Rewards
  • Travel
  • Gas
Card Network American Express

American Express® National Bank Gold Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +75, equating to 4.5 on a 5 point rating scale.

+75

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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