American Express® National Bank Gold Credit Card
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| Community Rating | Strongly recommended |
| Purchase APR (Variable APR) | 15.99% - 22.99% |
| Balance Transfer APR (Variable APR) | N/A |
| Credit Score Range | 650 - 850 |
| Annual Fee | $250 |
| Number of Reviews | 11 |
American Express® National Bank Gold Credit Card Review
This is a rewards credit 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. This review will provide you with with all the details you need to make a good choice.
- Generous reward rate. You will get a rewards rate of up to 4 reward 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® National Bank Gold Credit Card has a variable purchase APR that ranges from 15.99% up to 22.99%.
- 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 gas purchases.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
| The Good | The Bad |
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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.
| 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 lower than average regular APRs.American Express® National Bank Gold Credit Card has a variable purchase APR that ranges from 15.99% up to 22.99%. It also has a variable cash advance APR of 25.24% . Note that late payments are subject to an APR of 29.24% 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:
| Fees | Amount |
|---|---|
| Annual Fee | $250 |
| Foreign Transaction Fee | 0% |
| Returned Payment Fee | up to $40 |
| Late Payment Fee | up to $40 |
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 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.
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.
Contact
- Headquarters
-
World Financial Center
200 Vesey Street
New York, NY 10285 - Visit Site
- Email Support
Other Services by American Express National Bank
Availability
- 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
| Foreign Currency Transaction Fee | 0% |
| No Foreign Transaction Fee | |
| No Interest Grace Period for Late Payment | 25 days |
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | Up to 5% |
| Minimum Cash Advance Fee ($) | Starting at $10 |
| Annual Fee | $250 |
| Returned Payment Fee | Up to $40 |
| Late Fee Amount | Up to $40 |
American Express® National Bank Gold Credit Card Community Reviews
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