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 oods if your credit score is above650.

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. Lower than average purchase APRs. 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.

Charges an annual fee of $250

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

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. It has lower than average regular APRs.

It 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.

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

The following fees apply:

American Express® National Bank Gold Credit Card Fees

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 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.