
American Express® National Bank Gold Credit Card
in Personal Credit Cards from American Express National Bank
ClaimedAmerican Express® National Bank Gold Credit Card
in Personal Credit Cards from American Express National Bank
Would you recommend American Express® National Bank Gold Credit Card to your friends?
Community Rating | Strongly recommended |
Purchase APR (Variable APR) | 15.99% - 22.99% |
Balance Transfer APR (Variable APR) | N/A |
Credit Score Range | 700 - 850 |
Annual Fee | $250 |
Number of Reviews | 8 |
American Express® National Bank Gold Credit Card Review
American Express® National Bank Gold Credit Card 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 is everything you need to know to make a good choice.
- Generous reward rate. You will get a rewards rate of up to 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® 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.
- Good or better credit required. You should probably try with another card if your credit score is below 700.
The Good | The Bad |
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Is there a American Express® National Bank Gold Credit Card cash back or rewards program?
American Express® National Bank Gold Credit Card offers a rewards program to its customers.
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?
American Express® National Bank Gold Credit 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?
American Express® National Bank Gold Credit Card doesn't offer a cash loyalty bonus.What are the American Express® National Bank Gold Credit Card benefits?
American Express® National Bank Gold Credit 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® National Bank Gold Credit 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® National Bank Gold Credit Card has lower than average purchase 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 introductory APR offer on balance transfers?
No, American Express® National Bank Gold Credit Card does not come with an introductory APR offer for balance transfers.Does American Express® National Bank Gold Credit Card have an introductory APR offer on new purchases?
American Express® National Bank Gold Credit Card does not offer an introductory rate on new purchases.Description |
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What are the fees for American Express® National Bank Gold Credit Card?
The following fees apply to American Express® National Bank Gold Credit Card:
Fees | Amount |
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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?
American Express® National Bank Gold Credit 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® 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
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
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- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
Restaurants (Points) | Starting at 4 |
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 |
American Express® National Bank Gold Credit Card Community Reviews
Would you recommend American Express® National Bank Gold Credit Card to your friends?
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