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  American Express Gold Card

American Express Gold Card

in Personal Credit Cards from American Express National Bank

Claimed

American Express Gold Card

Claimed

in Personal Credit Cards from American Express National Bank

SuperMoney Net Recommendation Score +40% 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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3 users recommend
1 user is unsure
1 user doesn't recommend
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Highlights
Highlights
Community Rating Mostly recommended
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 700 - 850
Annual Fee $250
Purchase APR  (Variable APR) 16.99% - 23.99%
Number of Reviews 5

American Express Gold Card Review

American Express Gold Card is a rewards credit card issued by American Express National Bank. 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.

Key takeaways:

  • Generous reward rate. You will get a a rewards rate of 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 Gold Card has a variable purchase APR that ranges from 16.99% up to 23.99%.
  • $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
  • Gas rewards.
  • 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.

American Express Gold Card Pros and Cons:

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 every purchase.
  • Earn rewards on every purchase.
  • American Express Gold Card reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Requires good to excellent credit.
  • Charges an annual fee of $250

Is there a American Express Gold Card cash back or rewards program?

American Express Gold Card offers a rewards program to its customers.

American Express Gold Card Rewards
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 $4000
Signup Bonus Spend Period (months) 3 months

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 $4000 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
  • Zero fraud liability
  • No blackout dates when redeeming miles
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for American Express Gold 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 Gold Card has a variable purchase APR that ranges from 16.99% up to 23.99%. It also has a variable cash advance APR of 26.24% . 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 on balance transfers?

No, American Express Gold Card does not come with an introductory APR offer for balance transfers.

Does American Express Gold Card have an introductory APR offer on new purchases??

American Express Gold Card does not offer an introductory rate on new purchases.
American Express Gold Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the American Express Gold Card fees?

The following fees apply to American Express Gold Card:

American Express Gold Card Fees
Fees Amount
Annual Fee $250
Foreign Transaction Fee 0%
Returned Payment Fee $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 Gold 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 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.

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...

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  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

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
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee  
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 5%
Minimum Cash Advance Fee ($) Starting at $10
Annual Fee $250
Returned Payment Fee $39
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Card Type
  • Gas
  • Rewards
  • Travel
Card Network American Express
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Lost Luggage Insurance  
Emergency Support  
Fraud Liability  
Car Rental Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Fraud Liability
  • Travel Assistance
Bonus Rewards Earn 50,000 Membership Rewards points after you spend $4,000 on purchases on your new Card in your first three months.
Annual Airline Credit Up to $100
No Reward Expiration Period  
No Blackout Dates  
Rewards Categories
  • Airfare
  • Every Purchase
  • Groceries
  • Hotels
  • Restaurants
  • Travel
Signup Bonus (points) 50,000
Rewards Type Points
Cash Advance APR (Variable APR) 26.24%
Balance Computation Average Daily Balance method (including new transactions).
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 16.99% - 23.99%

American Express Gold Card Community Reviews

 

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