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

What are the American Express Gold Card benefits?

American Express Gold Card provides the following benefits:

• No blackout dates when redeeming miles
• 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 lower than average purchase APRs.

American Express Gold 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.

What are the fees for American Express Gold Card?

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	up to $40
Late Payment Fee	up to $40

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.

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.