American Express® Gold Card
Sponsored Card
- Minimum Credit Required:
Excellent - Network: American Express
- Charge Card:Balance must be paid in full each month
- Exclusive access to Gold Card Events -- select concerts, shows, major sporting events, and more.
- Redeem Membership Rewards® points for an exclusive array of travel, shopping, dining and entertainment rewards.
- Basic: None 1st yr, $125 after
- Varies from state to state, from zero to the greater of 35 or 2.99% of delinquent balance.
Additional Info:
- This American Express Card has no preset spending limit, giving you purchasing power that adjusts with your use of the card.
- No preset spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors including spending patterns, your payment history, your credit history, and financial resources known to us.
If you currently have the American Express® Gold Card and are satisfied or you like the terms of this credit card offer please let your friends know.
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American Express® Gold Card is related to the following credit card categories:
- American Express Rewards Credit Cards
- Rewards Credit Cards with No Annual Fee
- American Express Credit Cards for Excellent Credit
- Points Credit Cards for Excellent Credit
- Rewards Credit Cards for Excellent Credit
- Rewards Credit Cards
- Points Credit Card
- Credit Cards for Excellent Credit with No Annual Fee
- Credit Cards for Excellent Credit
- Travel Rewards Credit Cards
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Before applying for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences related to the American Express® Gold Card shown on this page.
The card information shown on this page was last updated: May 23rd, 2012 at 12:33 EDT
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bought this card two months back only because there was no limit set on this card. The first month bill I got was for 550. I wanted to pay the amount using two checking accounts. I paid 250 by one account and when I tried to pay the remaining, got a message that it needs a minimum of 48 hours to process another transaction. I made another purchase of 800$ and with a day the card was locked and I got call from Customer care asking me to pay the entire amount immediately. I got so frustrated with the behavior of the customer care executive. I have never had such a ugly situation in my life. I also had an incident a few years ago that made me question whether to keep Amex. I had a restaurant double charge me and disputed the charge with Amex. But they said only if the owner agrees the charge is a mistake will I keep the credit. This despite I had never disputed a charge before and I spend thousands a month on American Express without incident. Amex's investigating time period takes so long I worried the restaurant owner would no longer have the nights register receipts by that time. So bottom line is I went to the restaurant myself and talked to the owner as soon as possible while the receipts were still available. He issued me a credit, no thanks to American Express.
I've had this card for about 2 years now. You need good credit to obtain it as I previously had the American express blue card and decided to upgrade. The card has no preset spending limit. However, if you decide to make large purchases with the card within the first few months of owning it, Amex may decide to suspend your card. I had an issue with them when I used the card to upgrade the laptops for my office. It was a 10k purchase and Amex decided to suspend the card. I had to supply the correct information including taxes and my employment history to continue to keep the card. In addition, they also did not want to waive the first years fee even though it is what they agreed to. However, they complied and waived the first year and decided to grant me back the card. After all of that, the card is great to have. It is excellent for rewards and it gives you an incentive not to over spend since you have to pay the bill in full each month. So far the card has been good to me and I get great perks and gift cards from them for spending all the time. If you need a flexible charge card, this isn't the card for you. If you pay on time and want rewards, this is perfect.
Issue with charge card for beginner is exactly what you stated. No preset spending limit. This has more issue than "let's see how much amex is going to give me if I keep spending". It also means the % of credit usage isn't reported properly to credit bureaus. Say a normal cc like amex spg. I have preset limit of $20k. If I spend 1k, BOTH max limit 20k and 1k spending is reported to credit bureau. So they will be able to see that I am not maxing out my limit and using the card properly. For charge card, however, the max is unknown, and isn't reported. So credit bureau won't be able to see my credit utilization. In fact, the highest monthly spending becomes the so called "max" for that card. (which is the reason why they suggest you take one month to put all your spending on a single charge card to artificially set high credit limit for that card). now getting back to THIS specific card. One word. DON'T. amex has premier gold that is UBER better than this card (50 bux more per yr, but totally worth it, if you are someone who are consider getting this card anyway). only reason I can ever see getting this card is if I am not going to fly a lot next year, and my first free year for amex premier gold is nearing end, just to keep my amex reward points alive.
I’m not really quite sure why more people don’t use charge cards. I mean, I get that you need excellent credit to get them most of the time, and you have to pay your bill in full every month, but isn’t that a good thing? If you’re going to get a rewards card, you should be paying its bill in full anyway, so why not at least include charge cards in your search to see if any offer the best rewards available on your biggest expenses? American Express controls a large portion of the charge card market, which means that the American Express Gold Card is an option you really should keep open. Pros - The Amex Gold Card doesn’t have an annual fee in the first year (most charge cards charge relatively high annual fees to compensate for the added rewards they provide – come to think of it, this might be a con). - Exclusive access to sporting events, concerts and shows (charge cards are sort of known for offering “access” and “unique experiences” in addition to the normal points, miles or cash back common with rewards credit cards, but aside from maybe getting the chance to buy tickets before the general public, what does “exclusive access” really mean? ) Cons - The American Express Gold Charge Card has No Preset Spending Limit. While I used to think that this meant you could spend as much as you wanted each month, it actually just means that Amex basically makes your limit up as it goes along, you never know what it is, and you can hurt your credit score because of high credit line utilization or something along those lines. - $125 second year annual fee; If you’re going to charge a high annual fee, there had better be some pretty darn good rewards to justify it. That means the Amex Gold Card’s exclusive access better be top notch. When you get down to it, you might find cheaper credit and charge card options that give you more than the American Express Gold does. But if you are a big fan of sporting events, concerts or shows, you might not. I’d therefore carefully consider your priorities and maybe give Amex a call to hear more about the Gold Card’s rewards before making a decision.