American Express® Gold Card

American Express® Gold Card
Required Credit Score: Excellent
Charge Card: Balance must be paid in full each month
4 270 reviews   Write a Review!
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American Express® Gold Card's Rewards

Bonus
None
Base Earn
1 point / $1
Max Earn
2 points / $1
Earn / Redeem Limit
No
  • Membership Rewards® Program - use points for rewards with over 500 brands. Use your Card everyday and earn points fast - points have no expiration date. Transfer points to 17 frequent flyer programs and 5 frequent guest programs or use them for gift cards and merchandise.
  • Receive up to a $75 hotel credit on qualifying charges and room upgrade at check-in, if available, with each Gold Hotel Collection booking when you stay a minimum of two consecutive nights.
  • In a few clicks, you can use points to book your next trip with the American Express Travel site. Pay with Points covers just about everything travel-related – from airfare to accommodations, car rentals, and more. There are no blackout dates or seat restrictions, and you can start redeeming with just 5,000 points.

American Express® Gold Card's Key Fees

  • ANNUAL FEE None 1st yr, $125 after
  • FOREIGN TRANSACTION
    FEE  
    2.7%
  • LATE FEE $37 or 2.99% of the past due amount, whichever is greater.

American Express® Gold Card's Additional Info

  • Access to Exclusive Benefits: Baggage Insurance Plan when you travel, and shop with confidence with Extended Warranty and Return Protection.
  • $0 introductory annual fee for the first year, then $125.
  • 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.
Apply Now
at American Express'
secure site

American Express® Gold Card Reviews

 
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Overall Rating: 4.0 / 5
Total Ratings: 270
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Apr 8, 2014
Photo of Corey B.
4
By:
I am a frequent flyer and shopper so the American Express Gold Card looks to be very useful as I don't like to travel with a lot of currency. I wish there wasn't a foreign transaction fee, or an annual fee, but the annual fee is a lot lower than some of my other cards I use so that's a plus! This is the traveler's token of efficiency and excitement! Sign me up!
Apr 4, 2014
Photo of John H.
3
By:
The American Express Gold Card seems like a good card, has a good reward program for its loyal customers but I would warn new credit card holders that it has an annual fee after the first year.
Mar 27, 2014
Photo of Janet P.
4
By:
When I started college I needed a card to build my credit as well as keep me responsible. This card is great for that! The fact that you have to pay your full balance every month really helps to keep me responsible and lessens the risk that I will make purchases that I will later regret. Not having a monthly fee is really nice too. After the first year the fee is still minimal.
Mar 20, 2014
Photo of Vin S.
3
By:
I am not sure if this American Express Gold Card is the right choice for me because of the outline which states, “Balance Must Be Paid in Full Every Month.” This is a “Charge Card” that has to be paid off monthly which differs from a “Credit Card” that allows credit as a loan with annual percentage rates. The American Express Membership Rewards Program is a great feature but I enjoy a little more flexibility in the monthly balance like I do with my current Capital One “Credit” card. American Express is known for great frequent flyer programs and this card appears to have a great offer. Maybe when an more
Feb 21, 2014
Photo of Jaye G.
4
By:
The American Express Gold card is an excellent option for those with problematic credit history who would like to rebuild their credit. While I think a $125 annual fee is a bit steep, it's quite average for all cards that compete in this area. The other downfall is having to pay off your balance in full every month. The point rewards are a great incentive though to get more bang for your buck while improving your credit score!
Feb 10, 2014
Photo of Lakeisha M.
5
By:
The American Express Gold Card seems like a good card. The thing I like about the card is that you can receive reward points and use them for gift cards for dining, entertainment, and to shop at over 300 different merchants. I also like how I can get discounts and some low rates on hotels and resorts. It’s great not to have any annual fees for the first year. The only thing I dislike is that if you have a late fee from zero to the greater 35 or 2.99% of the delinquent balance would be charged to your accounts. Other than that it seems like a great card to have.
Jan 27, 2014
Photo of Brianna B.
4
By:
The American Express Gold Card seems to have some perks that would make it a good choice, as long as you pay your balance every month (as is true of most credit cards). Still, I like that American Express doesn't gouge you with outrageous APR, and though their late fees would add up if you failed to pay them off each month, if you stay on top of your bills, it doesn't seem like a bad deal. The $125 yearly fee may be difficult for some cardholders, but that beats a ridiculous APR any day, in my book, and I do like the perks and points system, which you can more
Dec 27, 2013
Photo of Laura L.
4
By:
I really like the rewards and benefits American Express gold offers. I dine out and shop a lot so getting points for that would be awesome. I had the capital one prestige card and I got 0 rewards, Also the fees aren't too bad. It would be nice to not have any for a full year.
Dec 13, 2013
Photo of Karen C.
5
By:
American Express is ideal if you hate carrying a balance and like to put all your bills on one card. I do this so I earn points, which can then be used to pay off some of those bills. When it comes to travel, American Express is the best because you know you're protected if something goes wrong. As long as you don't overspend, this card is a great choice for purchases and travel. I find having to pay the whole balance helps me control my spending and budget better.
Dec 11, 2013
Photo of Zeb D.
5
By:
The American Express Gold Card is an excellent choice if you can pay the full balance every month. Utilizing the Gold Hotel Collection perk could more than pay for the annual fee that starts during the second year. The American Express Gold Card is better than most cards I've had like it. The points and discounts you earn really make this card worth having, and no other card can really compete with it.
Dec 8, 2013
Photo of Greg K.
5
By:
One of the more prestigious cards on the market, the American Express Gold Card is the card to be seen with. With its endless discounts on restaurant and hotel purchases, the Gold is one no traveler wants to be without. It is, however, important that consumers know just exactly what they are getting into when signing up for the card. A balance due in full at the end of every month isn't for everybody, and you may want to determine in advance whether you are going to rack up enough rewards from use to offset the $125 annual fee. Overall, a very solid card for its purpose!
Dec 5, 2013
Photo of Chelsea M.
5
By:
The American Express Gold Card is great option for a lot of people. The rewards with this card are near the top of the game, there's no annual fee for the first year but you can expect to pay One hundred and twenty five per year after that, which is pretty high in my opinion. If you are approved for this card then you for sure have pretty good credit so don't expect it if you don't. This card carries a level of prestige similar to the "Visa Black Card".
Nov 25, 2013
Photo of Jane L.
3
By:
The American Express Gold Card is a good option, especially for those who travel a lot. The discounts and low rates at hotels would be quite convenient for a savvy traveler. American Express has excellent customer service, which is a huge perk in the credit card industry. The annual fee of $125 is a big negative. If you are going to offset that amount substantially by the amount you earn in rewards, then by all means, choose this card. But there are other American Express cards that have no annual fee. The American Express Blue Cash card has rewards, no annual fee, and of course no interest charges when you more
Nov 21, 2013
Photo of Jeff G.
5
By:
I think most people commenting do not fully understand the way an American Express card works. You pay a modest annual fee. It works out at about $10 a month. The first year is free. After that, you make purchases throughout the month, and pay it off in full at the end of the month. When you do that, you are not charged any interest at all on those purchases. If you use your card, as designed, you will not pay interest on your purchases – that’s why the $125 annual fee is so understandable. American Express makes most of its money from the merchant fees they collect. That is more
Nov 16, 2013
Photo of Braden B.
4
By:
The American Express Gold Card is one of the best credit cards out there right now, in my opinion. The only reason I took a star away from this card, is because of the insanely high annual fee after the first year of $125. But I guess with all things that cost a bit of money, you do get quite a bit of perks. The first major one is, if you qualify, they give you a personalized interest rate. Lucky for me, I was able to get one locked in at about 10%. This is significantly lower than most of my other credit cards I have or had. Also, there more
Nov 8, 2013
Photo of Sean P.
5
By:
American Express Gold card really does set the standard for cards. This is literally the best credit card I've ever had. I could live without the fee ($125 a year, wow!) but I think that's just something that you're going to have to live with when it comes to credit cards nowadays. A friend of mine told me that if you called them they could waive the fee but I haven't tried it yet. I moved on to this card after using The Matrix card for a while and there has been a night and day difference. Not only am I happy with it but American Express has always been more
Nov 5, 2013
Photo of James R.
5
By:
My American Express Gold card is the only card I couldn't live without. It's not for everyone and it isn't easy to qualify for but it is definitely a great card. There isn't a stated interest rate because they choose your rate personally. With my credit history I got a great rate at 8 percent for the life of the card. The annual fee of 125 has been around for as long as I can remember. They do waive the fee the first year and you do get the option to cancel the card if you're not satisfied with it. If you take into account the yearly fee and the more
Oct 29, 2013
Photo of Dan D.
5
By:
The American Express Gold Card isn't for everyone. It is an exclusive card where excellent credit is required. But if you are in great standing and want a card that delivers, this is the card for you. It is truly one of the elite cards on the market, and there is no fee for the first year. The best part about this card is the unlimited purchasing power it affords you. There is no limit and if you are ever in a crunch you know that you have exclusive access to credit. The rewards focus more on exclusivity. They have an unheralded Extended Warranty and Return Protection for your purchases. more
Oct 24, 2013
Photo of Anita G.
3
By:
The American Express Gold Card has interesting and unique features. I think the hotel discount is a quite enticing one that might make it easier to find an affordable stay. The baggage insurance is also something worth looking into but on the other, the foreign transaction fee does not seem very good. I know that some people love American Express but I find that it is limited in the places I would be able to use it. Also, I keep getting offers for this in the mail to the point where it is excessive. I tried applying for the card but it was denied. I wanted another card to increase more
Oct 21, 2013
Photo of Bela K.
4
By:
The American Express Gold Card is an overall great card. It is very easy to use and is accepted in many, many places. In fact, there hasn't been a place I have gone where it has not been accepted. One of the things I liked about this card was the zero dollar introductory fee! Wow. That was one bonus that I have not seen in many other places. There are so many benefits to having this card. Having an American Express is a privilege nowadays and I can easily see why. The only downside I have found with this card is that I have to pay off that balance in more
Oct 17, 2013
Photo of Brooke J.
3
By:
I love this card for the most part. I like that i can use it pretty much anywhere nowadays. There is a pretty high yearly fee which I do not like. They dont charge this fee after the first year but it's still a high fee to hold a credit card. I do like how you are required to pay off your balance every month. It helps my credit rating and it makes sure I don't go further into debt. Both are perks in my opinion. If you travel a ton, which I don't usually then this card will come in handy. I don't use it much because I really more
Oct 12, 2013
Photo of Stephen M.
2
By:
The American Express Gold Card seems nice but it seems like it isn't meant for everyone. I do not like the fact that there is a significantly expensive yearly fee, nor do I like that your balance has to be paid in full every month. I couldn't afford that. The Chase Freedom card, on the other hand, does not have a yearly fee, nor do you have to have your entire balanced paid in full each month. That card also has low APR. While the perks of being an American Express card member are nice, they are just not feasible for me and most likely a large chunk of Americans.
Oct 3, 2013
Photo of Alex D.
4
By:
I am a fan of using the American Express Gold Card and have been a member for years now. Having to pay off my balance in full every month may be seen as a negative for some, but I enjoy the simplicity it offers towards managing my expenses, and this way I don't have to ever worry about high APRs. The annual fee being only $125 dollars is very reasonable, and being that you have no annual fee at all the first year of use is quite a good deal. Though it is worth noting that the foreign transaction fee at 2.7% is a little high, and it frustrating when more
Sep 30, 2013
Photo of Ray F.
4
By:
I am very happy with my american express gold card i have had the card for many years now and use it for all of my business purchases. It is very convenient because it is accepted at most stores, online and worldwide so its great from travel. The thing i like most about this card is the rewards you can earn, rewards are great for getting free things such as hotel rooms, gift cards and trips. When it comes to the fees this card is free for the first year and only $125 a year after that which is an amazing deal. As i said early this card is great more
Sep 18, 2013
Photo of Sheryl P.
3
By:
The American Express Gold Card is similar to other credit cards like the Visa Black card. It has a huge annual fee for those with excellent credit, where the only reason to have it is if you can really take advantage of the benefits it offer which usually go along with a high class lifestyle. Things like hotel credits when you stay at Gold Crown hotels, baggage insurance plans, and other travel benefits. I personally think your better off getting a travel specific card if you travel a lot to maximize your cash back or avoid foreign transaction fees. With this card's 2.7% foreign transaction fee you are better off more
Sep 12, 2013
Photo of Hollie B.
4
By:
I am very impressed with the American Express Gold Card! I really think the rewards and points are great and it is awesome to be rewarded while using a card. The fact that there is no interest rate is attractive although you must pay your balance in full at the end of the month. I do like that option though and I wish my current card Capital One were more like this but I am rebuilding my credit. Eventually I think I will go for the American Express because of the perks. My only worry is making sure I budget properly so I could pay off the bill at the more
Aug 30, 2013
Photo of Sara G.
3
By:
The American Express Gold Card allows you to earn points that can be used to then buy gift cards. This is nice if you'd rather have gift cards to specific places than cash back. Also, while no interest may seem like a great benefit, it's because the card must be paid in full each month. You cannot carry a balance. The benefits are pretty great, though. Their customer service is top-notch and they offer member perks like exclusive rates at different venues (hotels, concerts, etc.). I'd recommend it if you're able to pay your balance every month and if the annual fee of $125 doesn't bother you. Personally, I'd rather more
Aug 22, 2013
Photo of Missy J.
5
By:
Although I have not had the card very long, I am already very impressed! I'm not well versed on the points but some of my friends have told me that AmX has the best bonus program of all the cards. I will start saving for a trip home using my points and then using the card for purchases once I get there! The annual fee seems a it steep and I don't really know why it exists in the first place but other than that, I really am looking forward to the rewards program and seeing what it can do for me!
Apr 19, 2013
Photo of Margot P.
4
By:
I've been using this card for almost a year now and I've been loving it so far. One of the great things about the card is the $0 introductory Fee and after saving up points you can use them for shopping at some of your favorite stores and restaurants. Also the customer service over at American Express has been fantastic, I think they are one of the best in that regard. One downside of that card is after the first year you have to pay, so keep that in mind. Despite that, this is still a card very much worth getting.
Apr 12, 2013
Photo of Kimberly B.
5
By:
I've been an American Express cardholder for 8 years. The customer service is unmatched. I recently upgraded from the Blue Cash card (also wonderful) to the Gold card, mainly to take advantage of the points program that this card offers. We book all of our travel using American Express. It is accepted everywhere we have gone. I have also had to take advantage of their purchase protection, which is an amazing benefit. The customer service is easy to reach and very willing to help. When my card was used fraudulently, American Express worked very swiftly to resolve it as soon as they were notified. I am very impressed with this more
Apr 5, 2013
Photo of Stacey R.
4
By:
I have had American Express for about 2 years now I did not really like the idea of having a credit card but since I use the internet a lot and make hotel reservations. I applied for this credit card and got approved I do not use this card all the time. I do however like that the customer service is top rated very friendly and helpful. I also like the points program they offer with this card. They also offer me tickets to concerts and other opportunities before they even go on sale I would recommend this card to others.
Mar 21, 2013
Photo of Daniel L.
5
By:
I’ve had my American Express for over 4 months now and it has given me everything I could expect from this company. It’s accepted anywhere I go. The customer service is some of the best I’ve ever had to deal with. I am enrolled in their points program which really rack up if I exclusively use this card. So far, I’ve mainly used this as my business card which helps me track my expenses and manage my payments monthly. Another perk is that was unexpected is that I am offered opportunities to purchase tickets to events or concerts before they go on sale to the public. This summer is going more
Feb 18, 2013
Photo of Xenia H.
4
By:
I chose the American Express Rewards card as my rewards card of choice. This card offers points for gifts instead of cash back or airline miles etc. like some others. The reason for this preference is simple-- of all the credit cards around American Express Gold fared better across the board. Firstly, they excel in customer service. Not only that, they are hassle free, accepted widely, and the rewards points accumulate very quickly. I admit I have a cash back rewards card but I don’t feel as if I'm earning very much. Pennies accumulate with every purchase, and I end up spending them on the next purchase. With cash back more
Feb 11, 2013
Photo of Kyle M.
4
By:
I recently received an American Express Gold Card (over a month ago) and have thoroughly enjoyed it. There are a ton of perks with having this card, such as the points for spending system, and flyer miles (for those who travel a lot). While these perks are definitely a plus, I have to be honest in saying that the annual fee, although free the first year, is a little high for my tastes. If you are one to use your credit card anywhere and everywhere (especially to rack up those points to spend), then maybe the fee isn't too bad. Asides from that, I've dealt with American Express customer service more
Feb 11, 2013
Photo of Marni B.
5
By:
I love my American Express Gold Card. If you are lucky enough, they send you a mailer with a nice amount of bonus points to sign up. I received 75,000 bonus points for signing up for the account. This was enough to get two new laptops. One for myself and one for my best friend. Beyond the great sign up bonus, The American Express Gold Card is a nice card to have. They stand by their customers and help them out. Many times, they extend the warranty of products that you purchase using the card. They also have very helpful customer service. Get it, if you can!
Feb 8, 2013
Photo of Myana G.
5
By:
I once had this card and loved it. That was during the time when I had a good-paying job and could afford many of the luxuries in life. I accumulated points which I used in time for free trips and holidays. It was a win-win situation. The more I spent, the more rewards I got. I would have loved to keep it if not for an unexpected reversal of fortune. One thing with American Express is that once you have fallen out of grace, there is no turning back. You are forever blacklisted. I found that out too late. I had a good run with it, though.
Feb 1, 2013
Photo of Jordhy L.
5
By:
This is THE card to have. Transactions are fast. Acceptance is very good. Its full of offers and deals and comes in a nice shiny box! The American Express gold card is as much a payment instrument as it is a status symbol. If they don't take the card where you are going, maybe you shouldn't be there at all.

Is very hard to beat the deal American Express gives you on this one. Points, rewards, miles, offers, special clubs. You name it, they have it. This is the card to get under any economic situation. It will give you access to a multitude of products and services.
Feb 1, 2013
Photo of Ichoose T.
5
By:
My father told me that first you get a Visa or a Mastercard, then you get a Discover, and eventually you get an American Express card. Visa and Mastercard will basically cover you everywhere. A Discover won't cover you everywhere, but it gives you better rewards and rates. An American Express gives you the best rewards in my experience of any of the credit cards that I have. I use it to pay for most things and I have used the points I've accrued to get the last couple vacations I took to be mostly free as transportation to and from the places I visited was the biggest expense.
Feb 1, 2013
Photo of Jeff T.
5
By:
I was always told by friends and family that an American Express card is the card to get. To have one is a sign of good credit and a good financial standing. Well I now have one. I don't know what it says about me, but I like this card. The ability to earn points is a good feature of this card. I like the fact that I have to pay the balance off each month. That actually helps with our bills and budget. Fortunately we have never had any issue with the card, but like others have said the stories I have heard about the customer service are amazing more
Jan 18, 2013
Photo of Ramona B.
5
By:
I originally started with the basic green American Express card, but last year upgraded to the Gold card. I am extremely pleased with this card and have stopped using all of my other cards because of this card's benefits. The customer service is exceptional and I am able to get a real person on the phone within minutes. You don't have to go through a million prompts and their customer service reps are helpful and honestly, just nice people. Amex provides travel insurance which covers you if your bags are lost and provides insurance for your rental car (saving you money!). My favorite benefit is the return protection that Amex more
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Last updated on: Apr 8th, 2014 at 3:14 EDT