- Minimum Credit Required: Excellent
- Network: American Express
- Charge Card:Balance must be paid in full each month
- Use points for gift cards for dining, entertainment, and to shop over 300 of some of your favorite merchants.
- Get discounts and low rates at hotels and resorts, plus a $75 hotel credit when you book through Gold Hotel Collection.
- Basic: None 1st yr, $125 after
- Varies from state to state, from zero to the greater of 35 or 2.99% of delinquent balance.
- 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.
- Terms and Restrictions Apply.
- 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.
Share your experiences, thoughts or just ask a question:
- Anonymous User:
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.
April 19, 2013 at 08:10pm
- Kimberly Branum Boyarski:
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 card and this company. I highly recommend American Express.
April 12, 2013 at 01:28pm
- Stacey Rucker:
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.
April 5, 2013 at 04:49pm
- Daniel Lopez:
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 to be very busy for me.
March 21, 2013 at 08:15pm
- Omar Colon-Reyes:
I received my AMEX Gold last december. The reason I choose that credit card was because of my trip to Beijing last summer. None of my credit cards worked there. My friend has an AMEX, and that was the only card that worked. If was not because of my friend, that use her AMEX to pay for my hotel, I would be trouble in China. Oh, also there customer service is second to none.
March 8, 2013 at 11:15am
- Anonymous User:
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 I am awarded a gift card for a dinner or other gifts that I can actually see feel or taste. This works better for my psyche and leaves me feeling even better about AMEX and the world around me.
February 18, 2013 at 07:10pm
- Kyle McCullough:
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 a few times and have to say that they provide better service experience than most of my other cards I have. I do recommend getting this card, especially if you are one that loves using points to shop!
February 11, 2013 at 07:28pm
- Anonymous User:
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!
February 11, 2013 at 04:30pm
- Myana Geem:
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.
February 8, 2013 at 11:47pm
- Jordhy Ledesma:
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.
February 1, 2013 at 09:53pm
- Ichoose Toremainanon:
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.
February 1, 2013 at 08:49pm
- Jeff Thompson:
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 and praiseworthy. I recommend this card to any who are interested in it.
February 1, 2013 at 05:07pm
- Ramona Baker:
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 offers. How many times have you purchased a piece of clothing just for it to fall apart after wearing it a few times? If this has ever happened to you (like it has to me), this is the card for you. The store won't take back your item? No problem! Just file a claim with American Express and they will refund you! The expensive shoes you bought kill your feet after wearing them? Again, not a problem! Amex has you covered. The annual fee I pay definitely is worth the benefits I receive from this card. Thanks Amex for the outstanding service!
January 18, 2013 at 06:30pm
- Sean Chandler:
I find the American Express card to be an excellent card. Unlike a credit card, it is required that you pay the full amount each month, but for people who do this anyways, this is a great card. The 15,000 bonus after spending $1500 in the first month is a great help, but the most amazing thing about this card is the benefits of being a Gold card member. To name some, they include roadside assistance, acceptance of returns that stores will no longer take, insurance when travelling using your American Express card and much more. Holding an American Express Gold Card in your wallet is much more than a credit card, it really does make you feel like you are a member or something.
January 11, 2013 at 09:02pm
- Anonymous User:
One of the best cards around has to be the American Express Gold Card. It carries along with it prestige, glamor, benefits, and virtually no limit. It is wonderful for travel, car rentals, luxury purchases, etc. It also carries a built in insurance plan to insure most rental cars and probably other rentals as well. Mine comes with a rewards program where points accumulate very quickly. Some may wait to accumulate thousands of points for larger prizes but my method is to frequently redeem my points for restaurant gift cards. As opposed to cash back, rewards redemption gives me that feeling of truly being pampered by AMEX at a nice restaurant-- on them. The annual fee is $125 but the peace of mind I get in return with this card is worth every penny. You can't carry a monthly balance, but I like the traditional AMEX way of paying it off every month with no interest. My experience with customer service has been nothing short of professional. Overall, this is one of the top cards around.
January 4, 2013 at 12:12am
- Justine Edmonds:
I started doing business with American Express 7 months ago. I have found that there are many benefits to using the American Express Gold card, the greatest being that there is no spending limit on this card. However, there are a few things that I do not like about this card. I do not like that I have to pay my balance in full each month. On one hand, this keeps my spending in check, but on the other hand, if a big emergency were to occur where I would have an unexpected, large expense, I would not be able to use this card. I also am not thrilled with the yearly fee. The first year they waive the fee, but after that it is $125 annually. One great thing about this company is their excellent customer service. I have called a few times with questions and concerns and have always spoken with friendly and knowledgeable staff that were able to address all of my issues. Overall, this is a good card as long as you are able to make your payment in full each month.
December 26, 2012 at 08:42pm
- Anonymous User:
I have been had every credit card brand there is an have come to the conclusion, American Express is definitely the best brand out there. First off, the customer service representatives are incomparable to other companies. Whenever I call for help, there is zero wait time on the phone and I am connected with someone who speaks perfect English. Secondly, American Express has an excellent policy regarding stolen or lost credit cards. A little over a year ago I lost my credit card and didn't realize it was gone. A month later I got my American Express bill and saw charges for 500 that I had no idea about. I called American Express and the charges were immediately reversed. This type of outstanding service is far from what I experienced from other card companies. All in all, compared to any other card I have used, American Express has proved to be the best card company out there.
December 26, 2012 at 01:56pm
- Razors Dripblood:
I used this card (American Express Gold) for quite awhile but canceled my account with them earlier this year. My main gripe with the card was the fact that many vendors did not accept the card at all. This to me was a major annoyance as I used to use this card as my primary payment method. While the card gives rewards points I found that they didn't rack up fast enough for them to be of any real value to me. All that said, this isn't a terrible card. As long as you pay your bill in a timely fashion you should have no problems with it.
December 14, 2012 at 04:07pm
- Anonymous User:
I had an American Express Gold card for three years. I don’t anymore. I think it’s better than most credit cards, but, let’s face it, these companies make money somehow, and that somehow means high late fees. But this is a charge card so at least there isn’t any interest accrued over time. You have to pay back the balance in full every month. I think AMEX is a little out of date, from the era of traveler’s cheques. If you aren’t a business traveler, racking up tons of points and rewards, it’s easier to use your Visa or MasterCard debit card issued by your bank. Plus, they are accepted at more places than American Express. Overall, the membership fee is too high if you’re not a business traveler, and you may actually pay more in membership fees than rewards you get back. I cancelled my card a year ago and don’t regret it.
November 23, 2012 at 09:03pm
- Jordhy Ledesma:
I've been an American Express customer for years. If you don't carry a balance and are moderately organized this is definitely the card to have. The customer service reps are beyond parallel in the industry and they levels of fraud protection, responsiveness and rewards are much better than Visa's, for example. The number of places you can use your card in are somewhat limited, but think about it as a loyalty club. This is not a card to buy your groceries (well, you can, but that's not its main use). This is the ideal travelers card. No lockups, fast service, robust online systems and low waiting times if you need to reach a customer service rep. I'm very happy with my American Express experience and would gladly recommend it to anyone else.
November 23, 2012 at 07:53pm
- Razors Dripblood:
I've had my American Express Rewards card for a little over a year now and for the most part it has served me well. I always pay my bill on time and have had no problems with any errant charges. The best part about the card is that it gives reward points for most purchase and those points can be used for flights (and other things) which I find very useful. my only grip with the card is that many locations do not accept the card and many of those that do seem to frown upon it. that said that is their problem and not mine; I'm happy with the card.
November 20, 2012 at 02:47am
- Anonymous User:
I have been using this card for about six months now and haven't had any real problems with it. I use it quite often as a means to establish my credit. I am forced to pay the monthly payments each month, I can't just put it off for another time. For me this is a good thing since I can never get behind on my payments. The interest rate for this card is pretty decent, and hasn't really effected me so far. I have only gone over a limit once and the card froze up, I called customer service and the explained to me what happened. In return I learned what kind of limit I had as well as to never do that again. I have been told there is no annual fee for the first year, which I find to be really good. Overall so far I have had no real problems with this card, and would highly recommend it to anyone that can manage to get it.
November 15, 2012 at 09:34pm
- Mark Hanna:
I signed up for the american express card a while ago. It thus far has been the longest I have ever held a credit card in my life. What I love about the AMEX card is that you have the safety to purchase anything you want, the drawback being you have to pay the entire amount every month. I feel like this card keeps you more honest about your spending. Also the rewards are amazing, thus far I have booked two round trip vacations to the Caribbean with my reward points. Also I was able to set up my other family members on a shared plan which is amazing at monitoring our family expenditures.
November 15, 2012 at 07:49pm
- Renee Barton:
American Express was the first credit card to ever give me a chance! I had somewhat poor credit due to identity theft, and it took forever to sort out! But, American Express gave me a chance anyway and I couldn't be happier with them! Their customer support is amazing! I can make automatic payments and when I make them on time (which is always) it helps dig me out and improve my credit score! So not only did they help me out with getting a credit card, they are also helping me rebuild my credit for the future! Although I do now have other types of cards, I rarely use them (only in cases of emergency) because this is the best one, by far!
November 8, 2012 at 06:34pm
- Kyle McCullough:
I have used American Express for about 4 years. I wish more credit card companies would take the initiative in their customer service as American Express does. Anytime I have a question or need to get a hold of them, they are always very friendly and responsive. I don't have that feeling that they are rushing to get me off the phone, whereas other problems I've had with my other credit cards usually result in an unpleasant experience. Never once have I had that negative feeling with American Express. They tend to go the extra mile in security as well. If I spend a lot of money in a short amount of time, they call and verify that I made the purchases to confirm that my card has not been stolen. Over the last 4 years of owning this card, the only issue I ever have is coming across those few places that won't take them. Other than that, if and when I CAN use my American Express card, I do.
November 8, 2012 at 06:24pm
- Ty Bennewitz:
I have been using this particular American Express card for a few months now. However, I have used various cards from Amex over the years. Though there is an annual fee, the rewards program more than makes up for it. I have received numerous bonus items for using the card to purchase items as I normally would. It's a win-win really. They also have some of the best rewards items of any of the major credit cards. Don't let the annual fee scare you away from trying this card. If you pay for most of your household items with it and pay it off at the end of the month, the card will pay for itself within a couple of months.
October 24, 2012 at 03:27pm
- Mar Valdecantos:
I've been a member of American Express since 1997 and I am planning on continue for many more years to come. The card is great, you can earn points after purchasing with this card and the points can be used to pay part of the balance in the card, to get trips and flights and a long list of gifts in their own catalog. I got a great pan set thanks to American Express, a camera and a DVD recorder. The service is just amazing. In one trip to Brazil they copied the card number and immediately froze the account after suspecting that two purchases weren't ours, I share the same account with my husband. We were very please with the whole support team and how they handled a tricky situation despite the fact that the people who stole de number bought a 500 purchase in a department store and tones of gas.
October 4, 2012 at 02:00pm
- Anonymous User:
I started with American Express through my company as that was one of the cards I had for all my business expenses. One of the biggest perks for me was the points program they offer. There is a wide variety of options in how to redeem your points and I have never had anything but excellent service and great experiences when I redeem mine. I have booked entire Hawaiian vacations, airfare included, using my points which to me is a huge perk! Another of the perks for me was I was able to get a personal card when I left the firm and have my rewards transferred to that account. I pay my balance off each and every single month as this card requires. I like that there is one flat fee for the year and no fee the first year. In order to get the most benefit from this card it is important to always make your payments on time, as they will get you with the late fees. However, as long as that isn't a problem for you I would highly recommend this card! It is important to remember there are still some retailers who don't accept Amex so I would also have a second card or make sure to have a debit card handy as well.
September 5, 2012 at 04:14pm
- Robin M Smith:
Having the American Express Gold Card is like carrying around gold. Just saying "I want to put this on my American Express Gold Card" could change the whole demeanor of even the most lax sales clerk. Everyone knows if you are carrying the AEGC you are in the upper most bracket of valuable customers and they best get on their game. I never had a problem in over 12 years of using American Express. We had a few issues with items that arrived broken in the post and American Express helped us get credit and resolve the issues with the shipper. That goes to my previous point. When I had similar issues using an HSBC card, the shipper wanted to haggle and hassle. When we used the American Express card we never got any grief. That is why I truly believe that the American Express Gold Card carries a hefty bit of clout for the consumer to throw around if need be.
August 31, 2012 at 04:52am
- Michela Borrelli:
This card is awesome, very secure and I am always able to check my account online! Every time I have an issue I call customer service and they are more than happy to help me resolve any problems I may have. The card balance must be paid in full each month so it's important to keep track of your expenses throughout the month. The card has added security that others like VISA or Mastercard do not. At certain stores, I am asked for the 4 digit security code on the front of the card, or just ID but either way it gives that added security so that you know your information is secure. It is truly a great card, only con is that not everywhere accepts AMEX.
August 30, 2012 at 08:32pm
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The card information shown on this page was last updated: June 6th, 2013 at 5:14 EDT
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