American Express® Gold Card

american express gold card
Required Credit Score:
Charge Card: Balance must be paid in full each month
323 reviews   Write a Review
Info about the American Express® Gold Card has been collected by CardHub to help consumers better compare credit cards. The card issuer did not provide the details.
Existing Cardholders
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American Express® Gold Card’s Rewards

Base Earn
1 point / $1
Max Earn
2 points / $1
  • Earn 2X points for flights booked directly with airlines, at U.S. restaurants and on travel purchases made thru
  • Earn 1 point for every eligible dollar you spend
  • Use points for rewards from over 500 leading brands in travel, gift cards, merchandise, or entertainment. You can transfer points to a selection of frequent traveler programs
  • The Hotel Collection - You can get 2x Membership Rewards® points per eligible dollar spent, in addition to a $75 hotel credit to spend on qualifying dining, spa, and resort activities when you book a stay of at least two consecutive nights at participating properties, at
  • In a few clicks, you can use points to book your next trip with the American Express Travel site. Use Membership Rewards® Pay with Points to book flights on any airline. Pay for all or part of your flight, hotel booked and paid in advance (prepaid hotel), vacation or cruise booking with no black out dates or seat restrictions

American Express® Gold Card’s Key Fees

  • ANNUAL FEE None 1st yr, $160 after
  • LATE FEE $37 or 2.99% of the past due amount, whichever is greater.

American Express® Gold Card’s Additional Info

  • Travel Benefits: Travel Accident Insurance, Car Rental Loss and Damage Insurance, Roadside Assistance and Baggage Insurance Plan
  • Extended Warranty, Purchase Protection and Return Protection
  • Entertainment Access
  • 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.
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Customer Reviews

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4.0 out of 5

323 reviews
Photo of Card H.
Feb 1, 2016
You might as well call it fool’s gold because the American Express Gold Card isn’t worth all that much, despite making pretenses otherwise. Its main benefits are 2 points per $1 spent and a credit of up to $75 after hotel stays of at least two nights booked through Amex. That’s fine, if unspectacular, for the first year, but then a $160 annual fee kicks in during year two and ruins the party. It’s unlikely that you will be able to squeeze enough value from this card’s offerings to offset this looming cost, so we recommend taking a pass on this “golden” opportunity.

If you’re nevertheless interested in learning more
Photo of halex2008
Mar 1, 2016
I got this card for the Delta Skymiles rewards. The only thing I would improve is the annual fee, with so much competition out their it would be nice to waive or lower the annual fee. I also would like to see more promotions in earning additional miles. I really like the layout of the website to view my account the alerts straight to my phone in case of suspicious activity. Customer service is fast, courteous and very detailed in any questions or requests that I ever had. I have recommended this card to my family in friends for the same reason I got it in the first place.
Photo of Rob L.
Feb 18, 2016
I signed up for this card to receive more miles for my airline tickets, because the point system was extremely rewarding. So far this card has netted me many extra miles and allowed me to upgrade numerous flights to a better business class. I would say this card has been more handy than many of the other credit cards I have received, and would certainly recommend it to others in my similar situation. The only down side to this card is the 160$ annual fee, which may be off putting for some, however with the extra points earned through its reward program it practically pays for itself.
Photo of Princess
Jan 31, 2016
This card always delivers. I got this card several years ago jointly with my boyfriend. This card is virtually accepted everywhere! I went out of the country to Domenican Republic with this card, and experienced no issues whatsoever! My account has no predetermined limit, but has tight security and alerts me if anything seems out of the ordinary for my spending. Customer service is amazing and very helpful with my questions or inquiries. I would definitely recommend this card to friends and family!
Photo of Princess M.
Jan 27, 2016
This card always delivers. I got this card several years ago jointly with my boyfriend. This card is virtually accepted everywhere! I went out of the country to Domenican Republic with this card, and experienced no issues whatsoever! My account has no predetermined limit, but has tight security and alerts me if anything seems out of the ordinary for my spending. Customer service is amazing and very helpful with my questions or inquiries. I would definitely recommend this card to friends and family!
Photo of Padmaja D.
Dec 11, 2015
Poor customer service and rude team
Photo of Nima S.
Nov 30, 2015
I love this credit card the benefits have come in handy more than once. First time I dropped my brand new camera in the water while on vacation. Once I got home I took it to a repair shop which said it was too much to fix so Amex refunded the entire amount of the camera and I was able to buy a new one. Second time my apple laptop stopped working and it was after warranty but Amex extends your warranty so they paid for the repairs. I always make sure to put any big purchases on my Amex.
Photo of Alex B.
Sep 10, 2015
Overall, I think this is a solid charge card that gives you the benefits you pay for. The first year, they waive the annual fee but it rises to $160 after the first year, which is probably the only negative aspect of this card as this fee rests in the upper spectrum of annual fees with any credit card out there. Personally, I would still prefer regular credit cards that allows me the flexibility to pay in full each month or just the minimum if my funds for the month run low. Other cards like Chase Freedom and BankAmericard offer this flexibility while maintaining many of the cash-back options seen more
Photo of Willaim F.
Jun 9, 2015
When you are able to slap one of these badboys in your wallet, that's when you know ..... You've made it. I was looking through certain credit cards trying to find a good one to apply for and my eyes laid upon this one. I'm pretty sure my credit or bank account is not big enough to be able to get one of these but it's good to have dreams and goals. I want to be able one day to go into a BMW dealership and just take a test drive get back to the dealership and slap one of these golden pieces of plastic down. On a serious note, more
Photo of Emily L.
May 8, 2015
The American Express Gold Card has good qualities but they are diminished by the high annual fee of $125 after the first year. On its own merit, the rewards system is a positive. Although you can earn rewards at a high rate compared to some other cards, I would rather get cash rewards than these point reward systems. The negative aspect is you basically have to use this card all the time to earn enough rewards to cancel out the high fee. Which leaving you breaking even. I much prefer a card with no annual fee so I can keep the rewards and spend them on something I want or need.
Photo of Mitchell H.
Apr 22, 2015
The American Express Gold Card has a great rewards system if you use it properly and to its fully potential, but the negative for this card is the extremely high annual fee of $125. Granted, you get your 1st yr free, but after that it will cost you. It's a way to make the customer use this card over any other in order to get the rewards and balance out that annual fee. I still prefer my Chase Freedom Card with the 5% cash back categories and NO annual fee. It really does provide a sense of freedom with not having to worry about using it all the time in more
Photo of Phoenix M.
Apr 3, 2015
American Express Gold Card Rewards is an interesting system. It rewards the card owner for use with the card. I like programs like this they encourage the card owner to make purchases also the rewards sometimes one acquires is great like travels for free. The gold card offers you the choice to transfer points acquired from purchases to use in 20 different frequent traveler programs that the gold card offers. On top of the 500 leading brands in travel, gift cards, merchandise and entertainment stuff.
Photo of Aaron W.
Mar 4, 2015
Looking at the benefits and the fees of the American Express Gold Card, I was happy to see the points and everything you can do with your points, but to me the annual fee is really high. I know you have to pay off your balance every month with American Express, so the people who can do this may not be bothered by the high annual fee. The points are nice, but I prefer cards that give me cash back. I think this card may be good for a certain demographic, but I'm not in that demographic. I prefer a low (or no) annual fee and cash back. I also more
Photo of Nicole W.
Feb 17, 2015
Although the rate they allow you to earn points is relatively high compared to some cards, I prefer earning cash rather than points. The travel benefits are a huge bonus, but the annual fee is a huge turnoff for me. I will stick to my cash rewards card. I don't see an APR anywhere, I am curious how they compare to other cards.
Photo of Tyler M.
Feb 10, 2015
There are Gold Cards out there that have unlimited cash, but you would have to be incredible to ever get one or even lay your eyes on for that matter. I loved mine.
Photo of Nate G.
Jan 30, 2015
This is an excellent card. They waive the first years fee completely and then afterwards it stays at a reasonable 125 dollars. The rewards program is very good too and you receive one point for every dollar spent. You can also get hotel credits and two times Membership Rewards points at Being a frequent flier, the card works well for me and has been very convenient when booking travel. Although it does carry an international use fee, it has a lot of perks and can save you some money if you know how to use it well. So for frequent fliers and travelers, this is a good card and more
Photo of Daniel F.
Jan 5, 2015
The American Express Gold Card is good for people who spend a decent amount of money and pay it off monthly to avoid the large late fee. I prefer my Chase card because they're more lenient on late fees in my experience. However, I love the fact that you can use accumulated points in a large amount of places and transfer them to other point programs further adding to the amount of places you can spend your points.
Photo of Libbi Z.
Jan 5, 2015
I don't think this is the best card out there. Through Discover, you earn money, not points, which I think is much easier than having to trade in points for items later on. You can use the money for gift cards, statement credit and many other things. Also, I would never use a credit card that charges a yearly fee...what a waste! You are basically earning what you already paid up front. Silly.
Photo of William S.
Dec 1, 2014
What a card, the charge card is super for keeping up with monthly expense and it keeps you alert simply because it will not carry a balance over from month to month. This has made it a lot easier to budget, I've put myself in a better financial situation because you can see where you are wasting money over the long run.

I do always use this card and pay it off monthly. AMEX will send you a bill that contains the full amount due. There is a yearly fee, but it's not that bad because if you compare it to what the credit card companies will end up charging more
Photo of Justus J.
Nov 20, 2014
I've had my AmEx Gold for 10 years and haven't had a single problem. There service is outstanding. From their phone reps, to managing your account online. They really do provide a better service than most other credit card companies. I have been really satisfied and thus why I've kept my Gold Card for this long. Sure they may not be accepted everywhere, but really most of the places are starting to accept them now and I always use my AmEx whenever I have a chance to. Their Customer Service is top-notch, I had actually bought an espresso machine online and it turned out the seller tried to scam me more
Photo of Yona R.
Sep 22, 2014
The thing I dislike about this card and most American Express cards is the international transaction fees. I always though of AMEX as a travel card but very rarely is it beneficial to travel with. I lost my debit card in Spain and was left with only this AMEX that cost me big.
Photo of Alia B.
Sep 9, 2014
Although the American Express Gold Card has a lower annual fee than the American Express Platinum Card, it still doesn't seem worth it or appealing to me. I dislike point based rewards, however, if it was a card that I used frequently, and the reward options (like merchandise and gift cards) were something that I was interested in, it might be a worthwhile card. The $75 credit on hotel expenses and using your points for airline travel would make this a great card for people that travel frequently. However, I am not one of those people, so this card doesn't seem that useful to me.
Photo of Lisa D.
Jul 17, 2014
$125 is a hefty fee for an annual card fee, even if you do receive the 1st year without the fee. I actually had this card but ended up canceling it. For someone who will use this for frequent flier miles and hotel visits then it is a great card and you can earn back your entire $125 with different deals and offers. One of the things I really did like about American Express was that you can't charge more than you can pay. The card has to be paid in full every month, so it you have your finances in order and don't have to worry about min payments more
Photo of Lisa S.
Jul 9, 2014
As the annual fee for the American Express card is fairly high -- $125 after the first year --getting the card is a commitment to their rewards programs. If you're consistent about using the card and getting the hotel credit ($75) as well as other rewards such as the complimentary room upgrades, you can easily make that $125 back and enjoy all the benefits of using American Express. My USAir mastercard has a significantly lower annual fee, however it does have blackout dates -- this card does not.
Photo of Yolanda J.
Jun 23, 2014
With the American Express Gold Card I like that you earn points ever time it is being used. The points do not expire and you have up to 500 different brands to use them for. You can also use them for frequent flyer miles. You can receive up to $75 in hotel credit, which can really help. What I do not like about this card is the $125 annual fee that has to be paid after the first year. That is not something I would want to pay.
Photo of Ken W.
Jun 2, 2014
The American Express Gold Card is decent, but does not really offer significant benefits that warrant spending the extra money as compared to the American Express Green Card. I prefer the American Express Gold Premium Rewards Card because it offers extra points on a wider range of purchases. Overall, the Gold Card does have good customer service features that make it a good card, but I believe that there are better cards out there.
Photo of Bryant M.
May 15, 2014
This card doesn't seem as if it would be the best fit for people like me. While the first year is free, every year after carries a $125 annual fee. I have a similar card from Amazon and Chase. It doesn't carry that fee, and it also allows more points per dollar spent. While this card gives a max of 2, the Chase Amazon card allows 3 points per purchase. While this may be a good card for some, in my opinion, it doesn't work well for me.
Photo of Hannah S.
Apr 28, 2014
As a frequent flyer the American Express Gold Card seems like it could be very helpful, especially if used on a regular basis. The hotel credit could also be very useful. The only two problems I would see with card would be that it takes 5,000 points to start redeeming for travel. I could see it taking a while to earn that many points. The other problem is the 125$ fee after the first year. That is a fairly large fee. The citi credit card I have does not have an annual fee and there I get to redeem points much faster than 5000 points.
Photo of Corey B.
Apr 8, 2014
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!
Photo of John H.
Apr 4, 2014
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.
Photo of Janet P.
Mar 27, 2014
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.
Photo of Vin S.
Mar 20, 2014
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
Photo of Jaye G.
Feb 21, 2014
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!
Photo of Lakeisha M.
Feb 10, 2014
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.
Photo of Brianna B.
Jan 27, 2014
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
Photo of Laura L.
Dec 27, 2013
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.
Photo of Karen C.
Dec 13, 2013
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.
Photo of Zeb D.
Dec 11, 2013
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.
Photo of Greg K.
Dec 8, 2013
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!
Photo of Chelsea M.
Dec 5, 2013
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".
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Last updated on: Sep 29th, 2016 at 11:32 EDT

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