American Express® Gold Card

american express gold card
Required Credit Score:
Excellent
Charge Card: Balance must be paid in full each month
4 304 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
  • 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.
  • Receive up to a $75 hotel credit on qualifying charges and room upgrade at check-in, if available, with each booking when you stay a minimum of two consecutive nights and use your Card.
  • 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
  • Earn 2X points for flights booked directly with airlines and at U.S. restaurants.

American Express® Gold Card’s Key Fees

  • ANNUAL FEE None 1st yr, $160 after
  • FOREIGN TRANSACTION
    FEE  
    None
  • LATE FEE $38 or 2.99% of the past due amount, whichever is greater.

American Express® Gold Card’s Additional Info

  • Travel Benefits: Baggage Insurance Plan, Roadside Assistance Hotline, Car Rental Loss and Damage Insurance, Travel Accident Insurance and more.
  • Enjoy Entertainment Access, Extended Warranty, Purchase Protection, Return Protection and more.
  • 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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American Express® Gold Card Reviews

 
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Overall Rating: 4.0 / 5
Total Ratings: 304
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Jun 9, 2015
Photo of Willaim F.
5
By:
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
May 8, 2015
Photo of Emily L.
2
By:
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.
Apr 22, 2015
Photo of Mitchell H.
3
By:
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
Apr 3, 2015
Photo of Phoenix M.
5
By:
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.
Mar 4, 2015
Photo of Aaron W.
3
By:
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
Feb 17, 2015
Photo of Nicole W.
3
By:
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.
Feb 10, 2015
Photo of Tyler M.
5
By:
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.
Jan 30, 2015
Photo of Nate G.
5
By:
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 amextravel.com. 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
Jan 5, 2015
Photo of Daniel F.
3
By:
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.
Jan 5, 2015
Photo of Libbi Z.
1
By:
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.
Dec 1, 2014
Photo of William S.
5
By:
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
Nov 20, 2014
Photo of Justus J.
5
By:
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
Sep 22, 2014
Photo of Yona R.
3
By:
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.
Sep 9, 2014
Photo of Alia B.
3
By:
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.
Jul 17, 2014
Photo of Lisa D.
3
By:
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
Jul 9, 2014
Photo of Lisa S.
5
By:
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.
Jun 23, 2014
Photo of Yolanda J.
3
By:
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.
Jun 2, 2014
Photo of Ken W.
3
By:
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.
May 15, 2014
Photo of Bryant M.
3
By:
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 $125 annual fee. I have a similar card from Amazon and Chase. It doesn't carry that fee, and it also allows more points per dollar spent. While this card gives a max of 2, the Chase Amazon card allows 3 points per purchase. While this may be a good card for some, in my opinion, it doesn't work well for me.
Apr 28, 2014
Photo of Hannah S.
3
By:
Apr 28, 2014
As a frequent flyer the American Express Gold Card seems like it could be very helpful, especially if used on a regular basis. The hotel credit could also be very useful. The only two problems I would see with card would be that it takes 5,000 points to start redeeming for travel. I could see it taking a while to earn that many points. The other problem is the 125$ 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.
Apr 8, 2014
Photo of Corey B.
4
By:
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!
Apr 4, 2014
Photo of John H.
3
By:
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.
Mar 27, 2014
Photo of Janet P.
4
By:
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.
Mar 20, 2014
Photo of Vin S.
3
By:
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
Feb 21, 2014
Photo of Jaye G.
4
By:
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!
Feb 10, 2014
Photo of Lakeisha M.
5
By:
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.
Jan 27, 2014
Photo of Brianna B.
4
By:
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
Dec 27, 2013
Photo of Laura L.
4
By:
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.
Dec 13, 2013
Photo of Karen C.
5
By:
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.
Dec 11, 2013
Photo of Zeb D.
5
By:
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.
Dec 8, 2013
Photo of Greg K.
5
By:
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!
Dec 5, 2013
Photo of Chelsea M.
5
By:
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".
Nov 25, 2013
Photo of Jane L.
3
By:
Nov 25, 2013
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:
Nov 21, 2013
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:
Nov 16, 2013
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:
Nov 8, 2013
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:
Nov 5, 2013
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:
Oct 29, 2013
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:
Oct 24, 2013
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:
Oct 21, 2013
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
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Last updated on: Jun 12th, 2015 at 2:47 EDT