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American Express® Gold Card

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Earn 35,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 3 months.
Earn 4X Membership Rewards® points when you dine at restaurants worldwide. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
$100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
Choose to carry a balance with interest on eligible charges of $100 or more.
No Foreign Transaction Fees.
Annual Fee is $250.
Terms Apply.
See Rates & Fees
Go to issuer's official application, terms, and details

See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. When you click on the Apply Now button, you can review the terms and conditions on the issuer's website.

In-Depth Review

American Express® Gold Card is a Personal American Express Network card with $250 annual fee.

Why this card may not be for you: This card has an annual fee. If you prefer a credit card with no annual fee instead, here is a side-by-side comparison of American Express Gold and Blue Cash Everyday.

Next Step: Apply for the American Express Gold with American Express secure online application. To qualify for this offer, you usually need good credit.

Rewards & Benefits

Introductory Bonus Offer
Earn 35,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 3 months.

Compare: American Express Gold vs Chase Sapphire Preferred

Airline Rewards
3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

Read: Airline Miles for Beginners

Compare: American Express Gold vs Gold Delta SkyMiles

Airline Status
$100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.

Read: Frontier Airlines Baggage Fees

Compare: American Express Gold vs American Express Platinum

Point Rewards
Earn 4X Membership Rewards® points when you dine at restaurants worldwide. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

Read: Charitable Giving

Grocery Rewards
4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X).

Read: Saving Money on Groceries

Compare: American Express Gold vs Blue Cash Preferred

Dining Rewards
4X Membership Rewards® points when you dine at restaurants worldwide.
Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.

Read: Credit Card Roulette

Events
Access to American Express Preferred Seating. Call 1-800-448-TIKS for more information

Car Rental Insurance
Car Rental Loss and Damage Insurance. This policy does not cover some vehicles, e.g. full-sized sport utility vehicles, trucks, off-road vehicles, cars with an original manufacturer's suggested new retail price of USD $50,000 or more, and exotic cars. Terms and limitations apply.

Read: Does My Credit Card Cover Car Rental Insurance?

Compare: American Express Gold vs Blue Cash Everyday

Airline Transfer Partners
Airline transfer partners include Delta, Hawaiian Airlines, Aeromexico, Air Canada, Air France, Emirates, Cathay Pacific (Asia Miles), Virgin Atlantic, Singapore Airlines, Etihad, Alitalia, All Nippon Airways and more.

Compare: American Express Gold vs Chase Sapphire Reserve

No Pre-Set Spending Limit
No pre-set spending limit does not mean unlimited spending. Purchasing power can adjust with your use of the Card, your payment history, credit record and financial resources known to us, and other factors.

Extended Warranty
(Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card)

Read: When a Credit Card Extended Warranty is Worth It

Purchase Protection
(Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card)

Read: Credit Card Purchase Protection: Should You Pay Extra for It?

Baggage Insurance
(Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card)

Read: Lost Luggage Statistics

$0 Fraud Liability

Read: Credit Card Fraud Statistics

Travel Assistance
When you travel more than 100 miles from home, American Express will provide you with medical, legal, or other emergency coordination and assistance, including medical and legal referrals, visa/passport help, cash wire service, lost luggage assistance and more. (Card Members are responsible for the costs charged by third-party service providers.)

Charge

Read: Charge Card vs Credit Card

Smart Chip

Read: What Are Chip Credit Cards

Compare: American Express Gold vs Chase Freedom Unlimited

Fees

Annual Fee
$250 annual fee
Foreign Transaction Fee
No foreign transaction fee

	American Express® Gold Card	Chase Sapphire Preferred® Card


	Earn 35,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 3 months. Earn 4X Membership Rewards® points when you dine at restaurants worldwide. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required. $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline. Choose to carry a balance with interest on eligible charges of $100 or more. No Foreign Transaction Fees. Annual Fee is $250. Terms Apply. See Rates & Fees	Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards® 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases. Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel No delivery fees for a minimum of one year on qualifying food purchases with a DashPass subscription from DoorDash -over a $100 value. Activate with your Chase Sapphire card by December 31, 2021. Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.
	Interest Rates and Fees
Purchase APR	See Rates & Fees	17.49% to 24.49% Variable based on your creditworthiness and other factors
Balance Transfers APR	See Rates & Fees	17.49% to 24.49% Variable based on your creditworthiness and other factors
Annual Fee	$250 annual fee	$95 annual fee
	Benefits and Features
Introductory Bonus Offer	Earn 35,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 3 months.	Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
Travel Rewards		2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide.
Airline Rewards	3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.	1:1 point transfer to leading airline and hotel loyalty programs
Hotel Rewards		1:1 point transfer to leading airline and hotel loyalty programs
Point Rewards	Earn 4X Membership Rewards® points when you dine at restaurants worldwide. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.	2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide
Airline Status	$100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
Grocery Rewards	4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X).
Dining Rewards	4X Membership Rewards® points when you dine at restaurants worldwide. Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.	2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide
Airline Transfer Partners	Airline transfer partners include Delta, Hawaiian Airlines, Aeromexico, Air Canada, Air France, Emirates, Cathay Pacific (Asia Miles), Virgin Atlantic, Singapore Airlines, Etihad, Alitalia, All Nippon Airways and more.	Chase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air France, Singapore Airlines, Virgin Atlantic, Iberia, Emirates, and Aer Lingus.

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

Complete Card Details

For the complete terms and conditions, view the issuer's official application, terms, and details. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. Please review the terms and conditions on the issuer's website.

Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by American Express.

Articles on American Express® Gold Card

AMEX Gold

If you spend a lot, the American Express® Gold Card may be worth considering. Read on for the pros and cons of the AMEX Gold Card.

American Express Gold Card Benefits

American Express® Gold Card offers many benefits and savings you may not know about that more than justify the annual fee. Read on to learn how get the most value.

Recent Mentions

What do you think about American Express® Gold Card?

Compare American Express Gold to:

Chase Sapphire Preferred® Card
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards® 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases. Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel No delivery fees for a minimum of one year on qualifying food purchases with a DashPass subscription from DoorDash -over a $100 value. Activate with your Chase Sapphire card by December 31, 2021. Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.
Intro APR for Purchases	Intro APR for Balance Transfer	Regular APR	Annual Fee
N/A	N/A	17.49% - 24.49% Variable	$95

	The Platinum Card® from American Express
	Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months. Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings. 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel. 5X Membership Rewards points on prepaid hotels booked on amextravel.com. Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world. Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More. $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline. Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required. $550 annual fee. Terms Apply. See Rates & Fees
	Card Type			Annual Fee
	Personal Charge Card			$550

	American Express® Gold Card
	Earn 35,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 3 months. Earn 4X Membership Rewards® points when you dine at restaurants worldwide. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required. $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline. Choose to carry a balance with interest on eligible charges of $100 or more. No Foreign Transaction Fees. Annual Fee is $250. Terms Apply. See Rates & Fees
	Card Type			Annual Fee
	Personal Charge Card			$250

Blue Cash Preferred® Card from American Express
Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. New 6% Cash Back on select U.S. streaming subscriptions. New 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more. 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases. Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018. Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49% $95 annual fee. Terms Apply. See Rates & Fees
Intro APR for Purchases	Intro APR for Balance Transfer	Regular APR	Annual Fee
0% on purchases for 12 months	0% on balance transfers for 12 months	14.49% - 25.49% Variable	$95

Gold Delta SkyMiles® Credit Card from American Express
Earn 30,000 bonus miles after you use your new Card to make $1,000 in purchases within your first 3 months and a $50 Statement Credit after you make a Delta purchase with your new Card within your first 3 months. Earn 2 miles on every eligible dollar spent on purchases made directly with Delta. Earn 1 mile for every eligible dollar spent on purchases. Check your first bag free on Delta flights -that's a savings of up to $240 for a family of 4 roundtrip. Receive Main Cabin 1 Priority Boarding on Delta flights, stow your carry-on bag and settle in sooner. Enjoy a $0 introductory annual fee for the first year, then $95. Terms Apply. See Rates & Fees
Intro APR for Purchases	Intro APR for Balance Transfer	Regular APR	Annual Fee
N/A	N/A	17.24% - 26.24% Variable	$0 introductory annual fee for the first year, then $95

Wells Fargo Propel American Express® card
Intro APR for Purchases	Intro APR for Balance Transfer	Regular APR	Annual Fee
0% for 12 months	0% for 12 months on qualifying balance transfers	15.49% - 27.49% (Variable)	$0

Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®
Intro APR for Purchases	Intro APR for Balance Transfer	Regular APR	Annual Fee
N/A	N/A	17.49% - 25.49%* (Variable)	$99, waived for first 12 months*

Blue Cash Everyday® Card from American Express
Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). 2% Cash Back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases. Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%. Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018. Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise. No annual fee. Terms Apply. See Rates & Fees
Intro APR for Purchases	Intro APR for Balance Transfer	Regular APR	Annual Fee
0% on Purchases for 15 months	0% on Balance Transfers for 15 months	14.49% - 25.49% Variable	$0

Amex EveryDay® Credit Card from American Express
Intro APR for Purchases	Intro APR for Balance Transfer	Regular APR	Annual Fee
0% on purchases for 15 months	0% on balance transfers for 15 months	14.49% - 25.49% Variable	$0

Discover it® Cash Back
Intro APR for Purchases	Intro APR for Balance Transfer	Regular APR	Annual Fee
0% for 14 months	0% for 14 months	13.49% - 24.49% Variable	$0

Disclaimer: The information for the Wells Fargo Propel American Express® card, Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®, Amex EveryDay® Credit Card from American Express, and Discover it® Cash Back has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

Featured Cards from American Express

Blue Cash Everyday Review

If you want a cash back credit card with the same rewards categories year-round, then consider the Blue Cash Everyday® Card from American Express. Read on for the pros and cons.

American Express Platinum Review

Is the Platinum Card® from American Express worth it? Read this in-depth review to help you decide.

Blue Cash Preferred

If you are looking to get cashback rewards on common household categories like purchases at U.S. supermarkets and U.S. gas stations, consider the Blue Cash Preferred® Card from American Express. Amex created the Preferred card as an upgrade to the Blue Cash Everyday.

see more American Express Cards