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American Express® Gold Card review

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Spend in categories like airfare, dining and groceries to collect points that take you around the world.’s rating: 4.6 / 5.0


  • Get this card if you spend big on airfare, dining, gas and groceries and want travel rewards.
  • Pick something else if you don’t want an annual fee or are looking to pay off your balance over time.
  • Apply with a good to excellent credit score of 680 or higher.


Points as welcome offer

Up to 4x



Annual fee


Recommended credit score


Product NameAmerican Express® Gold Card
Card typeAmerican Express
Annual fee$250
Cash advance rate25.24% variable
Cash advance fee$10 or 5% of the cash advance amount, whichever is greater
Foreign transaction feeNone
Interest free periodUp to 25 days
Late payment feeUp to $40
Returned payment feeUp to $40
Rates & feesrates & fees

Expert review

Kevin Joey Chen

Review by

Kevin Joey Chen is a credit cards, banking and investments writer whose work and analysis have appeared on CNN, U.S. News & World Report,, Lifehacker and He's passionate about helping you get your finances in order by expertly navigating cutting-edge financial tools — including credit cards, apps and budgeting software.

Expert review

With up to 4x points on select purchases, a 60,000 point welcome offer, $100 in airline credits and up to $10 in additional credit monthly, the American Express® Gold Card stands out as a powerful and popular travel card.

And this card does more than just earn coveted Membership Rewards points, offering an array of travel benefits, such as concierge service and access to Hotel Collection perks.

If you’re a frequent traveler and luxury enthusiast, the American Express® Gold Card could be the companion you need to earn and travel on your own terms.

Apply now

How to apply for the American Express® Gold Card

  1. Click Apply now.
  2. Complete the application with information like your Social Security number, home address, income source and total annual income.
  3. Review and submit your application.

How long will it take to get my American Express® Gold Card?

Because conditional credit card approval is automated on the website, you may get a decision on your application within 30 seconds. If there are issues with your application, it may take a few business days up to a few weeks to hear back.

After you’re approved, you’ll typically receive your card in the mail within 10 business days.

Benefits changes to the American Express® Gold Card in 2020

Amex added, removed and reduced certain American Express® Gold Card coverages on January 1, 2020. Trip cancellation coverage and Baggage Insurance Plan benefits are slated to remain the same.

Planned changes include:

  • Added trip delay reimbursement.
  • Reduced extended warranties from two years to one year.
  • Reduced purchase protection from 120 days to 90 days.
  • Removal of travel accident insurance.
  • Removal of roadside assistance.
  • Removal of return protection.

The American Express® Gold Card benefits

  • 60,000-point welcome offer.

    To earn this welcome offer, spend $4,000 in purchases in your first 6 months of card membership.

  • Rewards: Accelerated points in multiple categories.

    Earn 4x points at restaurants. At US supermarkets, earn 4x points on up to $25,000 per calendar year on purchases, then 1x points.

    You’ll earn 3x points on flights you book directly with airlines or through American Express Travel. And you’ll earn 1x points on all other eligible purchases.

    The card sets itself apart from the competition with its generous reward tiers. Because it offers accelerated points on travel and everyday spending, you can spend broadly to rack up rewards toward worldwide travel.

  • Dining credit.

    You can earn up to $10 in statement credits monthly by using your card to pay at participating dining partners. You’ll need to enroll in the program to activate this perk.

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Is the annual fee worth it?

The American Express® Gold Card‘s $250 annual fee isn’t quite a premium price, but it’s still substantial (see rates & fees). Here are a few factors that’ll help you decide if it’s worth paying.

Earn excellent rewards in the right categories

To break even on the annual fee with rewards alone, you’ll need 25,000 points.

You can get there by spending:

  • $6,250 at restaurants or US supermarkets.
  • $8,334 on flights booked with airlines or on American Express Travel.

Take advantage of the card’s valuable credits

You could get a combined annual value of $220 from the dining and travel credits, helping you offset most of the card’s annual fee when used effectively.

BenefitEstimated annual value
Dining credit$120
Airline fee credit$100

Other travel perks

The American Express® Gold Card gives you access to The Hotel Collection. The $100 hotel credit for qualifying bookings can be especially valuable, especially if you travel often.

You’ll also find attractive travel and purchase protections, which can save you money in a pinch.

You’ll also like …

  • $100 airline fee credit.

    Charge up to $100 a year on eligible incidental airline fees with one qualifying airline — for instance, in-flight refreshments or checked baggage — and get it back in statement credits.

  • The Hotel Collection perks.

    When you book two or more consecutive nights through a qualifying travel service for the Hotel Collection you’ll receive up to a $100 hotel credit and a room upgrade when available.

  • No foreign transaction fees.

    Use your card internationally and on foreign websites without incurring fees.

  • Transfer points.

    Transfer your Membership Rewards points to eligible travel-related loyalty programs, such as British Airways Avios, Emirates Skywards, JetBlue TrueBlue, Choice Privileges Rewards, Hilton Honors and Starwood Preferred Guest.

  • Travel services.

    Access the Personalized Travel Service for bookings and the Global Assist Hotline on vacation for planning help and emergency services you might need. Also enjoy the American Express® Gold Card‘s complimentary travel coverage including car rental insurance and baggage insurance.

  • ShopRunner benefits.

    Get free two-day shipping at more than 100 stores through ShopRunner after an included one-time registration.

  • Purchase benefits.

    Extend the warranties on eligible items you buy with your card. Your eligible items are also covered against theft and accidental damage by Purchase Protection.

  • Access American Express perks.

    Use Amex Offers, which offers discounts and opportunities to earn more points at select stores, restaurants and services. Also get access to cardholder-only experiences and preferred seating at select events.

American Express® Gold Card: Limit on purchases?

Like The Platinum Card® from American Express, the American Express® Gold Card has no preset spending limit.

While that doesn’t mean you can spend as much as you want, it does mean there’s no defined credit limit. You may, if approved, make purchases that exceed your typical spending cap.

Your spending limit may change periodically based on your prior spending, payment history, income and more.

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What to watch out for

  • Annual fee.

    The card’s annual fee is a high $250, though you may find its rewards outweigh the cost.

  • Pay over time feature.

    This card is a hybrid between a charge card and a regular credit card. Charge cards required you to pay your bill in full monthly, with no balance carryover. This card’s Pay Over Time feature lets you set certain transactions to pay over time with interest, up to the Pay Over Time limit (see rates & fees). Or automatically set all eligible transactions over $100 to Pay Over Time, but you’ll pay interest from the transaction date on these purchases if you don’t pay them off at the end of the billing cycle. You’ll still need to pay any charges not applied to Pay Over Time or a payment plan in full by your monthly due date, including cash advances.

  • Not as widely accepted overseas.

    Because the card is provided by American Express, you might not have as many opportunities to use it overseas as you would a Visa or Mastercard.

  • It hurts to pay late.

    Making late or returned payments could saddle you with fees as high as $40.

Compare travel credit cards

Name Product Welcome offer Rewards Annual fee Filter values
American Express® Gold Card
60,000 points after spending $4,000 in the first 3 months
3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 with this upper-mid tier travel card. Rates & fees
Chase Sapphire Preferred® Card
80,000 points after spending $4,000 in the first 3 months, a value of up to $1,000 through Chase Ultimate Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
Earn a huge signup bonus worth $1,000 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
Citi Premier® Card
60,000 points after spending $4,000 in the first 3 months
3x points at restaurants, supermarkets, gas stations, flights and hotels and 1x points on everything else
Earn 60,000 bonus points after making $4,000 in purchases with your card within the first 3 months of account opening.
Chase Sapphire Reserve®
50,000 points after spending $4,000 in the first 3 months
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
Get a generous $300 in annual travel credits, 3x points on travel and dining, and a 50% bonus on point redemptions with Chase's premier card.
Marriott Bonvoy Brilliant™ American Express® Card
100,000 points after spending $5,000 in the first 3 months, plus earn 25,000 after the first anniversary of card membership (offer expires 1/13/2021)
6x points at Marriott Bonvoy hotels, 3x at US restaurants and on flights booked directly with airlines and 2x for all other purchases
Earn 100,000 bonus points when you spend $5,000 or more within your first 3 months, plus earn 25,000 after the first anniversary of card membership (offer expires 1/13/2021). Rates & fees

Compare up to 4 providers

Compare American Express travel cards

What should I know before I apply?

To apply for the American Express® Gold Card, you must be:

  • At least 18 years old.
  • A US citizen or permanent resident.

Is there a minimum American Express® Gold Card credit score?

American Express doesn’t publish a minimum credit score, but you’ll have a better chance of approval if you apply with a good to excellent score of 680 or higher. If you have a good credit score and a relatively high annual income, you may be the type of customer American Express is looking for.

Here are a few other factors that might affect your odds of approval:

  • Many hard inquiries on your credit. If you have several hard pulls on your credit history, it could indicate to a provider that you’re desperate for credit or have trouble managing your debt. As a result, American Express may be less likely to take you on as a customer.
  • Factors that tie into your credit score. Credit utilization is a major factor that American Express considers. Customers who have low balances relative to their credit limits are favored by providers. Many new card accounts on your file may be a red flag, indicating to a provider that you’re desperate for credit. It may also give the impression that you’re a flighty customer who’s hunting for welcome bonuses.
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American Express® Gold Card reviews and complaints

Customers generally say positive things about the American Express® Gold Card, many citing the card’s diverse rewards as their favorite feature. Many cardholders also like the ability to transfer points to other loyalty programs.

American Express earns a Trustpilot score of 3.1 out of 10 at the time of this writing. Many negative reviews cite unhelpful customer service and inflexible company policies. Positive reviews mention the company’s pleasant customer service representatives.

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I got the card. Now what?

  • Make timely payments.
    Register an account on the American Express website to pay your balance online and enroll in autopay.
  • Avoid fees.
    Late and returned payments come with fees of up to $40, so be sure to pay on time (see rates & fees).
  • Get help.
    If you’re not able to find what you need on the American Express website, call 800-528-4800 for American Express® Gold Card customer service. According to market research company J.D. Power, cardholders give American Express high marks for customer interaction.

How do I redeem points from the American Express® Gold Card?

Membership Rewards is a flexible program, letting you redeem points for options like:

  • Prepaid flights, hotels, cruises and vacations.
  • Shop with Membership Rewards points.
  • Pay off card charges.
  • Purchases on
  • Charitable donations.
  • Purchases with partners such as, and
  • Gift cards.
  • Point transfers.

Flights and gift cards are among the best options, according to redemption values in the Membership Rewards portal. You’ll often get a 1-cent-per-point value, which is standard for credit cards.

You could get a higher value with point transfers to Amex’s hotel and airline partners. For example, you’ll find values of more than 2 cents per point with programs such as British Airways Executive Club and Singapore Airlines KrisFlyer.

How to redeem points

Navigate to the Membership Rewards website, and log in with your American Express account. You can view your points balance, check special offers and more.

Bottom line

The American Express® Gold Card lets you spend in a wide array of categories to earn flexible travel points. Its accelerated rewards on both travel and everyday spending set it apart.

Consider other rewards cards to find the one that best fits your spending habits and financial needs.

Frequently asked questions about the American Express® Gold Card

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