American Express Gold Card Review

The American Express® Gold Card offers various benefits for cardholders looking to maximize their rewards and travel experiences. With an annual fee of $250, this card offers a competitive rewards rate that includes 4X Membership Rewards points at restaurants, plus takeout and delivery in the U.S., 4X Membership Rewards points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), and 3X Membership Rewards points on flights booked directly with airlines or on amextravel.com. Additionally, cardholders can enjoy no foreign transaction fees and up to $120 in annual dining credits. In this article, we’ll delve into the comprehensive American Express Gold Card review and talk about its benefits, features, all kinds of rates and fees and comparisons with other similar credit cards.

Let’s start with quick highlights!

Quick highlights

Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases within the first six months of Card Membership.
Earn 4X points at Restaurants, plus takeout and delivery in the U.S.
Earn 4X points at U.S. supermarkets (up to $25,000 per calendar year in purchases, then 1X).
Earn 3X points on flights booked directly with airlines or on amextravel.com.
Get $120 Uber Cash and $120 Dining Credit each year.
Enjoy a $100 experience credit with a minimum two-night stay at The Hotel Collection.
Choose from Gold or Rose Gold card color options.
No Foreign Transaction Fees.
Annual Fee is $250.

American Express Gold Card Rewards

American Express Gold Card offers a generous reward rate for various categories, including dining, supermarkets, and flights including:

Earn 4 points per dollar at restaurants.
Earn 4 points per dollar at U.S. supermarkets (on up to $25,000 in purchases per calendar year).
Earn 3 points per dollar on flights booked directly with airlines or amextravel.com.
Earn 1 point per dollar on other purchases.
Terms and limitations apply.

Introductory Bonus

American Express Gold Card offers an excellent introductory bonus of 60,000 points if you spend $6,000 in the first six months of card membership.

Annual Bonus

Receive up to $100 activity credit on vacations over $3,000 (booked with a participating supplier through American Express Travel).
Enjoy up to $120 dining credit (enrollment required).
Get up to $100 hotel credit for qualifying activities through The Hotel Collection (minimum two-night stay; experience credit varies by property).

Benefits Of American Express Card

As a card member, you can enjoy various benefits and rewards with the American Express Gold Card.

$120 Uber Cash: Add your Gold Card to your Uber account and automatically receive $10 in Uber Cash each month for Uber Eats orders or rides in the U.S., totaling up to $120 per year. Plus, earn 4X Membership Rewards® points for every Uber Eats purchase with your Gold Card.
$120 Dining Credit: Satisfy any craving with the $120 dining credit included with your Gold Card. Get up to $10 in statement credits each month when you dine at participating locations such as Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, and select Shake Shack locations. Enrollment is required.
3X Membership Rewards® Points: Earn 3X Membership Rewards® points on flights booked directly with airlines or through amextravel.com. Make the most of your travel purchases with this generous rewards rate.
The Hotel Collection: Book your stay at The Hotel Collection through American Express Travel and receive a $100 experience credit to use during your visit. A minimum 2-night stay is required; the experience credit varies by property.
No Foreign Transaction Fees: Are you travelling abroad? The Gold Card has no foreign transaction fees, making it the perfect card to take with you on any trip.
Global Assist® Hotline: For peace of mind while travelling, the Global Assist® hotline is available 24/7 for emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance.
Baggage Insurance Plan: Travel worry-free, knowing you’re covered for lost, damaged, or stolen baggage when you use your Gold Card to purchase a common carrier ticket (e.g. plane, train, ship, or bus).
Car Rental Loss and Damage Insurance: Use your Gold Card to reserve and pay for a rental car and decline the collision damage waiver at the counter. You’ll be covered for any damages or theft of the vehicle.
Pay with Points: Redeem your Membership Rewards points on AmexTravel.com to cover all or part of your flights and prepaid hotels for your next trip. With destinations around the globe, your points can help you get there.

American Express Gold Card Rates and fee

Intro offer: 60,000 Membership Rewards Points
Regular APR: 21.24% to 29.24% (This APR will vary with the market based on the Prime Rate).
APR for Cash Advances: 29.99% (This APR will also vary with the market based on the Prime Rate).
Annual Membership Fee: $250
Cash Advance Fee: Either $10or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction Fee: None
Late Payment Fee: Up to $40
Returned Payment Fee: Up to $40

Eligibility Criteria for American Express Gold Card

To apply for the American Express Gold Card, you must be at least 18 years of age and a resident of the United States. You also need to have a good credit score and meet the income requirements set by American Express.

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

Be at least 18 years of age.
Be a U.S. citizen or permanent resident of the United States.
Have a valid Social Security Number.
Have a valid U.S. street address.
Keeping a good to excellent credit score.
Have a minimum income requirement (specific amount not disclosed).

Customer Service

Helpline Number: 1800 419 2122
Official Website: American Express

Conclusion

Experience the world in style with the American Express® Gold Card. With various rewards and benefits, this card is perfect for travelers who want to make the most of their trips. This card has everything from $120 in Uber Cash annually to 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Plus, you can travel worry-free with no foreign transaction fees and access to the Global Assist® Hotline. With an intro offer of 60,000 Membership Rewards® Points and an annual fee of $250, this card offers exceptional value for frequent travelers.

Frequently Asked Questions (FAQs)

Is the American Express Gold Card hard to get?

The American Express Gold Card is considered a premium credit card, and therefore has higher eligibility requirements compared to other credit cards. However, it is not impossible to obtain if you have a good credit score and meet the minimum income requirements set by American Express. To get approved for the American Express Gold Card you must be a U.S. citizen, 18 years old, and a FICO Credit Score higher than 700 is required.

What is the American Express Gold Card for?

The American Express Gold Card is a rewards credit card that offers various benefits to its card members. These benefits include travel, dining, entertainment perks, shopping, and protection benefits. It is designed for individuals who frequently spend on these categories and want to earn rewards. The American Express Gold Card offers 4 membership rewards points at restaurants and delivery in the United States. Also, 4 membership rewards per every Dollar spent in U.S. supermarkets (up to $25000 yearly spent on purchases), then 1 point per every Dollar spent on other purchases.

Is the Amex Gold card still worth it?

The answer to this question depends on individual spending habits and preferences. However, the American Express Gold Card continues to offer various benefits that can be valuable for many cardholders. Some may find the rewards and perks well worth the annual fee of $250, while others may not see as much value in them.

What is the limit for an American Express Gold Card?

American Express does not disclose a specific limit for this card, but it is known to have a higher limit compared to other credit cards due to its premium status. The American Express Gold Card is a Charge Card, meaning the balance must be paid in full each month. While there is no pre-set spending limit, approval is based on factors such as payment history and credit record. Additional documentation may be required for responsible card use. This card is great for earning rewards on everyday purchases like gas, groceries, and drugstore items.

What is the annual fee for an American Express Gold card?

The annual fee for an American Express Gold card is $250

How do I pay off my monthly statement with an American Express Gold card?

As a Platinum, Gold, or Green Card member, you must pay off your monthly statement in full. This can be done through various payment methods, such as online, phone, or mail-in.

What are the rewards offered by the American Express Gold card?

American Express Gold card offers 4 points per dollar on supermarket and restaurant spending and 1 point per dollar on all other eligible purchases.

Are there any limits on the American Express Gold card?

The American Express Gold card does not have a credit limit. However, managing your spending and payments responsibly is important to maintain a good credit score.

Where is the American Express Gold card not accepted?

The American Express Gold card is not accepted in countries subject to U.S. economic sanctions, such as Cuba, Sudan, South Sudan, Iran, and Syria.

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Rewards

The American Express Gold Card offers a competitive rewards rate with 4X points at restaurants, 4X points at U.S. supermarkets (up to $25,000 per year), and 3X points on flights booked directly with airlines or amextravel.com. With an annual fee of $250, cardholders can enjoy no foreign transaction fees and up to $120 in yearly dining credits.

Rewards Rating

Rewards Value

9.6

Annual Percentage Rate

Rewards Flexibility

Features

Issuer Customer Experience

PROS

There is no foreign transaction fee.
Wide variety of airline transfer partners, including Delta Airlines.
Points do not expire.
There are no blackout dates for redemption.
Generous point limits with only a cap on U.S. supermarket purchases per calendar year.
Multiple redemption options include gift cards, shopping, travel, entertainment, merchandise, or charity.
Use points for all or part of qualifying travel purchases.
Ability to transfer points to multiple airline partners, including Delta Airlines.

CONS

The annual fee of $250 may need to be lowered for some individuals.
Certain credits associated with the card have restrictions, making them challenging to use effectively.

Specification: American Express Gold Card Review

Best For:	DINING REWARDS
Recommended Credit	Good to Excellent (670 – 850)
Intro Offer:	1 point per dollar on other purchases, 60,000 Membership Rewards
Rewards	1 point per dollar on other purchases, 4 points per dollar at restaurants
Annual Fee:	$250
Regular APR:	29.99%
Intro Balance Transfers APR:	21.24% to 29.24%
Intro Purchase APR:	N/A
Intro Purchase APR Period:	21.24% to 29.24%
Balance Transfers Fee:	N/A
Foreign Transaction Fee	None
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater.
Late Payment Fee:	Up to $40
Cash Equivalent Fee	N/A
Convenience Check Fee	N/A
Returned Payment Fee:	Up to $40
Over Limit Fee:	$0
ExtendPay Fee	N/A
Credit Card Limit:	No present credit limit
Credit Card Type	Dining, Rewards
Credit Card Features	Auto Rental Insurance, No Foreign Transaction Fee