American Express® Gold Card
Reviews
Trusted & Secure
Empowering over
50,000,000 card holders
Since 2005
Our pick for best all-around travel rewards program
- Regular Purchase APR See Pay Over Time APR
- Intro Purchase APR N/A
- Intro BT APR N/A
- Annual Fee $250
- Credit Needed Good/Excellent
- Card Brand American Express
- Regular Purchase APR See Pay Over Time APR
- Intro Purchase APR N/A
- Intro BT APR N/A
- Annual Fee $250
- Credit Needed Good/Excellent
- Card Brand American Express
Highlights
- Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
- Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
- Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
- $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
- Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
- Choose the color that suits your style. Gold or Rose Gold.
- No Foreign Transaction Fees.
- Annual Fee is $250.
- Terms Apply.
Card Fees
None
N/A
See Rates & Fees
Ongoing Information
Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 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. Terms apply.
$250
Additional Card Details
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Expert Reviews
From the CompareCards.com Editorial Team, updated on Apr 05, 2024
The American Express® Gold Card is specifically designed for those who really enjoy their membership reward benefits. This card allows you to earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 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. Terms apply. Cardholders can also earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership. Membership Rewards® can be used on multiple airlines with no seat restrictions or blackout dates, or they can be used to book hotels, cruises and vacation packages – all while still earning from your own frequent flyer and guest rewards programs, as applicable. Points can also be redeemed for rewards from participating retailers.
The American Express® Gold Card provides cardholders with a suite of services such as Fraud Protection Guarantee, Return Protection, Extended Warranty, Purchase Protection, and Emergency Card Replacement services. American Express Travel Service is also available with features like Baggage Insurance Plan, Emergency Check-In, Assured Reservations, Car Rental Loss and Damage Insurance, and Travel Accident Insurance. Some programs and services may require enrollment. *Terms and limitations apply.
To see rates & fees for American Express® Gold Card please click here.Expert Reviews of the American Express® Gold Card
The Bottom Line
The card offers a much faster way to earn rewards points on various purchases such as restaurants and U.S. supermarkets. There's no foreign transaction fee and balances must be paid in full at the end of every month. To see rates & fees for American Express® Gold Card please click here.
The Good
You can fast-track your rewards and earn them up to three times as fast while enjoying all the prestige and benefits of an American Express® Gold Card.
The Not so Good
Prestige comes at a price. You pay $250 annually
Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by American Express.
Consumer Reviews
OFFER RATING
/5.0
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Our pick for best unlimited cash back card
- Welcome Offer Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
- Rewards Rate Earn unlimited 2% cash rewards on purchases
- Extra Perks No categories to track or remember and cash rewards don't expire as long as your account remains open.
- Annual Fee $0
- Credit Needed Good/Excellent
- Card Brand Visa®
- Welcome Offer Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
- Rewards Rate Earn unlimited 2% cash rewards on purchases
- Extra Perks No categories to track or remember and cash rewards don't expire as long as your account remains open.
- Annual Fee $0
- Credit Needed Good/Excellent
- Card Brand Visa®
Highlights
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don't expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
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Our pick for doubling your cash back
- Rewards Rate Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
- Intro Balance Transfer APR 0% intro APR for 18 months on Balance Transfers
- Regular Purchase & BT APR 19.24% - 29.24% (Variable)
- Annual Fee $0
- Credit Needed Fair/Good/Excellent
- Card Brand Mastercard®
- Rewards Rate Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
- Intro Balance Transfer APR 0% intro APR for 18 months on Balance Transfers
- Regular Purchase & BT APR 19.24% - 29.24% (Variable)
- Annual Fee $0
- Credit Needed Fair/Good/Excellent
- Card Brand Mastercard®
Highlights
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
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Our pick for unlimited cash rewards with a great sign-up bonus
- Rewards Rate Unlimited 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
- Sign-Up Bonus One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Intro APR 0% intro on purchases for 15 months, then 19.99% - 29.99% (Variable). 0% intro on balance transfers for 15 months (Balance transfer fee applies), then 19.99% - 29.99% (Variable). Balance transfer fee applies
- Annual Fee $0
- Credit Needed Good/Excellent
- Card Brand Mastercard®
- Rewards Rate Unlimited 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
- Sign-Up Bonus One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Intro APR 0% intro on purchases for 15 months, then 19.99% - 29.99% (Variable). 0% intro on balance transfers for 15 months (Balance transfer fee applies), then 19.99% - 29.99% (Variable). Balance transfer fee applies
- Annual Fee $0
- Credit Needed Good/Excellent
- Card Brand Mastercard®
Highlights
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
- For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
See additional details for Capital One Quicksilver Cash Rewards Credit Card
