Rated 3.5/5 stars by our editorial team
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3.1/5.0 from 18 Offer Ratings
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on American Express's secure site
Foreign Transaction Fee None
Balance Transfer Fee N/A
Cash Advance Fee Either $10 or 5% of the amount of each cash advance, whichever is greater.
Penalty APR See Rates & Fees
Rewards Rate 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.
Annual Fee $250
$0 Fraud Liability No
Auto Rental Insurance Yes
Extended Warranty Program Yes
Roadside Assistance No
Purchase Protection Yes
Travel Assistance Yes
Flight Accident Insurance No
Lost Luggage Reimbursement Yes
Concierge Service Yes
The American Express® Gold Card is specifically designed for those who really enjoy their membership reward benefits. This card offers 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 earn 60,000 Membership Rewards® points after you spend $4,000 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.
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.
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.
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.
18 Total Ratings