- Sign-Up Bonus
- 2.5
- Spending Multipliers
- 4.5
- Credits & Features
- 4
- Fees
- 3
- Application
- 5
- Issuer
- NaN
Summary
- Sign-Up Bonus
- 2.5
- Spending Multipliers
- 4.5
- Credits & Features
- 4
- Fees
- 3
- Application
- 5
- Issuer
- NaN
The American Express Gold Card is a premium rewards credit card designed for food lovers, frequent diners, and travelers who can maximize monthly statement credits and lifestyle perks. While the annual fee is not waived in the first year, cardholders can offset much of the cost through up to $10 in monthly dining credits at select partners, $10 in monthly Uber Cash, a $7 monthly Dunkin’ credit, a $100 annual Resy credit, and up to $100 in hotel experience credits when booking through American Express Travel—though many of these perks are issued incrementally and may feel niche. The card also stands out for having no foreign transaction fees, up to five free authorized users, purchase protection (up to $10,000 per occurrence and $50,000 per year), extended warranty coverage, baggage insurance, and car rental loss and damage insurance. However, elevated spending multipliers come with category restrictions, and non-bonus purchases earn just 1x points, so this card is best for high spenders in dining and travel categories who will fully use the monthly credits rather than those seeking a simple, flat-rate rewards card.
Pros
Cons
Issuer
Spending Multipliers
Credits & Features
Application
- Welcome offer can only be received once in a lifetime
- Opening this might card effects your welcome offer eligibility on other cards in the same family
- Number of hard pull are usually irrelevant for American Express
- Consider having at least a credit history for 6 months
Fees
- $325 Annual Fee
- No Foreign Transaction Fee
- Up to $40 late fee
- Up to $40 return payment fee
- 19.49% - 28.49% Variable APR
- 28.74% APR for Cash Advance
- $10 or 5% of each cash advance amount (whichever is greater)