Premier Rewards Gold Card from American Express

Cardholders' Choice i
Cardholders' Choice i
Apply by phone: 1-800-297-6700
  • Receive 25,000 Membership Rewards® Points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
  • Terms and limitations apply.
  • 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases. Terms and limitations apply.
  • No matter where you're traveling, when you use your Premier Rewards Gold Card there are no foreign transaction fees from American Express.
  • $100 Airline Fee Credit. Up to $100 a year in baggage fees and more at one airline.
  • Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, if available with The Hotel Collection at americanexpress.com/hc. Terms apply.
  • There is a $0 introductory annual fee for the first year, then $195.
  • Visit our credit card partner’s site in order to learn more and securely apply for the Premier Rewards Gold Card from American Express
Annual Fee:
$0 for the first year, then $195
Purchase Intro APR:
N/A
Purchase Regular APR:
N/A
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
N/A

Details, Rates & Fees

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate N/A
Cash Advance Fee N/A
Late Fee Up to $38
Penalty APR See Terms*
Balance Transfer Fee N/A
Foreign Transaction Fee None
Return Payment Fee Up to $38

Rewards

Sign-Up Bonus

Earn 25,000 points after you spend $2,000 in 3 months.

All Purchases

1 point per dollar

No cap on spending

Gas

2 points per dollar

3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases.

Groceries

2 points per dollar

3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases.

Restaurants

2 points per dollar

3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases.

Airfare

3 points per dollar

3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases.


Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
annatrain
Approved! Perks kicked in instantly!!
by annatrain
Helpful to 15 out of 15

According to CK, had "poor" chances of getting approved. TU 672 EQF 693. I had heard that Amex uses EXP scores and I found out mine was 670. Not great, some would even say not good. But after getting one of those invitations to apply in the mail, I did some research. It seemed like Amex takes a lot of factors into consideration. And I had heard of some people with scores around 670 getting approved, while others with 700 or so getting denied. It seemed like a toss up for me bc I have 100% on time payments but 2 "baddies" on the report. With such a great sign up offer of 50k points after spending $1k, I felt like I had to go for it. Applied online and was APPROVED!! It's perfect because I was planning on a few trips in the next few months and the points from that will be amazing. Plus they have these revolving bonuses like $50 back after you spend $100 or more on Airbnb which I used immediately after getting my approval because I was booking a place for thanksgiving weekend anyway. Now I have $50 credit and am a third of the way to getting my bonus! The timing worked out beautifully for me and I could not be happier that I was given an approval with such poor odds. If you're on the fence and you have fair to good credit, I say go for it...especially if the sign up bonus is too good to turn away. By the way, I used the prequal tool on the Amex website and this card did NOT show up for me. I'm still on cloud 9 at this point. 

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
crashspeeder
Difficult to Justify
by crashspeeder
Helpful to 42 out of 52

3x Membership Rewards points on travel, 2x on gas and groceries, 1x on everything else.  It sounds pretty good!  In fact, it is.  The catch?  $175 annual fee.  That's not terrible.  The problem I have with American Express right now is that as a current American Express Blue cardholder I was deemed ineligible to receive the bonus 25,000 signup bonus Membership Rewards points.  The exclusion criteria say only charge card holders should be excluded.  That's entirely subjective, though.

 

Objectively, this card provides some good points, but not any good perks.  I applied with a 750 Experian FICO (American Express tends to pull Experian) and was instantly approved.  I have other cards with similar points schedules but better card benefits.  My Barclaycard gives me 2x points on all purchases and 10% back on points when redeemed for travel (so roughly 2.2x points) and all the World Mastercard benefits (including concierge service, a service reserved for American Express Platinum or Centurion cardholders) for a fraction of the American Express annual fee.  There's a certain prestige to the American Express Premier Rewards Gold card, but that's about as far as that goes.

 

A good card with middle-of-the-road benefits and a high annual fee.


Our Take

The Premier Rewards Gold Card from American Express is a charge card with great rewards that’s aimed at good-to-excellent credit consumers.

What to Like

There are plenty of ways to earn rewards with this card. You can earn 3x points on flights booked directly with airlines, 2x points at eligible gas stations, restaurants, and supermarkets and 1x points on other eligible purchases. There’s also a rewards bonus if you meet minimum spending requirements, no annual fee for the first year and no pre-set spending limit.

Look Out For

This is a charge card, meaning you’re required to pay your balance in full each month. There’s also a $195 annual fee after your first year and no pre-set spending limit doesn’t mean unlimited spending.

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† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from June 2016 through November 2016. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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