Premier Rewards Gold Card from American Express

Cardholders' Choice i
Cardholders' Choice i
Apply by phone: 1-800-297-6700
  • Earn 25,000 Membership Rewards® Points after you use your new Card to make $2,000 in purchases within the first 3 months.
  • Terms 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 Foreign Transaction Fees. 
  • $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. 
  • $0 Intro Annual Fee for the 1st 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 intro, $195 after first year
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 N/A
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

2X points at US restaurants, US gas stations, and US supermarkets.

Groceries

2 points per dollar

2X points at US restaurants, US gas stations, and US supermarkets.

Restaurants

2 points per dollar

2X points at US restaurants, US gas stations, and US supermarkets.

Airfare

3 points per dollar

3X points for flights booked directly with airlines.


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
nola2017
AMEX is the only way to go.
by nola2017
Helpful to 62 out of 66

So about two weeks ago I took a chace on applying for a Blue Cash Everyday card and was approved much to my shock. It's been a long road to rebuilding my credit so it was exciting to be approved for an American Express, a card i've always held in high regard. I then logged into CK and saw that my approval odds were very good for a Delta Skymiles Gold card with AMEX.. so i took a chance and applied for that and was approved. I got home work the same day and came home to a mail in prescreened offer for the Amex Gold PR and decided since i'm on a roll why not? I applied via phone and kept the representative on the line for almost one hour with tons of questions. By the end of the call i was so pleased with how entusiastic and well versed the representative Christian was that I decided to pull the trigger. I was approved instantly 3 cards in 2 weeks with AMEX after years of not even being able to secure the worst cards like Credit One and First premier bank. at the time of application for all 3 my scores were as follows: TU 701 EX 700 EQ 692 ... no collections, no missed payments, WF Secure Platinum Card, and Capital One QuickSilver One. 

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 58 out of 74

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.

Similar Offers

† 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 October 2016 through March 2017. 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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