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 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 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

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
LJM07
Approval after 4 days
by LJM07
Helpful to 51 out of 53

I was just approved for this AMEX Premier Gold today, Wednesday, after submitting an online application on Sunday morning (and after having been approved for the Blue Cash Rewards $2k limit on Wednesday, a week ago).  My scores are TU 707, EX 655, EQ 673 as of right now.  I had kicked around the idea of applying for the PRG and Blue Cash at the same time, but decided to see how the traditional credit card approval went, and it was instantantly approved on that decision.  On this one, they called this morning just to confirm my address and birthdate, and then the approval (after about a minute) was finalized right on the phone.  For anyone considering applying, some factors that may be important beyond just credit scores are debt-to-income (mine is roughly $10k in student loans to $64k self-employed income), credit utilization (mine is under 5%, paid in full monthly), payment history (I do have 6 total late payments between 2012-2013, but none since).  So if I had to sum it up, I would say mid 600s Experian score, no lates in the past 24 months and no open collections (my EQ & EX reports still show some closed collections; 2 from pre-2012 and 1 in 2013).  Hope this helps.

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.

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 August 2016 through January 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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