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
FrugalSpender16
Good for the light traveler.
by FrugalSpender16
Helpful to 80 out of 84

The card it self from an aesthetics view is nice, the gold has a good shine to it, it's not metal card like the platinum but still nice. Now as far as the points are concerned it's not to bad, 3x's with flights booked through Amex, 2x pts for dining and grocery and 1x for everything else. The card comes with an annual $195 fee, but with a yearly travel credit of $100(checked baggage, on flight purchases, etc.) and a $75 credit toward hotel credit(massages, spa treatments, room service, etc.) when you book a two night+ stay within Amex hotel collections, the fee ends up being $20 in my eyes. The reason I chose this card rather than the Amex platinum is simple, I just don't travel enough/ spend enough to even break even with the annual fee of $550, I take about 5-8 small weekend trips and maybe 2 big vacation trips a year, and even with flights, hotels, car rentals, I couldn't justify the higher annual fee to get a cool looking metal card, with a useless(for me) $200 Uber credit, I find more value gaining points for dining and groceries. Credit Karma said I had very good odds, Transunion:706 Equifax:711, have had 3 hard inquiries in the past year, utilization 0%, and no missed/late payments since 2012. To all those looking into this card please understand that this is a charge card, so when looking at credit report it will be listed in the other section, and not under credit cards. Side note, if your looking to decide which card to add as a second or primary card I would recommend looking into the CSR or CSP from Chase both similar to the Amex PRG and Platinum cards.

 

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
quincy95971
Credit Reduction Ambush
by quincy95971
Helpful to 184 out of 201

Amex, like other credit card companies, has a maximum credit limit they will let you charge (even if you're paying it off every month).  Recently, I got an email from them saying they are reducing the amount I could charge by several thousand dollars - effectively they reduced my available credit left to only a couple of hundred dollars 'available'.  While it's they're right to decide how much they want to allow me to charge, the way they did it was just unconscionable.  We were on vacation and I had assumed that I would be paying my hotel and other bills with the Amex card.  This was now impossible.  Luckily my emails are forwarded to my phone.

Fortunately (like most people and something Amex doesn't seem to realize) I had another card (not from Amex) and we were able to continue on and have a great vacation.  Amex could have said - 'starting next month you can only charge this much' but they didn't.  They just cut off you off with virtually no notice.


Now, they said my credit rating had changed.  But I checked it that day.  In fact my credit rating has improved over the last 2 years.  Plus when you're talking to the customer service person they are really no help.  They keep saying 'call the credit bureau' and the credit bureau keeps saying 'talk to Amex they made the decision'.  Also, I have been an Amex card holder for over 10 years (although just recently 'upgraded' to the new Premier Reward Gold Card) and have never had a late payment, ever.


So, I will keep the card but for the next 2 years I will reduce my use of it by 75 - 80%.  The only way I know of to penalize a financial company is to starve them of fees/revenue.  I'm under no illusion that my small amount of revenue will change their behavior.  But I thought I'd post my experience here for others to be aware of.


Bottom line - don't depend on Amex.  Always have one of their competitors cards with you so you won't be left 'high and dry' when you are away from home.  Instead of their motto being "don't leave home without us" it should be "don't count on us if you're overseas on vacation because we don't care"


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 January 2017 through June 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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