American Express® Gold Card

Apply by phone: 1-800-297-6700
  • Get the American Express® Gold Card in Limited Edition Rose Gold, only available until 1/9/2019.
  • Receive 20% back as a statement credit at U.S. Restaurants within the first 3 months, up to $100 back. Offer available to new Card Members who apply by 1/9/2019.
  • Plus, earn 25,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new card within the first 3 months.
  • Earn 4X Membership Rewards® points at US restaurants. Earn 4X Membership Rewards® points at US supermarkets (on up to $25,000 per year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • Earn up to $10 in statement credits monthly when you pay with the Gold Card at participating dining partners. Enrollment required.
  • $100 Airline Fee Credit: up to $100 in statement credits per year for incidental fees at one selected airline.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
Annual Fee:
$250
Purchase Intro APR:
N/A
Purchase Regular APR:
See Terms*
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
N/A

Details, Rates & Fees

Click here for Additional Details

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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

Welcome Bonus

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

All Purchases

1 point per dollar

No cap on spending

Groceries

4 points per dollar

4X points at US supermarkets, on up to $25,000 per year in purchase then 1X

Restaurants

4 points per dollar

4X points at US restaurants

Airfare

3 points per dollar

3X points for flights booked directly with airlines or on amextravel.com.


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
JohnnBe
Approved Instantly! FICO EXP 659!
by JohnnBe
Helpful to 119 out of 125

A month later after acquiring the CSR card at 624 FICO. I was able to pay off a few credit cards and increased my score to 659 and was pre-qualified for the PRG.

It is possible to acquire the PRG and CSR with a low score, but the rest of your credit portfolio must look good.

 

 

TU:695 CK

EQ:699 CK

EXP:659 FICO

0 Derog

3% Utilization

94% Payments (No late payments in the last 5-6 years)

AAoA: 9 Years

27 Open Account

90k Income.

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
KateNYC
Not the best rewards
by KateNYC
Helpful to 34 out of 38

It took a long time for my bonus rewards to arrive.  Even when they did, it hardly translated to any decent hotels when I tried to use it.  Most high-end hotels require over 50,000 points PER NIGHT.  You'd have to spend 5K or more on this card every month to make the rewards worth it.  Chase Reserve still gives the best rewards for your buck.  And to be clear, I travel, at a minimum, 3 times per year (both domestic and international), and still do not spend enough to make these rewards in this card worth it for me.  I wish I could just close it, but I don't want the dent on my credit score.


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‡ 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 April 2018 through September 2018. 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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