Premier Rewards Gold Card from American Express Reviews

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4.3 out of 5 stars
52 Reviews

From Cardholders in the last year

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Application Process

4.5 out of 5 stars

Customer Service

4.5 out of 5 stars

4.5 5

Card Details

  • Balance Transfer Intro APR Not Applicable
  • Balance Transfer Regular APR Not Applicable
  • Annual Fee $0 intro, $195 after first year
  • Purchase Intro APR Not Applicable
  • Purchase Regular APR Not Applicable

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.


Most Helpful Positive Review

Oct 19, 2016
Approval after 4 days
LJM07 Cardholder

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.

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Most Helpful Negative Review

Apr 20, 2014
Credit Reduction Ambush
quincy95971 Cardholder

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"

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These reviews were written by current and former cardholders in the last year.

May 16, 2017
Good for the light traveler.

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.

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1 Reply
May 17, 2017

Awesome review. TYVM. 😊

May 15, 2017
PRG is 4 Me!

This card can be worth it -- if you're a traveler. I understand, and appreciate the allure of being seen using an Amex, especially one with a precious metal in its name. Just because you would look cool, doesn't mean it's for you. The points you accumulate go to specific partners, unless you just use Amex's travel site to do your bookings. There are lots of perks and bonuses for keep your business insulated. I found lower rates at a Marriott, than what I would have paid, even as a Marriott Rewards member! So Amex Travel does have the deals -- keep in mind though that won't get you hotel points since you didn't book directly.

I kind of like the freedom of choice aspect with that too, it's kind of freeing to not be beholded to one or two chains of hotels. With the PRG card you have access to the Hotel Collection. Staying at one of those locations gives you a credit to use for hotel incedentals like room service or spa treatments, so it's worth not getting chain points IMO.

Since the fee is waived for the first year, I think it's a good start to getting into the rewards game. If you decide the $195 a year is too much, just downgrade to a fee-free or cheaper AF card.

Biggest piece of advice; DEFINITELY wait for a targeted offer. When I got mine it was 50k points after spedning $2000 in 90 days. The base offer was 25k points for $2000 in 90 days, so make sure you're getting the best offer before jumping ship.

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Apr 21, 2017
Good card and underrated.
WiseSpending Cardholder

Amex has been sending me targeted mail for this card for years because I show up on some database for traveling once or twice a year.  I usually ignore it, but I got a 50k bonus offer if I spend $2,000 in the first 90 days.  I thought I would give it a try and at least churn & burn it.  It has turned out to be a really useful credit card.  $100 airline credit (flight taxes and bagged fees), 3x Membership Rewards points on flights, and 2x Membership Rewards on restaurants/groceries/gas.  What isn't advertised heavily is 2x Membership Rewards points for hotels and cruises booked through Amextravel, $75 Hotel credit for hotels booked through Amextravel if you stay 2 nights, 2x Membership Rewards points for Uber, 2x Membership Rewards points for Airbnb, 2x Membership Rewards points for Macy's, and 2x Membership Rewards points for Bestbuy.  With all the ways to benefit, I realized this is a keeper credit card.

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Apr 21, 2017

Also the cards biggest USA transfer partners are Delta airlines and JetBlue. Both really nice airlines that will not beat you up like United Airlines.

May 10, 2017

Well, Delta will still kick your kids off...😉😁

Apr 13, 2017
Lots of points and great benefits
SoCalRoot Cardholder

Earning 1, 2, or 3x the points of AmEx's regular cards is what told me to get this card. We put everything we spend on this card and typically earn enough points to fly first class anywhere in the US once a year. The points never expire, and can be used with any airline if bought through AmEx. Add in the service from AmEx, and this becomes my go-to card whenever possible.

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Apr 05, 2017
A colorful debit
Beerus Cardholder

I've had this card for a while now and it's worthless. The only reason I haven't closed it is because it's an old account. If it wasn't then I would have in a second. Don't waste money on the annual fee or time in this. Amex is also horrendous with claims. I've had two claims ever and I still had to pay for it because they don't wanna help you. These are things I've never encountered with Discover, Capital and Etc.  So just avoid the ordeal and fact that it's a "brand name". It will never change that it's always going to be garbage; just like the benefits.

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Apr 04, 2017
just applied and approved
Aliel86 Cardholder

TU 625 EX 637

was shocked they approved me. I like that it's a charge card. I will use for fixed expenses and pay off each month. much better for me than using credit cards since I am almost done paying off all credit cards.

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Mar 28, 2017
Good card but get a better one.
jellybeans111 Cardholder

This card is good. Airline credit pays for a portion of your annual fee.  However, the Chase Sapphire card is in fierce competition with this card and the rewards and points far outweighs the AmEx card and reward system.

And, I forgot to mention the Sapphire card is beautiful and lower annual fee! Please check it out before applying for this card! Trust me. I have both. I will be canceling this card once my first year is over. :) 

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Apr 20, 2017

The lower annual fee for Chase Sapphire Preferred doesn't cover airlines taxes, luggage fees, and lounge passes. Amex's $100 airline credit does and the hotel credit of $75 also helps.

May 12, 2017

Chase has a 5/24 rule which sucks. Who doesn't have 5 pulls in 2 years? And I've only got two CC's, Macy's & Home Depot.

Mar 27, 2017
Got it 4 days after applying online

creditkarma said my chances were poor,,,I was supremely confident,so i applied was Approved,,,I did alot of reasearch for my second cc.,this one fit the bill pretty well so i went for it and got it in the mail today and ive already used it earlier in the day.. all i can say is great!!!!

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Mar 23, 2017
Just Got it
uhnie Cardholder

I received a targeted offer for this card via email. I have the Blue Cash Everyday, and the Amex Hilton also. I applied and received a 14 day message. pending review. I called the reconsideration line the next day, and had to  verifiy my identity. Instantly approved. What is strange, is that  the week before, I applied for the SPG AMEX, and was denied, because I had applied for too many "like" cards, in a short time span. The offer this card is to spend 1k in 3 months, to receive 25k bonus points, instead of spending 2k, in the same time frame.

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Mar 20, 2017
American Express premier gold card
Anonymous Cardholder

 I have a amex everyday cash about 1 months ago . I applied for the gold premier card the following week  and I got approved this is the best card you can have in your wallet with great benefits I recommend this card 110% "don't leave home without it" ...Make sure u pay all at the end of the month that will built your credit score like crazy 

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May 15, 2017

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Data Created: February 02, 2015

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Premier Rewards Gold Card from American Express

52 Reviews
Cardholders' Choice i