American Express® Gold Card

American Express® Gold Card

Overall card rating

4.4
459 Reviews
from Credit Karma members

Most helpful positive review

Jul 02, 2022
Don't blame Amex, blame CK
Credit Karma Member

Understand your credit then apply. Having a good credit score is not necessarily the only thing to get approved. Need credit age, low credit use and decent income on top of 100% payment history. Stop blaming Amex for your poor understanding of credit. I got mine and it's awesome. The card is made of metal, it's gorgeous. Got it the very next day after approval. You get a lot of card for that 250 yearly payment. This was my dream card for years. CK said I had poor approval odds and here I am looking at my card with very passionate eyes.

Helpful263
Not Helpful60
Comment11
Flag

Most helpful negative review

Dec 17, 2021
Denied
Credit Karma Member

This card showed that I had excellent chance to get approved and I was denied. I don’t know what they are looking at to tell you that you have excellent chance and then deny you.

Helpful161
Not Helpful108
Comment10
Flag


Member ratings

Application process
Customer service

All member reviews (459)

296
49
21
9
84

May 18, 2023
Got Approved
Credit Karma Member

Got approved to my surprise. 682 Experian 701 Transunion. You can prequalify and get approved before accepting the card. After accepting you'll get a hard inquiry and lose 3 points.

Helpful0
Not Helpful0
Comment0
Flag

May 15, 2023
Amazing
Credit Karma Member

Great service

Helpful0
Not Helpful0
Comment0
Flag

May 10, 2023
No rewards
Credit Karma Member

When I got,spent and paid 250$ annual fee,don’t give my rewards.

Helpful0
Not Helpful2
Comment2
Flag

May 02, 2023
pre approved before apply
Credit Karma Member

8 months working on my Score! and i got approved with 729 transunion and 728 equifax. I did the pre-approval on the American website and was approved for blue, green and gold. I decided to apply for gold which was what I always wanted to have. you will only lose point in your Score! if pre approved and accept the offer. I lost 3 points but after 10 days my Score! up 21 points. $20k spending power !

Helpful0
Not Helpful0
Comment0
Flag

Apr 23, 2023
Agree with others understand your credit first
Credit Karma Member

I don’t have it but know people that do. I had great odds of approval but wasn’t thinking but Amex has always Been a Luxury card but like me they will deny you if you don’t have a current installment loan so think of that before you apply. Yes sounds stupid to me I can’t get a card because I don’t have a loan on my car or house that’s crazy but just make sure everything perfect before you even try and do t listen to credit karma . Also go right to them no here . But if u get the card Amex will do everything for you like if u have a day flight problem tell them and they take care of calling airline everything and get it fixed .

Helpful7
Not Helpful0
Comment0
Flag

Apr 15, 2023
Outstanding approval odds
Credit Karma Member

CK said I had outstanding credit odds, so I applied. Will get my card 04/18. Never would have imagined I would get approved!!

Helpful5
Not Helpful0
Comment1
Flag

Apr 13, 2023
Thanks AmEx
Credit Karma Member

applied based on CK stating that my approval odds were outstanding. I already own a AmEx everyday card! My main concern was if applying for this card would result in a hard inquiry…(It did not! Just a little back story… years ago(2016) my then employer had given all of the managers American Express cards, however I didn’t get approved because of my poor credit. However, they were able to give an option for a secured card…fast forward, one day back in 2021. I decided to apply for TheBlue Cash Everyday Card, all the while, not believing for one second that I would get approved, but to my surprise I was approved! Then my limit was only 1K…A year and 1/2 later it is now 25K, plus I have an AMEX checking account and now a Gold card, I couldn’t be more pleased with AMEX. They gave a girl like me a chance and I’m continually improving my credit and increasing my limit. Not to mention the awesome customer service that I am always provided with. By far one of my favorite cc companies!

Helpful15
Not Helpful0
Comment1
Flag

Apr 07, 2023
Approved 4/7/23
Credit Karma Member

I got approved with my TransUnion and Experian scores. Credit karma had my score at 750 and Experian had it at 683. The process was fast by going through credit karma app which redirected me to Amex page.

Helpful6
Not Helpful0
Comment1
Flag

Apr 06, 2023
It's one of or the best card you can get
Credit Karma Member

240$ towards uber eats and grubhub and other restaurants also having incredible benefits I 100% recommend this card!!!

Helpful8
Not Helpful1
Comment0
Flag

Mar 31, 2023
Amazing, Thanks CK!!
Credit Karma Member

Credit Karma told me I had an excellence chance on approval for this card a couple months ago. However, even though I really wanted this card and had good credit on CK website I was patient and waited for my credit to actually change from Good to Excellent on this page. I followed every tool this site offered to help as far as paying down my credit cards. Every month I would leave all my cards at $0. I come from a background where at one point I had major stuff in collections so for me this was BIG!! I saw that Ck was offering me this card with 60,000 membership rewards points so I went to the actual Amex website which was actually offering 90,000 membership points. At that point I applied. The great thing was that it was a soft pull which didnt hurt my credit at all. They tell you whether you are approved or not. In my case I was approved with no spending limit. Once I opted to actually proceed with the card, they do alert you that they will forward your new Inquire to the credit Bureau. Patience is key!! Thanks to Credit Karma I have definitely master having amazing credit. I am so happy and should be receiving my Rose gold Amex in a couple of days. I hope this helps someone.

Helpful45
Not Helpful0
Comment1
Flag

1-10 of 459

See Approval Odds before you apply

We’ll estimate your chances of approval based on your credit profile. Join today — it’s free! You’ll also get:

Sign up
  • Credit scores and reports
  • Credit monitoring
  • Personalized recommendations
American Express® Gold Card

American Express® Gold Card

American Express® Gold Card

American Express® Gold Card


These ratings and reviews are provided by our users. Banks, issuers and credit card companies do not endorse or guarantee this content, are not responsible for it, and may not even be aware of it.

†† The opinions you read here come from our editorial team. Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors' opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when it’s posted.