American Express® Gold Card Reviews

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American Express® Gold Card Reviews
Approval Odds

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4.3 out of 5 stars
82 Reviews

From Cardholders in the last year

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Application Process

4.5 out of 5 stars

Customer Service

4 out of 5 stars

4.5 5

Card Details

  • Balance Transfer Intro APR Not Applicable
  • Balance Transfer Regular APR Not Applicable
  • Annual Fee $250
  • Purchase Intro APR Not Applicable
  • Purchase Regular APR See Terms*

Most Helpful Positive Review

Feb 09, 2019
Best card for families
Familyman89 Cardholder

I rebuilt my credit over the course of 3 years waited till I was at least a 690-700 before applying for my first real credit card I did research for a couple months meaning I don’t make any kind of credit decisions lightly and wanted a card to fit my lifestyle after all my research I decided that American Express would be the best company for me with their variety of different cards and perks charge/credit cards and the fact that their point system isn’t over inflated with an absurd number of points that makes you feel like you have more value than you do they have a very well rounded point system so I decided to apply for an Amex Gold card through credit Karma because I had very good approval odds and I So I applied through the app and was approved in 5 minutes and had my card a week later after a few months with the card I have to say I absolutely love it I am a family man and feel like this is the perfect family card I spend ballpark 600-700 in groceries a month that’s 4x points per dollar and we like to eat out also that’s 4x points per dollar at restaurants so this card has substantial value for families and if you pay attention to the negative reviews about this card it is because it’s a charge card and people complain about not being able to Cary a balance and don’t like paying it off every month 1. I got this card because it’s a charge card meaning I only make purchases that I would have to make anyways month to month  groceries and eating out meaning I’m not over extending myself buying wish list items I use it and just pay the balance the next day I don’t wait for statements to come out I use it then put it back to $0 because it’s money I would spend anyway at least I’m getting rewards and points 2. The customer service has been great in app no complaints and I will be getting future credit cards with them so before you apply or use this card do yourself a favor and have a full understanding of what the difference between a charge and  card is charge cards can be a great tool to keep you from over spending month to month and not stress about carried balances growing in size and they definitely come with more rewards and perks 

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Most Helpful Negative Review

Jan 12, 2019
Points are not worth close to what you
HappywithCapOne Cardholder

I’ve tried twice to explain my huge disappointment with trying to use American Express points and my review was timed out. Short version the point can’t be used for what you think 

all travel must be booked thru American Express agents at a 4 times normal price that anyone can book on their own. I wish I could farther explain but I’ll be timed out again. 

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

Nov 08, 2019
Not bad
SamIamck Cardholder

I checked through Amex website to see if I was pre approved before a HP. It said I was pre approved so I went ahead and applied and I was approved. Great charge card with great cash back. For Amex, they pull Experian so be mindful. If CK says the approval odds are good, check your EXP report as that is they bureau they pull from. TU 740, EQ 746 EXP 670. Before know which Bureau each lender uses, I applied for so many cards which all used EXP which is why that score is significantly lower then the rest. 

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Oct 30, 2019
Undeserved cresit line decrease
Jsgagne Cardholder

I have had this card for a year and use it regularly. My initial credit limit was 2000, and over the past year I my EVERY payment ON TIME or early and always more than the minimum payment. They just decreased my credit line to 1000 for no reason! I will be paying this card off and closing it this week, this is no way yo repay loyal, responsible customers. Terrible service, very disappointed!!!

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Oct 30, 2019

This is a charge card. You do t have a credit limit per day but you do have a limit on spending power. The less you use it the less you get.

Nov 05, 2019

Review of the wrong card

Nov 08, 2019

Charge cards have no limits only spending power

Oct 13, 2019
cdrtrek Cardholder

I have both the Gold and the Platinum cards and I go no where without them. No problems whatsoever and I've been a member of Amex for 30 years plus. Great Cards. 

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Oct 17, 2019

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Oct 02, 2019
Billybobcuccio Cardholder

It’s a charge card not a credit card. You use it for things you can afford to pay for immediately . Credit cards let you get too far ahead of yourself. Spend only what you can afford and you’ll love this card. I’ve used it almost exclusively this past year. I used to use a debit card and didn’t get any points from that , plus you lose the protection of a great bank like American Express. Use it like a debit , earn points which I just use to pay down my next bill. Don’t leave home without. 

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Oct 02, 2019
EX 670 and I was instantly approved!
Ivan7849 Cardholder

In Oklahoma they pull experian. I applied for the Chase Saphyre Preferred and got denied so I went to the AMEX site even though CK had me at poor approval odds. I put my info on AMEX site and boom!!! I was approved for the 50,000 points offer after spending $2000 in the first 3 months. I was going to get a new laptop and new iPhones anyway so that was a very easy limit to get. Already making the purchases so why not use the gold card.  $250 fee is not cheap but you do get amazing perks. If you are thinking about getting the green AMEX just skip it and apply for this one. Amex customer service is top notch! Love to be part of the AMEX FAMILY! 

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Sep 06, 2019
I've been working on this.
Dukeblue2015 Cardholder

This was the card I have been wanting all along.
I finally got it and on my birthday no less.
I do have the Amex Every day card too.
Scores are eq 685, TU 671 and 701 on the other one.
680 + is what triggers the approval.

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Sep 06, 2019

Meant to add that Amex only pulls and looks at Experian.
680 is usually the minimum score for approval.

Sep 19, 2019

I was approved with a 640 FICO

Aug 28, 2019
Best Food Card
Fave23 Cardholder

Best card if you spend a lot of money on food, whether that be dining or restaurants. Can rack up a ton of points and then transfer them to travel for free.

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Aug 12, 2019
I love it!
Ali05 Cardholder

I love the customer service! 

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Aug 10, 2019
Sjackson0257 Cardholder

While there is a 250 fee, you can recieve a 120 dining credit for 4 resturants as well as anything on grubhub (10 dollars a month per year) as well as up to a 100 dollar travel reimbersment. Good customer chat service and an easy app to pay bills immediately. 

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Aug 02, 2019
best card for restaurants & bonuses
tootab Cardholder

when i was 16 i was added to my mothers blue cash preferred card, so i started building credit long before i was able to apply for a card on my own. i turned 18 and got a secured card and paid in full every month and not long after, my score was close to 700. i decided i wanted to continue my relationship with american express so i applied for the gold card after learning i was prequalified.. i was initially afraid of the 250$ annual fee but with the card member deals, and the 100$ incidental airline refund and the 120$ for restaurants, i've made back 180$ so far and i've only had the card for 4 months. i utilize the pay over time feature for charges over $100, and i would only recommend it if you are a responsible spender (also they started me off with a very small pay over time limit, and after a few months it was increased to what i was told the highest that this card can have, so i'm very grateful and lucky).

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Oct 01, 2019

Whats your limit now?

Jul 23, 2019
Best perks for a card
achunt2143 Cardholder

Annual fee is high but the perks outweigh the fee. My parents convinced me to apply and I was instantly approved. This is a charge card but can be treated like a credit card. The APR is fairly high for pay over time, but not the worst I've seen on a card. Don't get the card if you cant make the sign up bonus though. Mine was 40k points after spending $2000 in the first three months. I always get compliments on the card when I hand it to someone. I originally received it in gold but amex had the promotion again for rose gold. Gave them a call and they sent me another one!

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Jul 18, 2019
Love the rewards and benefits
SKenn Cardholder

$250 annual fee pays for itself via benefits.  Need pretty good credit. AmEx customer service is the best !

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Jul 17, 2019
kept their word!!!
terencef12 Cardholder


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Jul 18, 2019

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Jul 15, 2019
Easy, crisp, simple to use.
Topcardsonly Cardholder

This card is great once you get passed the annual fee which isn’t as bad as you think. It’s worth it in the end no doubt. Great customer service and I got approved and had my card on the way in under 10mins. If you need a referral link for the rose gold dm me @patrick_atwara

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Jul 15, 2019
Great card to use for dining/groceries

Applied for this a couple months after getting the Platinum card, got a "you're preapproved" message (despite Credit Karma rating my approval odds as only "fair") and was approved instantly with no hard pull. My FICO scores are between 792 and 835. While the Platinum is great for the 5X rewards on airline ticket purchases, it's pretty much 1X for everything else besides hotel stays purchased through AMEX travel. The value of the 4X points on groceries/dining on the Gold card for me easily justifies the annual fee. The $10/month restaurant credit is a bit too limited to be very useful to me, as is the $100/year airline incidentals credit (especially since the "gift card loophole" seems to have been recently slammed shut). Worth mentioning: literally the day after my posted charges reached the $2,000 mark (long before the first statement even closed), the sign-up bonus points were added to my account. I have never experienced anything less than outstanding customer service from AMEX reps whenver I've called them.

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Jul 12, 2019
All your wallet needs
matt2621 Cardholder

I've always been someone that likes cash back on dining and groceries as that's the bulk of my spending, as it is for many which is why I never picked up a travel card. The AMEX Gold is all 3 of those in one. 1 point per dollar, however, you get 2 points per dollar at restaurants and grocery store and then 4x. So I'm now getting 8x or 8% back per dollar when I get groceries or go out to eat. That blows any of my other cards out of the water in those categories. Also, I was hesitant about $250 a year fee, however you get $100 in airline credit (this can be triggered buyingtwo $50 gift cards on the carrier website, Delta for example), and you get $10 a month in statement credit when you order food through grubhub or seamless. That's $120 a year and super easy to do. I just order food right before I go on lunch and go pick it up. So basically, I'm getting this card for $30 a year. Well worth it.

****If you apply, go on an incognito tab and amex will sometimes give you a 50,000 bonus point offer as opposed to 35,000. This is crucial because you can only get this bonus ONE time in your life****

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Jul 20, 2019

Have you recently been reimbursed for the airline gift card? It looks like it stopped late June.

Jul 10, 2019
My everyday card!
Kviews Cardholder

Great multipliers for grocery stores and resturants! I got approved with a 738 TU and 750 EQ 743 Fico. Two missed payments, and a credit history of 3 years. Must have card for me. I only travel once or twice a year and i eat out alot, and everybody grocery shops. Makes sense for anyone over other cards out there. 

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Jul 03, 2019
Highest earning card!
ChrisHimself Cardholder

Great customer service. They have a chat system that answers questions and solves problems in minutes. I have 73k points in my second month. An economy flight to Japan via ANA is 50k points. I went from cash back to world traveller with a card application. Not to mention the flex value everybody loves looking at it and handling it. It weighs 15g whereas normal plastic cards weigh 5g. I highly recommend this card for anybody who eats or buys groceries regularly which is just about anybody. The rewards system takes some understanding and gaming but thats what makes it fun and a great value if youre clever!

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Jun 30, 2019
Mom112347 Cardholder

They treat their long times customers like crap ! No thanks American Express gold, big deal 

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Jun 28, 2019
Instant Approval
eph1984 Cardholder

Credit Karma gave me poor approval, applied on America Express website and was instantly approved. I did check to see if I am pre qualified for any offers and American Express came back with the Gold Card. Should have it in 3 to 5 days. They also gave me a digital card in the mean time until my official card arrives

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Jul 08, 2019

If u don't mind me asking how high was your before applying for this card

Jun 25, 2019
Simply Awesome

I applied for this card on 6/21/19 with Equifax and Transunion scores of 722, my credit history is 6 months old because I’m 19 and just received it today, 6/25/19. I have the Rose Gold version of this card. The rewards are phenomenal, customer service is great despite reading the bad reviews. The agents are very nice and helpful that goes without saying. The card has a great feel to it and for those wondering how to get one, you can message me on Instagram @will_dirisio The only way to get the Rose Gold Limited Edition is through referral so I will send you a link for the application, as long as your score is above 690 you should be approved in seconds. 

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Jul 21, 2019

My trans union and equifax is both over 725 but experian is 662. I have two inquiries in the past 12 months. My income is 80k. Should i apply?

Jul 23, 2019

I’m about the same ☝️. Let me know if we should apply

Aug 16, 2019

If you already have an amex card, they usually wont even do hard pull. Have the blue cash for over 2 years now, never got CLI and always denied me of it. But today i was approved for the gold card.

Aug 21, 2019

Just apply for pre approved. Got my Gold 1 week ago and love it. Just remember to pay it off on time or else........You'll figure it LoL

Jun 15, 2019
Fantastic Card
ElGuapo15 Cardholder

there's an annual fee.   250 .00   but totally worth it...  just recently earned the  40000 rewards points for spending 2000 in a 3 month period.   love this card!

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Jun 12, 2019
anachronism12 Cardholder

Great card with great benefits. A great card to obtain once you have a great credit score.

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Sample Size: 125
Data Created: February 02, 2015

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American Express® Gold Card Reviews

American Express® Gold Card

82 Reviews
Cardholders' Choice i