American Express® Gold Card

Issuer

American Express

Network

American Express

Regular APR

See Pay Over Time APR

Credit Score

690 - 850 (Good - Excellent)

Rewards Rate Details

Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year. Earn 4X Membership Rewards® points when you dine at restaurants worldwide. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases). Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.

Intro Offer Details

Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Terms Apply.

Pros

• Generous dining and U.S. supermarket rewards rates (terms apply)
• Impressive welcome offer with six months to meet spending requirements
• Flexible rewards redemption options and strong transfer partners
• No foreign transaction fees
• No preset spending limit; adapts based on your purchase and credit history
• Statement credits help offset the annual fee
• Option to choose between Rose Gold or Gold Card design

Cons

• $325 annual fee, which may be difficult to justify for infrequent users of the credits and transfer partners
• Limited travel perks compared to other premium travel cards (e.g., no lounge access)
• Points are worth less than 1 cent when redeemed for statement credits
• Bonus rewards categories have spending caps and restrictions
• Fees for transferring points to certain frequent flyer programs
• Not ideal for users outside the U.S. due to limited bonus category coverage