Rose Gold is here to stay. Card Members can choose between a Gold or Rose Gold Card.
Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® Points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
Earn 3X Membership Rewards® Points on flights booked directly with airlines or on amextravel.com.
$120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
No Foreign Transaction Fees.
Annual Fee is $250.
November 25, 2021
In this article, we’ll review the American Express® Gold Card from one of our partners, American Express. We’ll highlight who the card is for, the credit score requirements, fees, key characteristics, and more.
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.
(Click on a link to jump to the specific section)
Let’s get started.
The Gold Card, from our partner American Express®, is for someone wanting to go above and beyond. With a holistic rewards program and competitive perks, this rewards card suits customers that use their card more frequently than the average spender.
As such, it’s an ideal credit card for those seeking to maximize their rewards for spending on dining, shopping, and travel.
The $250 annual fee (See Rates and Fees) might seem high at first glance, but the handsome welcome offer, perks, and rewards more than make up for it.
Spending $4,000 on eligible purchases in the first six months of card membership qualify you for 60,000 Membership Rewards® Points.
The Gold Card is often seen as the precursor to The Platinum Card® from American Express, which comes with a $695 annual fee (See Rates and Fees). If you are looking for a premium rewards card from American Express and The Platinum Card seems a bit too much, the Gold card is a solid option.
Below are some of the benefits associated with the AmEx Gold card:
Next, we'll take a closer look at the kind of credit score you need to apply for this card.
As with many cards targeting travelers and big spenders, you’ll need atleast a 'Good' credit score to receive approval for the AmEx Gold. A good score is anything above 670.
Although credit card companies factor in more than just your credit score, applying with a higher credit score will increase your approval odds and grant you better rates.
Next, let’s see what kind of fees you can expect.
Card membership costs $250 annually (See Rates and Fees).
Cash advances will cost you $10 or 5% of the cash advance, whichever is greater (See Rates and Fees).
Both, late payments and returned payments incur a penalty fee of up to $40. (See Rates and Fees)
There are no foreign transaction fee charges which make this an excellent card to carry on trips abroad. (See Rates and Fees).
Let’s look at some of the essential attributes of this AmEx card:
Below are a few alternative credit cards you can consider:
The American Express Gold Card is an excellent rewards card for anyone looking for a solid travel rewards card. The annual fee is quite modest considering the appealing rewards rate, generous welcome offer, and annual credits. (See Rates and Fees)
You can apply for this card here.
Rates and Fees for the American Express Gold Card can be found here.
Rates and Fees for The Platinum Card from American Express can be found here.