American Express® Gold Card Review

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Our Detailed Review of This Card

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If you have good credit and are able to pay off your balance in full each month in exchange for top-of-the-line rewards and benefits, the American Express® Gold Card (a NextAdvisor advertiser) is the perfect addition to your wallet.

This card also comes with a great intro bonus of 35,000 points that you’ll earn after you use the new card to spend $4,000 on purchases in the first 3 months.

On top of that, the American Express® Gold Card can really pile up the points! You’ll earn 4X Membership Rewards points at restaurants worldwide, 4X points at U.S. supermarkets (up to $25,000/year on purchases), 3X points for flights booked directly with airlines and 1X points on other purchases. There is no limit to how many points you can earn (with the exception of U.S. supermarket purchases) and your points never expire, giving you some serious rewards potential. You can redeem your points for travel, entertainment, dining or merchandise (the minimum redemption is 5,000 points).

Additionally, cardholders can receive an airline fee credit of up to $100 per calendar year for incidentals, like baggage fees at one qualifying airline of your choice, along with up to $10 in statement credits per month (for 12 months) each month they use the card at eligible restaurants. That’s $120 in statement credits you can earn each year on top of the 4X points!

An American Express® Gold Card membership will also get you access to a number of travel perks, including preferred seating at sought-after events, car rental loss and damage insurance, baggage insurance, personalized travel service and more. When cardholders book The Hotel Collection with American Express Travel and stay at least 2 consecutive nights at participating properties, they’ll receive a $100 hotel credit to spend on qualifying dining, spa and resort activities and a room upgrade upon arrival (when available).

While the card has no foreign transaction fees, meaning it’s perfect for travelers, there is a $250 annual fee (See rates and fees). As you can tell from all of the rewards and benefits noted above, the rewards and perks easily cover the annual fee (and then some)!

This is a great card for anyone looking for a card with generous rewards whose spending habits will make the higher annual fee worth it. Want even more benefits and points in exchange for a higher annual fee? Take a look at The Platinum Card® from American Express.


  • Points have no limit or expiration date.
  • Earn 35,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 3 months.
  • 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, then 1X)
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on
  • Earn 1X points on other purchases.
  • Points are not awarded for balance transfers, cash advances or various fees and charges from American Express.

Redeem Rewards

  • Redeem points for travel, entertainment, dining or merchandise.
  • Minimum redemption of 5,000 points.
  • There are a wide variety of additional benefits and services, including early access to preferred seating at sought-after events with the Gold Card Events program.

Fees and APR

  • Annual Fee: $250
  • Purchase APR: See Rates & Fees.
  • Foreign Transaction Fee: None.
  • Late Payment Fee: Up to $40.
  • APR for Cash Advances: 25.24% Variable.
  • Penalty APR: See Rates & Fees.
  • Returned Payment Fee: Up to $40.
  • For full details, see rates and fees.
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