Advertiser Disclosure

DollarGeek strives to provide you the utmost clarity on your personal finances. We look to provide you with as many resources as possible to make the best financial decisions, but our website does not present every financial company or product available on the market. Many of the offers that appear on the website are companies from which DollarGeek receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear) but it in no way affects our recommendations or advice, which are formulated through countless of hours of research. Please view our advertising policy page for more information.

Our team works hard to keep our rates and products up to date, but we do not guarantee any rates or terms on the website. The rates and terms you see on DollarGeek may be different than what you see on the providers website at any given time. Rates can also differ from your final rate and terms, which is based on a variety of factors such as your credit score and what the lender or financial services provider seeks fit.

Editorial Note: Opinions expressed here on DollarGeek’s website are ours alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

DOLLARGEEK
  • Credit Cards
    • Best Of 2021
    • Best Credit Cards Offers of 2021
    • Best Rewards Cards
    • Best Travel Cards
    • Best Cash Back Cards
    • Best Balance Transfer Cards
    • Best Airline Cards
    • Best Cards for Students
    • Best Cards for Business
  • Student Loans
    • Best Of 2021
    • Student Loan Refinancing Lenders
    • Private Student Loan Lenders
    • GUIDES
    • Refinancing Your Student Loan – Ultimate Guide
    • Private Student Loans: Everything You Need To Know
    • Consolidation vs. Refinancing
    • Parent PLUS Loans
    • Reviews
    • CommonBond
    • Ascent
    • LendKey
    • SoFi
  • Loans
    • Compare
    • Best Personal Loans
    • Best Small Business Loans
    • Best Auto Loans
    • Best Bad Credit Loans
    • Tools
    • Personal Loan Calculator
    • Student Loan Refinancing Calculator
    • Credit Card Consolidation Calculator
    • Mortgage PITI Calculator
  • Banking
    • Best Of 2021
    • Best Checking Accounts
    • Best Savings Accounts
    • Best Money Market Accounts
    • Best CD Rates
    • Best Prepaid Debit Cards
    • Guides
    • What Is a Savings Account?
    • Opening A Checking Account
  • Investing
    • Best Of 2021
    • Best Online Brokers For Stock Trading
    • Best Robo-Advisors
    • Best IRA Providers
    • Best Roth IRA Providers
    • Best 401K Rollover IRAs
    • Guides
    • What is a Roth IRA?
    • How To Open A Brokerage Account
  • Calculators
Introducing

American Express® Gold Card

American Express® Gold Card

DollarGeek Rating:

(4.6/5)
Apply Now
on American Express's website
All details on the American Express Reserve® has been collected by DollarGeek to help consumers better compare credit cards. The financial institution did not provide the details. The information may change and is not guaranteed.

Fees & APRs

Fees and APRs will vary, always be sure to check with the card issuer.

Annual Fee $250 per year
Balance Transfer Fee N/A
Purchase Intro APR N/A
Transfer Intro APR N/A
Regular APR 100% - 100%

Rewards

Dive into the geeky details and see how you reap the benefits.

  • 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 on Restaurants worldwide, including takeout and delivery, plus, earn 4X points for Uber Eats purchases too.
  • Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • $120 Uber Cash: 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.
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • Terms Apply.

Geeky Insight

Read through our extensive research on the American Express® Gold Card and see if its the best credit card for you.

The American Express Gold Card is the ultimate credit card for foodies and travelers. This card will give you 4 points per $1 spent at restaurants worldwide, 4 points per $1 at U.S. supermarkets (up to $25,000 spent per year), and 3 points per $1 spent on flights booked directly through airlines or through amextravel.com. All other purchases made on this card will get you 1 point per $1 spent. Cardholders can take advantage of these rewards bonuses each year so whether you’re cooking at home, going out to eat or want loaded travel perks, the American Express Gold Card should be at the top of your list.

The Amex Gold card will give you $100 per year in statement credits for fees charged by airlines and up to $120 in credits each year for dining purchases from partners like Grubhub and Seamless. Also, as an intro bonus, if you spend $4,000 within three months of opening the American Express Gold card, you’ll receive 35,000 points.

The Amex Gold Card has an annual fee of $250. If you take advantage of all the rewards and perks the annual price can be justified. Check out our summary on the Amex Gold Card below, we will highlight the pros and cons.

American Express Gold Card Review Highlights:

  • Annual Fee: With a $250 annual fee, the Amex Gold could still be worth it to cardholders that will use the card’s rewards and other perks each year.
  • Initial Bonus: 35,000 points for spending $4,000 within three months. That’s worth roughly $300, depending on how you redeem.
  • Airline Fee Credits: Up to $100 per year from one airline. You get to choose your airline when you open an account, and you’ll have the opportunity to switch each January.
  • Dining Credits: Get up to $10 per month ($120 per year) with eligible dining partners like Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations.
  • Restaurant Rewards: Get 4 points per $1 at restaurants worldwide. This is one of the highest earning rates available from a credit card for restaurant purchases.
  • Rewards on Groceries: Get 4 points per $1 at U.S. supermarkets (up to $25,000 spent per year, then 1 point per $1). The average person spends just north of $4,100 per year on groceries, according to the Bureau of Labor Statistics.
  • Airfare Rewards: 3 points per $1 spent on flights booked directly with airlines or on amextravel.com. So, if you’re into shopping around for flights on third party websites you’ll have to change your ways to get airfare rewards with this card.
  • No Foreign Transaction Fee: Travel at ease with no foreign transaction fees.
  • “Pay Over Time” Feature: $100+ purchases are eligible to be paid down over an extended period, for a fixed fee. Amex must approve transactions for Pay Over Time status.
  • Good or Excellent Credit Needed: For high approval odds, you’ll want a credit score of 700 or higher.

The bottom line: The American Express Gold Card is one of the best cards for food lovers and travelers. The annual fee can be easily justified if you do the bulk of your spending on food and travel, and take advantage of the yearly statement credits.

Additional Information

Spend some time reviewing the last details on the American Express® Gold Card.

  • Max Late Fee $40
  • Max Overlimitfee Not Applicable
  • Max Penalty Apr See Rates & Fees
  • Grace Period 25 days
  • Online Response Yes
  • Cash Advanceapr 25.24% (V)
  • Cash Advancefee 5% (min $10)
  • Foreigntransaction Fee 0%
  • Smart Chip Yes, chip-and-PIN
  • Rose Gold is back. You can now choose between Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • This American Express Card has no preset spending limit, giving you purchasing power that adjusts with your use of the card. No preset spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors including spending patterns, your payment history, your credit history, and financial resources known to us.

Related Credit Cards:

If you are interested in the American Express Credit Card, check out the following credit cards as well:

Discover it® Miles
Petal 1 Visa® Credit Card
Capital One® SavorOne® Cash Rewards Credit Card
HSBC Premier World Elite Mastercard® Credit Card

DollarGeek serves as an independent comparison service. Our team works hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.

Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (such as the order in which they appear and where they are on the page). The team at DollarGeek tries to present a wide array of offers, but our offers do not represent all financial services companies or products.

Regardless of whether an offering institution is a paid advertiser, the presence of offer information on DollarGeek does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.

Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not issuer’s responsibility to ensure all posts and/or questions are answered.

Last Updated: Mar 17th, 2020 at 03:08 PT

Get the latest offers directly to your inbox.

Don’t worry, it’s only for the important stuff.

Categories

Student Loans

Credit Cards

Loans

Banking

Investing

Features

Calculators

Write Ups

Company

About

Advertising Disclosure

Privacy Policy

Terms Of Use

Follow Us

Twitter Linkedin-in

DollarGeek is powered by 256-bit encryption.

© 2022 DollarGeek. All Rights Reserved.

Disclaimer: DollarGeek has an advertising relationship with some of the offers included on this page. However, the rankings and listings of our reviews, tools and all other content are based on objective and independent analysis. If you’d like more information please check out our full Advertising Disclosure. We make efforts to present the best possible deals available to the general public, but we make no warranty that such information represents all available and existing products. DollarGeek strives to keep its information accurate and up to date, but makes no guarantee. The information in our reviews could be different from what you find when visiting a financial institution, service provider or a specific product’s website. All products are presented without warranty.

Geeky Assistance

Find the Best Credit Card by Category

  • Best Cards of 2020
  • Rewards Cards
  • Travel Cards
  • Cash Back Cards
  • Balance Transfer Cards
  • Airline Cards
  • Student Cards
  • Business Cards

Use Our Calculators

  • Student Loan Monthly Payment Calculator
  • Student Loan Refinancing Calculator
  • Student Loan Prepayment Calculator
  • Interest Calculator

Read What's Trending on Dollargeek

  • The Ultimate Guide to Buying a Home
  • What You Need to Know About Federal Student Loans
  • Is The 10-Year Standard Repayment Plan The Best Repayment Option?
  • How Your Discretionary Income Can Help You Save on Your Student Loans

Search for a credit card by name

Geeky Assistance
See how much you'll earn in interest with a high-yield saving account

How much will you deposit into your savings account?

$

What is the APY on the savings account?

%

You can expect to earn this much in interest:

$338