American Express Gold Card Review for [United States]

American Express Gold Card

The American Express Gold Card is a premium credit card designed for those who enjoy dining, travel, and earning rewards on everyday purchases. This card offers robust benefits, including 4X Membership Rewards® points on dining at restaurants worldwide and on purchases at U.S. supermarkets (up to $25,000 per year, then 1X). Additionally, cardholders can earn 3X points on flights booked directly with airlines or on amextravel.com, and 1X points on other eligible purchases.

One of the standout features of the Gold Card is the annual dining credit, which allows you to earn up to $120 in statement credits each year when you use your card at participating restaurants and food delivery services like Grubhub, The Cheesecake Factory, and more. There’s also a $120 Uber Cash benefit, offering $10 in credits monthly for Uber rides or Uber Eats orders in the U.S., further enhancing its value for those who dine out or use ride-sharing services frequently.

Beyond rewards, the American Express® Gold Card provides access to exclusive experiences and offers through Amex Offers, along with comprehensive travel and purchase protections, making it a well-rounded choice for frequent travelers and food enthusiasts alike.

For those interested in a card that combines significant rewards potential with a variety of useful perks, the American Express® Gold Card is an excellent option to consider.

American Express Gold Card Overview:

Joining Fees	Nil
Annual Fees	$325
Welcome Benefits	Earn 90,000 Membership Rewards® Points, 20% Back in Statement Credits
Foreign Transaction Fees	Nil
Balance Transfer Fees	Nil

Welcome Offer:

1. Earn 90,000 Membership Rewards® Points

You can earn 90,000 Membership Rewards® points by spending $6,000 on eligible purchases with your new American Express® Gold Card within the first 6 months of Card Membership. This offer is valid until November 6, 2024.†

2. Receive 20% Back in Statement Credits

You will receive 20% back in statement credits on eligible purchases made at restaurants worldwide during the first 6 months of Card Membership, with a maximum of $100 back. This offer is available until November 6, 2024.†

3. APR for Pay Over Time Feature

The Pay Over Time feature offers a variable APR ranging from 21.24% to 29.24% on eligible charges.¤

4. Card Design Choice

When applying for the American Express® Gold Card, you can choose from three design options: Gold, Rose Gold, or the Limited Edition White Gold design. The White Gold design is available only while supplies last. Make your selection during the application process.

Benefits of American Express Gold Card:

1. $120 Uber Cash on Gold

With your American Express® Gold Card, you can enjoy up to $120 in Uber Cash every year. To start, simply add your Gold Card to your Uber account. Each month, you’ll automatically receive $10 in Uber Cash, which can be used for Uber Eats orders or Uber rides within the United States. Additionally, you’ll earn 4X Membership Rewards® points on every Uber Eats purchase made with your Gold Card, maximizing both your rewards and your savings.‡

2. NEW $84 Dunkin’ Credit

Take advantage of the new $84 Dunkin’ Credit with your American Express® Gold Card. After enrolling, you can earn up to $7 in monthly statement credits when you use your Gold Card to make purchases at Dunkin’ locations. This benefit adds up to $84 annually, making it easier to enjoy your favorite coffee and treats throughout the year.

3. NEW $100 Resy Credit

Enhance your dining experiences with the $100 Resy Credit available to Gold Card Members. After enrolling, you can receive up to $100 in statement credits each calendar year when you use your Gold Card to pay at U.S. restaurants booked through Resy or for other eligible Resy purchases. The credit is split into two $50 increments, with the first available from January through June and the second from July through December, giving you year-round opportunities to explore and enjoy new restaurants.

4. $120 Dining Credit

Maximize your dining rewards with the $120 Dining Credit. Each month, you can earn up to $10 in statement credits when you use your Gold Card at select dining partners, including Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Over the course of a year, this benefit can save you up to $120, helping you enjoy more of your favorite meals and treats. Enrollment is required to access this benefit.

5. The Hotel Collection

When you book a stay of two nights or more through AmexTravel.com at one of the over 1,000 upscale properties in The Hotel Collection, you’ll receive a $100 experience or property credit. This credit can be used for eligible dining, spa, or resort activities, enhancing your stay with personalized experiences. The exact use of the credit may vary depending on the property, offering you tailored luxury during your travels.

6. Earn More with Amex Offers

Amex Offers allows you to earn additional rewards on purchases from a variety of brands. As a Gold Card Member, you can browse and add offers to your eligible Card and earn extra rewards or savings on qualifying purchases. This feature helps you get more value from your everyday spending, whether it’s on dining, shopping, travel, or other categories you love.

Reward Points :

1. Earn 90,000 Membership Rewards® Points

When you spend $6,000 on eligible purchases within the first 6 months of your American Express® Gold Card membership, you’ll earn 90,000 Membership Rewards® points. This offer is available until November 6, 2024, so take advantage of it to maximize your rewards.

2. Earn 4X Points at Restaurants Worldwide

You can earn 4X Membership Rewards® points on dining at restaurants worldwide, up to $50,000 in purchases per calendar year. This benefit allows you to accumulate points quickly while enjoying meals at your favorite dining spots around the globe.

3. Earn 4X Points at U.S. Supermarkets

With your American Express® Gold Card, you will earn 4X Membership Rewards® points on purchases made at U.S. supermarkets, up to $25,000 per calendar year. After reaching this limit, you’ll continue to earn 1X points on additional supermarket purchases for the remainder of the year.

4. Earn 3X Membership Rewards® Points on Flights

Earn 3X Membership Rewards® points on flights booked directly with airlines or through AmexTravel.com. This benefit enhances your travel rewards, allowing you to earn more points on your flight bookings.

5. Earn 2X Membership Rewards® Points on Prepaid Hotels and Travel

When you book prepaid hotels and other eligible travel, such as car rentals, vacation packages, and cruises, through AmexTravel.com, you’ll earn 2X Membership Rewards® points. This feature is designed to help you earn additional rewards on your travel expenses.

6. Earn 1X Points on Other Eligible Purchases

For all other eligible purchases made with your American Express® Gold Card, you will earn 1X Membership Rewards® points. Terms and limitations apply.

More Benefits of American Express Gold Card

1. Dining Benefits

a) Earn 4X Points at Restaurants Worldwide

With the American Express® Gold Card, you can earn 4X Membership Rewards® points when you dine at restaurants around the globe. This benefit applies to up to $50,000 in purchases per calendar year, allowing you to accumulate a significant number of points while enjoying meals at your favorite dining establishments.

b) Earn 4X Points at U.S. Supermarkets

When you use your American Express® Gold Card at U.S. supermarkets, you will earn 4X Membership Rewards® points on up to $25,000 in purchases each calendar year. Once you reach this threshold, you will continue to earn 1X points on supermarket purchases for the remainder of the year.

c) $120 Uber Cash on Gold

By adding your American Express® Gold Card to your Uber account, you can enjoy up to $120 in Uber Cash each year. You’ll automatically receive $10 in Uber Cash every month, which can be used for Uber Eats orders or Uber rides within the United States. Additionally, you will earn 4X Membership Rewards® points on every Uber Eats purchase made with your Gold Card, maximizing both your rewards and savings.

d) NEW $84 Dunkin’ Credit

The American Express® Gold Card now offers an $84 Dunkin’ Credit, allowing you to earn up to $7 in monthly statement credits when you use your card at Dunkin’ locations. To take advantage of this benefit, you must enroll your Gold Card, and then use it for purchases at Dunkin’ each month.

e) NEW $100 Resy Credit

With the new $100 Resy Credit, you can explore and book your favorite restaurants through Resy while enjoying up to $100 in statement credits each calendar year. You can earn up to $50 in credits between January and June, and another $50 between July and December when you use your American Express® Gold Card at U.S. Resy restaurants or for other eligible Resy purchases. Enrollment through your Card Account is required to activate this benefit.

f) $120 Dining Credit

Maximize your dining savings with the $120 Dining Credit provided by the American Express® Gold Card. You can earn up to $10 in statement credits each month when you use your Gold Card at participating dining partners. Over the course of a year, this can add up to $120 in savings. Enrollment is required to activate this offer.

g) Earn 1X Points on Other Eligible Purchases

For all other eligible purchases made with your American Express® Gold Card, you will earn 1X Membership Rewards® points. Terms and limitations apply.

These benefits make the American Express® Gold Card an excellent choice for those who want to maximize their rewards across various spending categories, particularly in dining and travel.

2. Travel Benefits

a) 3X Membership Rewards® Points

With the American Express® Gold Card, you can earn 3X Membership Rewards® points on flights booked directly with airlines or through AmexTravel.com. This feature makes the Gold Card a great choice for frequent flyers looking to maximize their points on travel purchases.

b) Earn 2X Membership Rewards® Points

When you book prepaid hotels and other eligible travel, such as prepaid car rentals, vacation packages, and cruises, through AmexTravel.com, you will earn 2X Membership Rewards® points. This allows you to accumulate additional points while planning your trips, making your travel experiences even more rewarding.

c) $120 Uber Cash on Gold

By linking your American Express® Gold Card to your Uber account, you can enjoy up to $120 in Uber Cash annually. Each month, you will automatically receive $10 in Uber Cash, which can be used for Uber Eats orders or Uber rides within the U.S. Plus, you’ll earn 4X Membership Rewards® points on every Uber Eats purchase made with your Gold Card, giving you even more value from your dining and transportation expenses.

d) The Hotel Collection

Book two or more nights through The Hotel Collection on AmexTravel.com with your American Express® Gold Card, and receive a $100 experience or property credit at over 1,000 upscale hotels worldwide. This credit can be used for qualifying activities like dining, spa treatments, or resort amenities during your stay, making your travel more luxurious and enjoyable. The exact benefits may vary by property.

e) No Foreign Transaction Fees

Travel abroad without worrying about extra charges, as the American Express® Gold Card comes with no foreign transaction fees. This feature ensures that you can use your card globally without incurring additional costs on international purchases, allowing you to save money while enjoying your trips.

f) Global Assist® Hotline

Whenever you travel more than 100 miles from home, the Global Assist® Hotline provides 24/7 emergency assistance and coordination services. Whether you need medical and legal referrals, emergency cash wires, or help with missing luggage, this service is available to support you. Card Members are responsible for any costs charged by third-party service providers. Other terms and conditions apply, so it’s important to understand the full scope of coverage before relying on this benefit.

g) Baggage Insurance Plan

Travel with greater peace of mind knowing that your baggage can be covered for loss, damage, or theft when you purchase the entire fare for a common carrier ticket (e.g., plane, train, ship, or bus) using your American Express® Gold Card. Coverage includes up to $1,250 for carry-on baggage and up to $500 for checked baggage, supplementing any coverage provided by the carrier. For New York State residents, the aggregate maximum limit is $10,000 per covered trip. Be sure to review the important exclusions and restrictions that apply.

h) Car Rental Loss and Damage Insurance

When you rent a car using your American Express® Gold Card, you can be covered for damage to or theft of the rental vehicle by declining the collision damage waiver (CDW) at the rental counter. This coverage applies in most countries, though not in Australia, Italy, and New Zealand, and does not include liability coverage. It provides secondary coverage, which means it kicks in after any other applicable insurance. Please check the full terms for important exclusions and restrictions, as not all vehicle types or rentals are covered.

i) Pay with Points

With Membership Rewards® points, you can pay for all or part of your flights and prepaid hotels booked through AmexTravel.com. This flexible feature allows you to use your points to cover travel costs, making your trips more affordable and allowing you to enjoy the rewards you’ve earned through your spending.

These features and benefits make the American Express® Gold Card a comprehensive and rewarding option for those who frequently travel, dine out, and seek to maximize their everyday spending.

3. Shopping & Entertainment Benefits

a) Amex Offers

With Amex Offers, you can unlock additional rewards and savings on qualifying purchases just by adding offers to your eligible American Express® Card. Whether you’re shopping in-store or online, simply browse the available offers in the American Express® App, add them to your card, and start earning rewards when you make qualifying purchases. This feature allows you to customize your rewards experience based on your spending habits and favorite brands, making it easier to get more value out of your card.

b) Events with Amex™

When you have an American Express® Card, you gain access to exclusive experiences and events that help you create unforgettable memories. Card Members enjoy special ticket access and presales to some of the most sought-after events in sports, music, theater, and more. Additionally, at select events, you can take advantage of unique benefits like Amex Fan Experiences, exclusive merchandise, and special offers. This is all part of the broader Amex Experiences program, which enhances your access to extraordinary moments. To discover more and explore these benefits, visit American Express Experiences. While supplies last; not all seats may be offered.

c) Purchase Protection

Life can be unpredictable, but with Purchase Protection from American Express, you have added security for your purchases. If an item bought with your eligible Amex Card is accidentally damaged, stolen, or lost within 90 days of purchase, you can be covered for up to $10,000 per Covered Purchase, with a maximum of $50,000 per calendar year. This coverage gives you peace of mind, knowing that your important purchases are protected against the unexpected.**

d) Extended Warranty

When you use your American Express® Card to make a purchase, you can benefit from Extended Warranty protection, which extends the Original Manufacturer’s Warranty by up to one extra year. This applies to warranties of five years or less and covers up to the amount charged to your card, with a maximum of $10,000 per item and $50,000 per Card Member account per calendar year. This feature helps you protect your investments by extending the coverage period, giving you confidence in your long-term purchases. Please review the terms and conditions for important exclusions and restrictions.

Rate, Fees & Interest charges

Annual Percentage Rate (APR)	21.24% to 29.24%
APR for Cash Advances	29.99%
Pay Over Time	29.99%
Annual Membership Fee	$325
Cash Advance	Either $10 or 5%
Foreign Transaction	None
Late Payment	Upto $40
Returned Payment	Upto $40

Other Services:

1) Send & Split®

Send & Split® is a feature within the American Express® App that enhances your ability to send money and split purchases with Venmo or PayPal users. It offers the flexibility to pay friends without incurring the standard Venmo or PayPal credit card fee, giving you more control over your transactions. Additionally, when you split purchases made with your Amex Card, you can receive payments directly back to your Card as a statement credit. The best part is that you continue to earn rewards for the entire purchase, even when you split it. Enrollment is required, and terms apply.

2) Card Member Services

Whenever you need assistance, the American Express Member Services team is available 24/7 to ensure that you are taken care of. Whether you need help with lost card replacement, have questions about your statement, or require any other support, our team is here to assist you, offering peace of mind and reliable service whenever you need it.

3) American Express® App

The American Express® App allows you to unlock the full potential of your Membership. With this app, you can discover nearby offers, explore your rewards, receive fraud alerts, and manage your account from virtually anywhere. It’s a powerful tool that helps you stay in control of your finances while maximizing the benefits of your American Express Card.

4) Year-End Summary

The Online Year-End Summary is a helpful tool that provides a detailed summary of all charges posted to your account from January 1st through December 31st of the previous year. Typically available in January, this summary helps you track your spending and manage your finances by offering a clear overview of your annual expenses.

5) Additional Cards

You can easily add Additional Card Members to your account, allowing them to enjoy the benefits of your American Express® Gold Card. For every purchase they make, you can earn Membership Rewards® points in the same way you do on your own purchases. This feature enables you to maximize your rewards while sharing the benefits with family or trusted individuals.

6) Plan It®

With Plan It®, you have the flexibility to split purchases of $100 or more into equal monthly installments with a fixed fee. This buy-now-pay-later option helps you manage larger expenses without the pressure of paying the full amount upfront. You can select the purchase in your online account or through the American Express App to view and choose your plan options. Plus, you’ll continue to earn rewards on these purchases just as you normally would, making it a convenient and rewarding way to handle your spending.

Frequently Asked Questions: