American Express® Gold Card Review

Best for: frequent travelers who need maximum travel benefits

The American Express Gold Card comes packed with features that can help you save on purchases and protect the things you buy. Frequent travelers already know the Gold Card offers great travel discounts and protections, but you might be surprised by features that can reward you and your family every day.

The basics of the American Express® Gold Card 

  • Annual Percentage Rate (APR) for Purchases: 20.49%. 
  • Annual Membership Fee: $250
  • Rewards Rates: Four points per dollar at restaurants worldwide, and U.S. supermarkets (on up to $25,000 in purchases per year), three points per dollar on flights booked directly with airlines of amextravel.com and one point per dollar on all other purchases
  • Introductory Offer: New cardholders can earn 35,000 rewards points if they make $2,000 in eligible purchases within the first three months of the contract approval date. 

The Amex Gold Card’s standout features

  • Enjoy a $100 annual airline fee credit for incidental charges such as inflight meals on one qualifying airline of your choice.
  • Use the Gold Card to make purchases overseas and pay no foreign transaction fees.
  • For eligible purchases of $100 or more, the Gold Card allows you to carry a balance. Interest charges apply.
  • Call American Express’ Personalized Travel Service and let someone else handle arrangements such as flight reservations, hotel accommodation and ground transportation. Fees apply for airline reservations.
  • Global Assist Hotline, baggage insurance, roadside assistance, rental car insurance and travel insurance benefits are world class perks.
  • The purchase protection feature can pay to replace damaged, lost or stolen property purchased with the Gold Card. 
  • Use the Gold Card to buy eligible items and extend the manufacturer’s original warranty for up to two years. Exclusions and restrictions apply to some goods and to residents of some locations.

Best way to use the American Express® Gold Card

Use the American Express Gold Card to pay for all your travel expenses. Take advantage of The Hotel Collection and The Travel Collection benefits to receive discounts and credits on activities such as snowboarding and jet skiing. While you are away, look for participating restaurants to cash in on the Gold Card’s dining credit feature and check your American Express phone app for Amex Offers deals for gifts and souvenirs. 

Traveling is always stressful, and emergencies sometimes happen when you are away from home. With the Gold Card’s roadside assistance, Global Assist Hotline, rental car insurance and lost baggage benefits, you can rest easier knowing you have protections if calamity strikes.

At home, use your Gold Card every time you buy groceries to rack up serious rewards points. Use the Gold Card to buy the latest cellphone and utilize the purchase protection benefit if you drop it in the lake. With the Gold Card you can enjoy premium seating when your favorite Broadway musical comes to town and treat the family to pizza after the show for quadruple rewards points.

In a nutshell

The American Express Gold Card is a frequent traveler’s dream come true. It provides higher coverage than other credit cards do on lost luggage reimbursement and purchase protection. Features like the Global Assist Hotline and Personalized Travel Service provide a level of service that other credit cards cannot match.

The Gold Card’s triple and quadruple points feature beats the competition by enabling you to rake in rewards points for common expenses like shopping for groceries, family dinners and weekend getaways. And with ShopRunner membership, you can save on shipping when shopping at participating stores across the nation, a feature not offered by other credit cards.

Overall, American Express has designed the Gold Card with thoughtful features that satisfy the needs of families and busy professionals when they are home and away. If you travel often for work or pleasure, enjoy dining out and attending events, you can reap loads of rewards with the American Express Gold Card.

Michael Evans

Financial writer and author of Escape to Colombia, a comprehensive guide to retiring to Colombia

Michael and his family divide their time between homes in Northern California and Colombia. When not working, Michael enjoys travel, photography and playing with his cat, Cyndi Lou.