Credit Cards

American Express® Gold Card Review: earn rewards when traveling and at restaurants

Consider the American Express® Gold Card review to a breakdown of the pros and cons, so you can make the best decision for your needs. Keep reading!

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by Suzana Brito

08/11/2022 | Updated on 03/24/2023

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

American Express® Gold Card: is it worth the $250 annual fee? 

American Express® Gold Card
Find out how the American Express® Gold Card works. Read more! Source: American Express

If you’re a foodie who loves to travel, the American Express® Gold Card review post is perfect for you.

With this card, you’ll earn rewards for dining at restaurants, shopping, and traveling. Also, you will pay no foreign transaction fees (see rates and fees).

American Express® Gold Card

How to apply for American Express® Gold Card

If you need a card to earn travel and shopping rewards, read on and learn about the application process for the American Express® Gold Card!

So, if you’re looking for a card to help you make the most of your culinary adventures, the American Express® Gold Card is definitely worth considering.

Learn more in our review below.

  • Credit Score: Good/ Excellent;
  • Annual Fee: $250 (see rates and fees);
  • Regular APR: 20.74% to 28.74% variable APR for Pay Over Time features; and 29.99% variable for cash advances (see rates and fees);
  • Welcome bonus: 60,000 Membership Rewards® Points if you spend $4,000 with this card in the first 6 months (terms apply);
  • Rewards: 4x points at worldwide restaurants and delivery in the U.S.; 4x points at U.S. supermarkets (up to $25,000 in purchases/year) (terms apply);
  • Other rewards: 3x points on flights booked through airlines or on amextravel.com; and 1x point on other qualifying purchases (terms apply).

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American Express® Gold Card: how does it work?

How it Works? Written on Blue Key of Metallic Keyboard. Finger pressing key.
Learn about the advantages of having an American Express® Gold Card. Read on! Source: Adobe Stock

American Express® Gold Card is a credit card full of benefits and rewards. But are these enough to cover the $250 annual fee? Let’s see how this card works so that you can decide.

The advantages of this card go especially for dining at restaurants, travel, and everyday purchases.

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1. Dining at restaurants

First, you can earn 4x points for dining at restaurants worldwide. Also, takeout, supermarkets ($25,000 per calendar year in purchases), and delivery in the U.S and around the globe.

In addition, you can earn 1 point for other eligible purchases and enjoy up to $10 monthly in Uber Cash to use in Uber rides and UberEats orders.

Finally, you can use your card payments to earn monthly up to $10 statement credit at stores such as Shake Shack and The Cheesecake Factory.

2. Travel

Second, you can earn 3X Membership Rewards® points on flights booked with amextravel.com or directly with the airlines.

Plus, you can earn a $100 credit to delight when you book a hotel with American Express Travel.

Also, you won’t pay any foreign transaction fees (see fees and rates) with an American Express® Gold Card.

Still, you can have 24/7 travel emergency assistance with the Global Assist® Hotline. You can also opt for a baggage and car rental loss and damage insurance plan.

Plus, you can pay for your trips with points, covering part of your flights or prepaid hotels. Make sure you see the terms.

At last, you should consider the fees, which, except for the annual, are average-priced: 20.74% to 28.74% variable APR for Pay Over Time features; and 29.99% variable for cash advances (see rates and fees);

Multiple personalized credit card offers

Applying won't hurt your credit score

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American Express® Gold Card: should you get one?

Review the pros and cons of the American Express® Gold Card and decide if you should get one.

Pros

  • Earn up to 60,000 Membership Rewards® Points as a welcome bonus after $4,000 spent with the card in the first six months (current offer);
  • 4x points for dining at restaurants and traveling (see terms);
  • Earn rewards for travel, dining at restaurants, and everyday purchases.

Cons

  • Expensive annual fee;
  • Only the best scores can apply.

Credit score required

To apply for an American Express® Gold Card, you must have good to excellent credit.

American Express® Gold Card application: how to do it?

If you like the American Express® Gold Card review, keep reading to learn how to apply for one. Read more!

American Express® Gold Card

How to apply for American Express® Gold Card

If you need a card to earn travel and shopping rewards, read on and learn about the application process for the American Express® Gold Card!

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

About the author

Suzana Brito

I'm a Language Studies graduate and have always been interested in writing and sharing knowledge. By creating content about finances and related products, I believe in contributing to people achieving financial freedom and their goals in life.

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