American Express® Gold Card application: how does it work?

Amex card can be one of the best ones in the market! You can earn travel and shopping rewards with the American Express® Gold Card! So, read on to learn about the application process!


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 to learn more.

American Express® Gold Card: the perfect card for those who like to travel and dine

American Express® Gold Card
Learn how the application for the American Express® Gold Card works. Keep reading! Source: American Express

If you’re looking for a travel and shopping rewards credit card that comes with some extra perks, the American Express® Gold Card may be a good option.


Credit Card

American Express® Gold

rewards travel

Consider the American Express® Gold Card if you want to earn travel rewards.

You will be redirected to another website

But how does the application process work, and what are the requirements? Keep reading to learn more.


Apply online

The American Express® Gold Card application starts with a pre-qualification process. Before you try to apply for one, make sure you meet the requirements:

  • You must be at least 18 years old.
  • You need to have a valid social security number.
  • You need to be an American citizen or authorized resident.
  • You ought to have at least a good score.

If you fit the profile, you are ready to pre-qualification. First, visit the American Express website and fill out the pre-qualification form.

Then you’ll have to provide some typical personal and financial information. Also, you can read the terms and conditions.

When you submit it, you’ll have a response in seconds declaring if you are approved or not to get an American Express® Gold Card.

If you do, you’ll receive a text message to download the app and manage your account.


Apply using the app

young man with mobile phone
Find out how you can use the American Express® Gold Card app. Read more! Source: Adobe Stock

When you download the American Express® Gold Card app, you can see your account and access the card’s features.

Then you will be able to order your physical card – pick the gold or pink design – and activate it to use online and in-stores in the U.S and worldwide.

Also, you can use the app to manage your account, check your balance and see rewards terms and redemption options.

The app is available to Androids and iPhones. However, you can not use it to qualify and apply for a card.

Instead, you’ll only access it with an authorized account if you are approved. If you want to apply, visit the American Express website.

American Express® Gold Card vs. Bank of America® Customized Cash Rewards credit card

If you aren’t sure about the American Express® Gold Card, look at the Bank of America® Customized Cash Rewards credit card.

This option offers up to 3% cash back for travel (you choose the category). It has no annual fee and is also a smart choice for travelers.

Below, you’ll find an overview of both cards’ features. If you decide to go with the Bank of America® Customized Cash Rewards credit card, read the article by the end of the page.

Multiple personalized credit card offers

Applying won't hurt your credit score

You will be redirected to another website

American Express® Gold Card

  • 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; and 1x point on other qualifying purchases (terms apply).

Bank of America® Customized Cash Rewards credit card

  • Credit Score: Excellent;
  • Annual Fee: $0;
  • Regular APR: 16.24% to 26.24% variable for purchases;
  • Welcome bonus: $200 online cash rewards after at least $1,000 in purchases within the first 3 months after opening the account;
  • Rewards: up to 3% cashback in an eligible category you choose; 2% cash back at grocery stores and wholesale clubs; and 1% cash back on any other purchase.
Bank of America® Customized Cash Rewards Credit Card

How to apply for Bank of America® Customized Cash

Learn how to apply for the Bank of America® Customized Cash Rewards and get yourself a credit card with a rewards program that you can tailor to your spending habits.

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.

Trending Topics


The Plum Card® from American Express review

Are you ready for this The Plum Card® from American Express review? Then read on! Pay early and enjoy 1.5% cash back!

Keep Reading

Learn how to download the Breathwrk App and manage your anxiety and stress

Learn how to quickly and easily download the Breathwrk app so you can start improving your health today! Stay tuned!

Keep Reading

Flagstar Bank Mortgage review: how does it work and is it good?

This Flagstar Bank Mortgage review will uncover all this lender's details! Options with 0% to 3% minimum down payment and affordable loans.

Keep Reading

You may also like


Target App review: shop online and enjoy discounts

Check out the Target app review to learn how it can help you save money and access exclusive discounts. Keep reading to find out more!

Keep Reading

Costco Anywhere Visa® Card by Citi application: how does it work?

Find out how to apply for a Costco Anywhere Visa® Card by Citi, who's eligible, and much more. Keep reading!

Keep Reading

Neo Financial credit card review: a better way to manage your expenses

If you've heard about the Neo Financial credit card, read this review and check if the rumors are real. This card has outstanding benefits.

Keep Reading