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American Express® Gold Card review: Travel & Dining
Read this American Express® Gold Card review and learn about this card's flexible dining and travel benefits.
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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
Partner Offer through CreditCards.com
Enjoy rich rewards, dining credits, travel benefits, and more with the American Express® Gold Card
Premium travel rewards, dining credits, and flexible points system with exclusive access to events and experiences. Here is our American Express® Gold Card review
How to get your American Express® Gold Card
In this American Express® Gold Card application guide we will show you how to get this card that gives you dining and travel benefits.
- Credit Score: Good to Excellent.
- APR: Varies based on market rate.
- Annual Fee: $250.
- Fees: None for foreign transactions.
- Welcome Bonus: Earn up to 60,000 Membership Rewards® points.
- Rewards: 4x points at U.S. restaurants, 4x points at U.S. supermarkets (up to $25,000/yr), 3x points on flights booked directly with airlines or through Amex Travel.
Luxury travel rewards card for those who want flexible dining and travel benefits, with a high annual fee. Read on and learn all you need to know.
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American Express® Gold Card: how does it work?
The American Express Gold Card is a mid-range option for earning American Express Membership Rewards points.
The card offers 4 Membership Rewards points per dollar spent on dining and delivery, and 4 points per dollar at U.S. supermarkets. It also offers 3 points per dollar on flights, and 1 point per dollar on other eligible purchases.
The card has a $250 annual fee and a welcome bonus of 60,000 Membership Rewards points after spending $4,000 in the first 6 months.
The card offers up to $120 in dining credits and up to $120 in Uber Cash. However, you must redeem the dining credit monthly in $10 increments and is only valid at selected restaurants.
You must also use the Uber Cash at $10 per month and only for U.S. rides and Uber Eats.
American Express Membership Rewards points are flexible and you can transfer them to airline partners. You can also redeem for a variety of gift cards in travel, retail, and restaurant categories.
The average household spends $10,833 on restaurants and groceries, $1,520 on airfare, and $19,719 on other purchases. This could earn them 67,611 Membership Rewards points per year, in addition to the welcome bonus.
The card offers secondary car rental damage and loss insurance and no foreign transaction fees. The card also allows up to five authorized cardholders to share travel protection benefits.
Significant benefits and disadvantages you may find
Now that you are familiar with the details of this card, let’s have a look at its pros and cons. Our American Express® Gold Card review would be incomplete without it.
Benefits
- Secure payment method.
- Widely accepted globally.
- Convenient, no need to carry cash.
- Can earn rewards/points.
Disadvantages
- Can lead to overspending.
- Risk of fraud/theft.
- Extra fees for non-network ATMs.
- May have credit checks/high APRs.
Is a good credit score required for applicants?
Yes, the American Express® Gold Card is a top-tier product that requires applicants to have a Good to Excellent credit score.
Learn how to apply and get a American Express® Gold Card
If you like what you have seen in this American Express® Gold Card review, you might want to take the next step and apply for this card.
If that is the case, click the link below and we are going to show you how to do it.
How to get your American Express® Gold Card
In this American Express® Gold Card application guide we will show you how to get this card that gives you dining and travel benefits.
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
Partner Offer through CreditCards.com
About the author / Danilo Pereira
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