American Express Gold Card is a Charge Card
With a charge card, there are no interest charges because you pay your balance in full each month. If you become eligible, you may be given the option to extend payment over time on certain charges using Amex’s Pay Over Time feature(s). If you use these features, you may accrue interest on any charges you choose to pay over time. But remember, this is not advised by me. The points game does not work well, if you are carrying a balance and accruing interest. See #4 in Let’s Get Started To Earning Free Travel.
Earn Membership Rewards with the card. Learn about the American Express Membership Rewards Program here.
25,000 Membership Rewards BONUS POINTS offer after you spend $2,000 in the first 3 months. Also, thru January 9, 2019, receive 20% back as a statement credit, up to $100 per Card account, on dining purchases at U.S. restaurants for the first three months of your Gold Card membership.
Note, the Premier Reward Gold Card’s previous fee of $195 will remain for existing cardholders and the new fee of $250 will go into effect beginning April 1, 2019 on their account renewal date.
Earn Points on Spending
4. Earn 1 point for every dollar you spend on all your other purchases.
Note, current Premier Rewards Gold Card Members will continue to receive 2x on U.S. gas purchases until October 4, 2019, when this benefit will be discontinued.
No Foreign Transaction Fees
Pay no foreign transaction fees when you use your card on purchases made outside the United States.
$120 Dining Credit
Earn up to $10 in statement credits monthly when you pay with The Gold Card at participating partners. Note, enrollment required. At the time of this post, participating partners are Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House and participating Shake Shack locations. However, it excludes Shake Shack locations in ballparks, stadiums, airports and racetracks.
$100 Airline Fee Credit
Select a qualifying airline and then receive up to $100 per calendar year in statement credits when incidental fees, such as checked bags and airport lounge day-passes, are charged by the airline to your Premier Rewards Gold Card Account.
$75 Credit If You Stay At A Property That Is Part Of The Hotel Collection
Transfer Points To Over 20 Frequent Traveler Programs Or Use Membership Rewards Pay With Points
Purchase Protection protects eligible purchases made with the Card in the event they are accidentally damaged or stolen for up to 90 days from the date of purchase.
The Points Mom and the Gold Card