About American Express Gold Card


Apply for the American Express Gold Card Here


Card Highlights


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.

Card Rewards

Earn Membership Rewards with the card. Learn about the American Express Membership Rewards Program here.

Sign-up Bonus

35,000 Membership Rewards BONUS POINTS offer after you spend $2,000 in the first 3 months.

APPLY FOR THE CARD HERE.  Before you apply, make sure your ability to get the sign-up bonus is not limited by American Express lifetime language or the 5 card rule or the other factors language.

Annual Fee


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

1. Earn 4 points per dollar at U.S. restaurants

2. Earn 4 points per dollar at U.S. supermarkets on up to $25,000 per year in purchases

3. Earn 3 points per dollar on flights booked directly with airlines and airfare charged directly with amextravel.com. (directly means not thru an intermediary like Expedia or Kayak).

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.

$100 Credit If You Stay At A Property That Is Part Of The Hotel Collection

If you stay a minimum of two nights at a Hotel Collection resort, you can receive a room upgrade, if available and a $100 hotel credit on qualifying dining, spa, or resort activities booked thru Amex.

Transfer Points To Over 20 Frequent Traveler Programs Or Use Membership Rewards Pay With Points

You can read here about each of these methods of using your American Express Membership Rewards.

Purchase Protection

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

Now-I just got the latest version of the Gold card.

Before-Read about how and when I use to use to use my American Express Premier Rewards Gold Card.  However, read here about how I traded it in for an Amex Everyday Preferred card. 

More About The Card

Apply Here for the American Express Gold Card 

Learn About American Express Membership Rewards Here