LIVE
30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·
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Credit Cards / Travel
Credit card review

American Express Gold Card Review

American ExpressAmexTravel

American Express Gold Card earned 4.7 / 5 in our 2026 review. The American Express Gold Card earns 4x on dining with a $325 annual fee, a 60,000 Membership Rewards points welcome offer. Here is the full Fintiex review for 2026.

By the Fintiex Card Desk · Updated 2026-04-29
American Express Gold Card credit card
Apply at American Express Compare all cards
TL;DR
Annual fee
$325
Signup bonus
$1,200
Top reward rate
4x on dining
Intro APR
None
Issuer
American Express
Network
Amex
Min credit score
700
Fintiex rating
4.7 / 5
Pros
  • +4x Membership Rewards points at restaurants worldwide and on takeout and delivery in the US
  • +4x at US supermarkets (up to $25,000 per year, then 1x)
  • +3x on flights booked directly with airlines or via Amex Travel
  • +$120 dining credit ($10/month) at select restaurants (Grubhub, The Cheesecake Factory, etc.)
  • +$120 Uber Cash credit ($10/month) toward Uber Eats orders or rides in the US
  • +No foreign transaction fees
  • +Points transfer to 20+ airline and hotel partners
  • +Car rental loss and damage insurance
  • +Baggage insurance plan
Cons
  • -$325 annual fee
  • -Dining and grocery credits require enrollment and have specific merchant restrictions
  • -4x dining capped at combined $25,000 with groceries
  • -No airport lounge access (upgrade to Platinum for that)
  • -Not accepted at all merchants that Visa/Mastercard are

Rewards detail

dining
4x
groceries
4x
flights
3x
everything else
1x

Fintiex values American Express points at about 2.00 cents each, based on current transfer-partner redemption rates. Your real value will depend on how you redeem.

Rates and fees

Annual fee
$325
Purchase APR
21.49% to 29.49%
Variable, based on prime rate and creditworthiness
Intro APR
Not offered
Balance transfer APR
21.49% to 29.49%
Cash advance APR
29.99%
Balance transfer fee
5%
Or $5 minimum, whichever is greater
Foreign transaction fee
None
Who it's for

The Gold Card is built for people who want a travel card. Most approvals land at FICO 700 and above, but issuers prefer scores near 740. If your credit profile is below the minimum, look at one of the secured or student picks on our hub before applying to avoid an unnecessary hard inquiry.

Not sure this is the right fit? See our best travel cards roundup.

Compare with similar cards

Chase
Sapphire Preferred Card
5x on travel via Chase
$95 fee→
Chase
Sapphire Reserve
10x on chase travel portal
$550 fee→
American Express
Platinum Card
5x on flights amex travel
$695 fee→
Capital One
Venture X Rewards Credit Card
10x on hotels capital one travel
$395 fee→

Frequently asked questions

Does the Gold Card have a foreign transaction fee?
No. The American Express Gold Card charges no foreign transaction fees, so it works well for travel abroad. You pay the same network exchange rate you would get at home.
What credit score do I need for the Gold Card?
Approvals typically start around a FICO score of 700, but American Express prefers 740 and above. Income, debt-to-income ratio, and existing relationships with the issuer also factor in.
How much is the Gold Card signup bonus?
New cardholders earn 60,000 Membership Rewards points after spending $6,000 in the first few months. Fintiex values that at about $1,200 based on current redemption rates. Match the bonus to a real planned purchase so you do not overspend chasing it.
Does the Gold Card have a 0% intro APR offer?
No. The American Express Gold Card does not currently offer a 0% intro APR period. The standard variable purchase APR is 21.49% to 29.49%. If you need a 0% intro card for a big purchase or balance transfer, check our 0% APR picks instead.
How much is the annual fee on the Gold Card?
$325 per year. To break even you need to earn enough rewards and credits to cover that fee. We walk through the math in the rewards detail section above.
Is the Gold Card worth it?
Fintiex rates the American Express Gold Card 4.7 out of 5 for 2026. It is best for travel. Compare against our top picks in each category before you apply to make sure it matches your spending pattern.

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