American Express Gold Card
Review the costs, rewards and application terms that matter for your comparison. Confirm the offer shown to you at the issuer before applying.
Published by Fintiex · Updated 2026-09-24 · How we check information
Check current issuer terms ↗
Official source check
Issuer product information and available pricing disclosures reviewed. Terms below apply to the cited public offer; personalized offers and existing accounts can differ.
Selected facts checked 2026-09-24. Official source ↗
Additional issuer source ↗ · Checked 2026-09-12
Additional issuer source ↗ · Checked 2026-09-24
Additional issuer source ↗ · Checked 2026-09-24
Rates and fees
- Annual fee
- $325
- Purchase APR
- 19.74%–28.74% variable for eligible Pay Over Time charges; other charges are due in full
- Introductory APR
- No introductory APR listed in this offer
- Balance transfer APR
- No balance-transfer terms listed in the standard card agreement
- Balance transfer fee
- No balance-transfer terms listed in the standard card agreement
- Cash advance APR
- Variable: Prime Rate + 21.99%, up to 29.99%, under the standard card agreement
- Cash advance fee
- 5% of each advance, $10 minimum
- Foreign transaction fee
- None
Rates shown are the advertised terms in the cited disclosures. Variable APRs can change. Your personalized offer and existing-account terms may differ.
Rewards and welcome offer
Personalized offer as high as 100,000 Membership Rewards points after $8,000 in purchases within 6 months. Your offer may be lower, or you may not qualify.
5x on prepaid hotels via Amex Travel; 4x dining and U.S. supermarkets with annual caps
- 4 points per dollar at restaurants, up to $50,000 each calendar year, then 1 point.
- 4 points per dollar at U.S. supermarkets, up to $25,000 each calendar year, then 1 point.
- 5 points per dollar on prepaid hotels through Amex Travel; 3 on flights booked directly or through Amex Travel.
Before you apply
- $325 annual fee.
- Statement credits have merchant, timing, and enrollment requirements.
- Compare the annual cost with benefits you expect to use. Subtract fees and interest from any reward estimate.
- Confirm any bonus spending deadline and eligibility exclusions. Avoid extra spending solely to earn a promotion.
- We do not publish a minimum approval score without an issuer source. Approval depends on the issuer’s assessment of your application.
How to decide whether this card fits
Start with your purpose: everyday spending, travel, managing existing debt, business purchases or building credit history. Compare products serving that purpose, then check the official pricing disclosure. A high reward multiplier only helps on eligible purchases and at a redemption value you can actually use.
Application links do not establish a paid partnership. See our advertising disclosure. No individual financial advice or approval guarantee is provided.
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