American Express Gold Card Review

The card_name is a rewards card designed for foodies and anyone who spends on dining and at grocery stores. Like many American Express cards, this one comes with credits that can help offset the annual fee if you take advantage of them. There’s a nice welcome bonus as well, and American Express has excellent customer service. We dive into the details and your approval odds in this review. We dive into the details and your approval odds in this review.

Our Rating

4.8/5.0

Welcome Offer

Earn 60,000 Membership Rewards® Points

Annual Fee

$250

0% on Purchases

N/A

Reward Rate

1x-4x

0% on Balance Transfers

N/A

Welcome Offer

Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

Features & Benefits

SecurityEMV Chip Enabled
Contactless PaymentsTap to Pay, Apple Pay, Google Pay
Benefits24/7 customer service
Travel PerksAccess to Special Events and Concerts, Auto Rental Collision Damage Waiver, Emergency Travel Assistance, Luggage Protection

Rewards

1x points
On all other eligible purchases
1x points on all other eligible purchases
3x points
Airfare
3x points on flights booked directly with airlines or on amextravel.com
4x points
U.S. supermarkets
4x points at U.S. supermarkets on up to $25,000 in purchases per year.
4x points
Dining
4x points at restaurants worldwide, plus takeout and delivery in the U.S.

Interest Rates & Fees

Annual Fee$250
Foreign Transaction FeeNone
Regular APRSee Pay Over Time APR (V) APR

Insurance

Trip Delay Insurance

Up to $300 per Covered Trip that is delayed for more than 12 hours; and 2 claims per Eligible Card per 12 consecutive month period.
  • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. 
  • Please visit americanexpress.com/benefitsguide for more details. 
  • Underwritten by New Hampshire Insurance Company, an AIG Company.

Extended Warranty

When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year.

  • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. 
  • Please visit americanexpress.com/benefitsguide for more details. 
  • Underwritten by AMEX Assurance Company.

Purchase Protection

Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. 

  • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. 
  • Please visit americanexpress.com/benefitsguide for more details.
  • Underwritten by AMEX Assurance Company.

Lost Baggage Insurance

Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip.

  • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. 
  • Please visit americanexpress.com/benefitsguide for more details. 
  • Underwritten by AMEX Assurance Company.

What Credit Score Is Required to Get the American Express® Gold Card

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.

App StatusDateCredit ScoreBureauCredit Limit
Approved05/13/2022
652
Experian
$4,500
Approved05/13/2022
665
TransUnion
$4,500
Approved06/13/2022
673
Experian
$1,750
Approved06/13/2022
696
Equifax
$1,750
Approved06/13/2023
699
TransUnion
$1,750
Approved06/07/2022
750
TransUnion
---
Approved06/07/2022
752
Experian
---
Approved06/07/2022
761
Equifax
---

Pros & Cons

Pros
  • Welcome offer
  • No foreign transaction fee
  • Up to 4x points
  • Excellent dining credit
Cons
  • Annual fee
  • Requires good credit

What Are the Best Alternatives?

Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card

Rating

4.9

Rewards Range

1x - 5x points

Annual Fee

$95

Chase Sapphire Reserve®
Chase Sapphire Reserve®

Rating

4.9

Rewards Range

1x - 10x

Annual Fee

$550

Capital One Venture X Rewards Credit Card
Capital One Venture X Rewards Credit Card

Rating

4.9

Rewards Range

2x - 10x

Annual Fee

$395

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