4.3
/5
American Express
American Express Gold Rewards Card®Points Calculator
Earn up to 60,000 Membership Rewards® points
Our Take
The American Express® Gold Rewards Card is an excellent choice for travelers seeking an entry-level card that offers a strong balance of generous travel benefits without excessive costs. With a relatively low annual fee, this card provides flexibility and a range of perks that make it stand out among other options. It’s ideal for those who want to maximize their travel rewards without being tied to a specific airline or compromising on the benefits offered.
Apply with Confidence — won't impact your credit score
Card Details
Interest Rates
Purchase: 21.99%*
Cash Advance: 21.99%*
Annual Fees
Main Card: $250
Additional Cards: 1st free, $50 thereafter
Welcome Bonus
- Earn up to 60,000 Membership Rewards® points
- New American Express® Gold Rewards Cardmembers, earn 5,000 Membership Rewards® points for each monthly billing period in which you spend $1,000 in net purchases on your Card
Annual Income
Personal: N/A
Household: N/A
Credit Score Estimate
Card Type
Credit
Our Rating
4.3/5
Institution
American Express
How You Earn Rewards
- 2x points per $1 spent on gas, groceries and drugstore purchases
- 2x points per $1 spent on travel (eligible flights, hotels, tours and more)
- 1x point per $1 spent on all other eligible purchases
Insurance & Benefits
Insurance
Coverage
Travel Medical Insurance (64 & under)
Trip Cancellation
Trip Interruption
Flight Delay
Baggage Delay
Hotel Burglary Insurance
Lost or Stolen Baggage
Common Carrier Travel Accident Insurance
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Car Rental Damage & Theft
Purchase Protection
Extended Warranty
Benefits
Details
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Travel Credit
Nexus Program Rebate
Airport Lounge - Priority Pass
Airport Lounge - Plaza Premium
Complimentary Hotel Benefits
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Status lift
American Express® Experiences
Extra points
Pros & Cons
Pros
- Flexible rewards
- Travel perks
- Comprehensive insurance
- Multiple redemption options
- Instant decision. No credit impact.
Cons
- High annual fee
- Foreign transaction fees
- Limited senior travel insurance
- Limited acceptance
Legal
*Terms and conditions apply.
Subject to approval. The preferred rate for purchases is 21.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 25.99% and/or 29.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.