@w13b56a97's wallet | Finly Wallet

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

Card details

Interest Rates

Purchase: 21.99%*

Cash Advance: 21.99%*

^* 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.

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

300

Poor

693

Fair

743⁎

Good

790⁎

Very Good

833⁎

Excellent

⁎Estimates based on TransUnion scoring

Card Type

Credit

Reward Type

Type: Points

Loyalty Program: American Express Membership Rewards

Our Rating

4.3/5

Institution

American Express

Insurance & Benefits

11 insurance

8 benefits

Insurance

Coverage

Travel Medical Insurance (64 & under)

15 days

Trip Cancellation

$1,500 per person, $3,000 combined

Trip Interruption

$1,500 per person, $6,000 combined

Flight Delay

$500

Baggage Delay

$500

Hotel Burglary Insurance

$500

Lost or Stolen Baggage

$500

Common Carrier Travel Accident Insurance

$500,000

Car Rental Damage & Theft

yes

Purchase Protection

90 days

Extended Warranty

Up to 1 year

Benefits

Details

Travel Credit

$100

Nexus Program Rebate

$50 statement credit every 4 years

Airport Lounge - Priority Pass

Pass only. No Complimentary visits!

Airport Lounge - Plaza Premium

4 Free complimentary visits

Complimentary Hotel Benefits

Hotels booked American Express Travel

Status lift

Hertz Gold Plus Rewards® loyalty program

American Express® Experiences

Extra points

Earn 2 points on Amex Travel Online purchases and extra points on American Express offers

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.