Hello Friends, I hope all is well with you! I am going to be reviewing the American Express Gold Credit Card today. These opinions are my own, and I am in no way influenced by anyone.
Overall Verdict: This is a premium rewards credit card. It comes with amazing benefits and protections as well as a high rewards amount in certain categories. It comes with different kinds of dining credits, airline fee credits, and much more. This card is best for the frequent travelers. However, this card offers a low reward amount for anything that is outside of the high rewards categories. It also has a hefty annual fee.
Some things about this card that I do like:
Some of the things that I don’t like:
The American Express Gold credit card offers you the chance to earn membership points for every dollar that you spend. The points accumulate in your account until you are ready to use them. Amex offers so many ways for you to redeem your points. You can redeem your points for merchandise, gift cards, and entertainment, and you can redeem your points for a statement credit. Additionally, you can transfer your points to one of Amex’s travel partners. These partners have their own frequent travel loyalty programs, and they allow you to use your Amex points to redeem flights or book trips with them. Furthermore, you can also use your points to book your travels through Amex’s travel website.
The Amex Gold Card has a hefty $250 annual fee.
This Amex credit card offers you the opportunity to earn 4x points at U.S supermarkets on up to $25,000 in purchases per calendar year; you will earn 1x points on purchases after the limit is reached. You can also earn 4x points at restaurants for every dollar that you spend. Additionally, you can earn 3x points for every dollar you spend on flights that are either booked directly with the airlines or booked through Amex’s travel website. Furthermore, you will earn 1x points on all other purchases. Furthermore, Amex does have some special deals that let you earn extra points for shopping or buying products from certain brands or stores.
This Amex gold rewards credit card has a sign-up bonus of 50,000 membership points when you spend $2,000 or more in purchases in the first three months of the account opening. That’s about a 13% return on the money that you would have spent anyway.
The American Express Gold credit card does not have any foreign transaction fees.
The American Express Gold card offers so many awesome benefit; this is not an exhaustive list but covers most of their benefits.
For more information and details on their benefits, check out their benefits page.
The American Express Gold Card does not have an introductory APR offer. Your APR will be between 15.99% and 22.99%, but the rate you get depends on your credit score.
Their other fees include:
For more information on their fees, check out their fee schedule.
There are a couple of ways you can contact their customer service. The first and most common way would be to call the number on the back of the card. The second way to contact them would be through their online chat system; you would initiate this chat by logging into your account and clicking on the “Chat” icon. Something important to note is that you have 24/7 access to their member service team for any questions you might have.
Who it’s perfect for:
Who it isn’t perfect for:
If you are still unsure if a rewards credit card makes sense, check out my post on Why You Should Use Rewards Credit Cards.
Additionally, if this card isn’t right for you, I invite you to check out my credit cards page for more information on other cards.