American Express® Gold

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Score Needed: Good to Excellent

At a glance

Welcome Offer

Earn 60,000 Membership Rewards® Points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership + receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Offer ends 11/6/2024.

Limited Time Offer

New Offer

All time high

Rewards

4X on groceries at U.S. supermarkets on up to $25,000 in purchases per year

4X at restaurants worldwide, on up to $50K in purchases

3X on flights booked directly with airlines or on amextravel.com

4X on groceries at U.S. supermarkets on up to $25,000 in purchases per year

4X at restaurants worldwide, on up to $50K in purchases

3X on flights booked directly with airlines or on amextravel.com

Points on other purchases

Intro APR

N/A

Balance Transfer Intro

N/A

Regular APR

See Pay Over Time APR

Annual Fee

$325

American Express® Gold

Unlock the full potential of your spending with the American Express® Gold Card. Earn 4X points dining worldwide and at U.S. supermarkets, 3X on flights, and 2X on hotel bookings through AmexTravel. With an array of transfer partners like Delta SkyMiles, Hilton Honors, and Marriott Bonvoy, your points open doors to travel, hotel stays, and more.

Application Tips

Get the best results with each application

Application Pending? Check your status online at AmericanExpress.com/Application-Status or by calling 1-800-567-1083. Sometimes, all they need is a quick verification.

Thinking About 2 Cards? You can only get approved for up to - and including- 5 Amex credit cards (including personal and business), but this rule isn’t always enforced (please note the total of 5 credit cards excludes some Amex cards that are No Preset Spending Limit* cards like the Amex Platinum, Amex Gold, etc)

Application Declined? If your Amex application was declined, you can ask for reconsideration within 30 days without a new credit check, or up to 90 days with a new one. When you call, you can ask to move credit from another Amex card or close an old card to get the new one. If they need a tax return, send what you have—it doesn't need to match your stated income. A bank statement might work too.

Approval Rules: American Express follows a maximum of 2 card approvals within 90 days, known as the 2/90 Rule. You can hold up to 5 credit cards, excluding No Preset Spending Limit cards, with a limit of 10 such cards. Additionally, you are allowed one Platinum variant every 90 days.

Limit Increase

Credit Inquires

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For existing Amex cardholders — Amex does not pull your credit for new credit card applications.

Application Inquires Credit inquiries for same-day applications will be combined, as long as they are both approved for on the same day. Note, for some existing Amex credit cardholders, Amex will| not do a hard credit pull when applying for a new credit card at any time

Welcome Offer Eligibility: Welcome Offer Eligibility You can only receive 1 welcome bonus per lifetime on each Amex credit card. If you are not eligible for the welcome bonus you will be notified by Amex before you submit the application.

Downgrade Options

Getting your card

Quickest way to get my card: Amex will sometimes give you an instant credit card number after approval, but not always. Amex physical credit cards cannot be expedited (except for the platinum cards) and will arrive after 5-7 business days

Rescore your report: To update your balance off-cycle, call 1-800-874-2717. The update will take up to 5 business days.

When applying for a new credit card, keep your balances below 10% of your limit on each existing card. Pay down balances and wait for each card's closing date, avoiding new charges. Some banks let you update balances anytime by phone, and Chase will automatically report a $0 balance after payment.

Card Benefits

Card holder benefits

As a card member, you have access to a wide range of benefits that come included with your membership. Take a look.

Reward Terms

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Credits

$120 Uber Cash on Gold

Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll automatically get $10 in Uber Cash each month for Uber Eats orders or Uber rides in the U.S. Plus, you'll earn 4X Membership Rewards® points for each Uber Eats purchase on your Card.

Terms Apply. Rewards and benefits are subject to change. Please visit americanexpress.com/rewards for more details.

Credits

$120 Dining Credit

Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Effective September 26, 2024, Milk Bar and Shake Shack will no longer be participating partners for the $120 Dining Credit and 'Enrollment required' for select benefits

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

Credits

$100 Resy Credit

Enroll and get up to $50 back semi-annually in statement credits each calendar year after you pay with the Card to dine at U.S. Resy restaurants or make other eligible Resy purchases.

Credits

$84 Dunkin' Credit

Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at Dunkin' locations.

Hotel Collection

The Hotel Collection

Delight your senses when you book The Hotel Collection with American Express Travel. Get a $100 experience credit to use during your stay. Minimum 2-night stay is required.

Terms Apply. Enrollment required. Please visit americanexpress.com/benefitsguide for more details. This benefit provides benefits at participating hotels. Eligibility and Benefit level varies by Card.

Miscellaneous Benefits

Global Assist® Hotline

Whenever you travel more than 100 miles from home, Global Assist® Hotline is available for 24/7 medical, legal, financial and other select emergency assistance and coordination services, such as medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.

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

Auto CDW Insurance

Car Rental Loss and Damage Insurance

Getting into your Rental Vehicle can be the start of a great vacation. When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver at the rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.

Coverage for a stolen or damaged rental vehicle is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is the actual cash value of the vehicle. 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 Luggage Insurance

Baggage Insurance Plan

Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle ticket (e.g. plane, train, ship, or bus) on an Eligible Card. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage. For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. Please read important exclusions and restrictions.

Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g., plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum 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.

Extra Redemption Value

American Express Preferred Access

With Preferred Access, you will have access to premium seats for select cultural and sporting events, based on availability.

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

Rewards redemption

Redeem your spending bonus

How to Redeem your valuable credits

Cash Redemption

Travel Redemption

Transfer your American Express Membership Rewards to any of the following American Express Travel Partners.

Points Transfer Partners

No transfer partners found

Fees

Fees you may encounter as a cardmember

See Rates and Fees

Balance transfer Intro Offer

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Balance transfer Fee

Balance transfer Terms

Foreign Transactions

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American Express® Gold

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