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welcome offer

Earn 60,000 points after spending $4,000 within the first 6 months (terms apply). See rates and fees

Bonus Value

Approximately $900*

Annual Fee

Card Rewards

4 points at US supermarkets (up to $25,000 spent annually)

4 points at restaurants, including takeout and delivery

4 points on Uber Eats purchases

3 points on flights booked directly with the airline or with Amex travel

1 point everywhere else

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Card Overview

The Amex Gold Card is a great card for the everyday mom. It earns you 4 points on purchases from US supermarkets (up to $25,000 spent annually) and 4 points at restaurants. You will also earn a $10 statement credit monthly on purchases at select restaurants. Next up is travel with 3 points earned on flights booked directly with Amex, The super benefits and protections include trip delay insurance, baggage insurance, auto rental coverage, purchase protection and extended warranty protection.

Card-Smart Tips & Advice
  • Fair credit is ok
  • In a time span of 90 days, you can only get approved for 2 Amex cards.
  • You can only get approved for up to-and including- 10 Amex No Preset Spending Limit* cards. (This rule is not always enforced)
  • Amex will usually pull your Experian credit report
  • 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
  • You can check your application status  here  or call 1 800 567 1083
  • If declined you can call 1 800 567 1083 to be reconsidered
  • The Amex Gold Consumer card can be downgraded to the Amex Green Consumer ($150).  Please note, it is not recommended to downgrade an Amex card before 12 months of account opening.
  •  
See recent approvals from this card
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. 
Card Details And Benefits
Foreign Transaction Fee

No foreign transaction fee.

Credits

Get $10 Uber cash credits each month, totaling $120 a year, once this card is added to your Uber account. Credits can be used for UberEats orders or Uber rides in the US.

Get $10 statement credits per month, totaling $120 a year, for purchases at Grub hub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Shake Shack (not all locations), and Boxed.com.

Auto Rental Collision Insurance

Secondary worldwide coverage on rentals up to 30 days (excluding Australia, Italy, and New Zealand). Max $50,000. You can purchase an Amex premium plan that will offer primary coverage up to 42 days. Max $100,000.

Lost Luggage Reimbursement

Get up to $500 per person for lost or damaged luggage. Max $10,000 per trip for NY residents.

Trip Delay Reimbursement

If your flight is delayed for 12+ hours, you can claim up to $300 per trip to cover expenses like meals, lodging, toiletries, medication, and other personal use items. Max 2 claims per year.

Extended Warranty Protection

Get one additional year to your original manufacturer's warranty time. (Will only cover if the original warranty is for 5 years or less). Max $10,000 per claim, $50,000 per year.

Purchase Protection

Get refunded if your purchase is damaged, lost, or stolen, up to 90 days from the date of purchase. Max $10,000 per claim, $50,000 per year.

Covid-19 Temporary Benefits

  • Receive an Eats pass, free for 1 year, valid through December 2021

Additional Resources

*No Preset Spending Limit means the spending limit is flexible. [In fact,] unlike a traditional [credit] card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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