Amex Gold Card

welcome offer

Earn 40,000 points after $4,000 spent in within first 3 months (terms apply).

Bonus Cash Value

Approximately $600*

Annual Fee

$250

Card Rewards

Earn 4 points on every dollar spent at US supermarkets (up to $25,000 spent annually)

Earn 4 points at restaurants worldwide

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

Earn 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 worldwide. 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
  • You can only get approved for 2 Amex cards in 90 days. A customer can have up to 10 Amex charge cards. If you already have 10 open Amex charge cards you may be declined (this is not always enforced)
  • You can only receive 1 welcome bonus per lifetime on each Amex credit card
  • Amex will usually pull your Experian credit report
  • 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
Card Details And Benefits
  • Earn $100 annual airline incidental credit
  • Earn $10 statement credit monthly for purchases at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Shake Shack (not all locations) and Boxed
  • Global Assist Hotline
  • No Foreign Transaction Fee
  • Auto Rental Collision Insurance
  • Lost Luggage Reimbursement
  • Trip Delay Reimbursement
  • Extended Warranty Protection
  • Purchase Protection

Compare Cards

CardAmex PlatinumAmex Gold CardAmerican Express Green Card
Welcome BonusEarn 60,000 points after $5,000 spent within first 3 monthsEarn 40,000 points after $4,000 spent in within first 3 monthsEarn 30,000 points after $2,000 spent within the first 3 months
Annual Fee$550$250$150
Rewards- Earn 5 points on flights booked directly with airlines - Earn 5 points on travel booked on Amex travel - Earn 1 point everywhere else- Earn 4 points on every dollar spent at US supermarkets (up to $25,000 spent annually) - Earn 4 points at restaurants worldwide - Earn 3 points on flights booked directly with the airline or with Amex travel - Earn 1 point everywhere else- Earn 3 points per $1 spent on restaurants - Earn 3 points per $1 spent on transit - Earn 3 points per $1 spent on travel - Earn 1 point per $1 spent everywhere else
Upgraded StatusComplimentary Hilton Gold, Marriott Gold, Uber VIP, Natoinal Emarald Club Exexutive Status, Avis Preferred Club (publicy available), Hertz Gold Plus (publicy available), Status
CreditsEarn A $200 annual airline incidental fee creditEarn $15 in Uber Cash for U.S. rides each month plus a bonus of $20 in December, which is up to $200 annuallyEarn $100 in statement credits annually for purchases at Saks Fifth Avenue ($50 credits twice a year)Earn $100 annual airline incidental fee creditEarn $10 statement credit monthly for purchases at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Shake Shack (not all locations) and BoxedEarn a $100 credit per calendar year when you pay for your CLEAR membership with your card
Global Entry and TSA pre-checkStatement credit for Global Entry or TSA Pre-Check every 4/4.5 years.
No Foreign Transaction FeeNoneNoneNone
Lounge AccessAccess to 12,000+ airport lounges, with a complimentary membership to Priority Pass Select. Centurion Lounges, AirSpace Lounges, Escape Lounges, Delta Skyclub (when flying Delta)Receive up to $100 in statement credits per calendar year on LoungeBuddy purchases.
Trip Cancellation InsuranceCoverage for canceled or interrupted travel due to a unforeseen medical emergency, etc. Max $10,000 per person per trip for a max of $20,000 per year.
Auto Rental Collision InsuranceSecondary worldwide coverage (excluding Australia, Italy, and New Zealand) on rentals up to 30 days (max $75,000). You can purchase from Amex a premium plan that will offer primary coverage up to 42 days (max $100,000).Secondary worldwide coverage (excluding Australia, Italy, and New Zealand) on rentals up to 30 days (max $50,000). You can purchase from Amex a premium plan that will offer primary coverage up to 42 days (max $100,000).Secondary worldwide coverage (excluding Australia, Italy, and New Zealand) on rentals up to 30 days (max $50,000). You can purchase from Amex a premium plan that will offer primary coverage up to 42 days (max $100,000).
Lost Luggage ReimbursementUp to $2,000 per person for lost or damaged luggage (max $10,000 per trip for NY residents)Up to $500 per person for lost or damaged luggage (max $10,000 per trip for NY residents)Up to $500 per person for lost or damaged luggage (max $10,000 per trip for NY residents)
Trip Delay ReimbursementIf your flight is delayed more than 6 hours you can claim up to $500 per trip to cover expenses like meals, lodging, toiletries, medication, and other personal use items (up to two claims per year).If your flight is delayed more than 12 hours you can claim up to $300 per trip to cover expenses like meals, lodging, toiletries, medication, and other personal use items (up to two claims per year).If your flight is delayed more than 12 hours you can claim up to $300 per trip to cover expenses like meals, lodging, toiletries, medication, and other personal use items (up to two claims per year).
Return ProtectionNot happy with a purchase? Get a refund on purchases that are passed the store return policy for up to 90 days. Max $300 per claim, $1,000 per year)
Extended Warranty ProtectionGet one additional year on top of the original manufacturer’s warranty. (Will only cover if the original warranty is for 5 years or less. Max $10,000 each claim and $50,000 per year.Get one additional year on top of the original manufacturer’s warranty. (Will only cover if the original warranty is for 5 years or less. Max $10,000 each claim and $50,000 per year.Get one additional year on top of the original manufacturer’s warranty. (Will only cover if the original warranty is for 5 years or less. Max $10,000 each claim and $50,000 per year.
Purchase ProtectionGet refunded if your purchase is damaged, lost, or stolen for up to 90 days from date of purchase. Max $1,000 per claim ($50,000 per year)Get refunded if your purchase is damaged, lost, or stolen for up to 90 days from the date of purchase. Max $1,000 per claim ($50,000 per year)Get refunded if your purchase is damaged or stolen for up to 90 days from date of purchase. Max $1,000 per claim ($50,000 per year)
Authorized User Fee$175There is no annual fee for up to 5 Additional Cards. The annual fee for 6 or more Additional Cards is $35 for each Card$0

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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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