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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.

welcome offer

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

Bonus Value

Approximately $600 - $780

Annual Fee

Card Rewards

4 points at U.S. supermarkets (up to $25,000 spent annually)

4 points at restaurants, plus takeout and delivery in the U.S.

4 points on Uber Eats purchases

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

1 point everywhere else

Add to compare

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.

Author - Sam Updated: September 7, 2023 | Credit Card Review
Card Overview

The American Express 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, plus, $10 in Uber cash credits each month. 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 (more details below).

Card-Smart Tips & Advice
  • Credit: Fair credit is ok
  • Max cards: You can only get approved for up to-and including- 10 Amex No Preset Spending Limit* cards. (This rule is not always enforced)
  • Apply for two cards: If you apply for one Amex card and get approved, it is recommended to apply for a second card since Amex is very good about approving for two cards, even within the same day
  • Credit bureau: Amex will usually pull your Experian credit report. With the new "Apply With Confidence" feature, Amex will first do only a soft pull on your credit report and will let you know if approved or not. Only after you accept the approval will Amex do a hard pull on your credit (this feature is currently only available on Amex consumer cards. See more details below)
  • Combining same-day credit inquiries: 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
  • Check application status: You can check your application status  here  or call 1 800 567 1083
  • Reconsideration: If declined you can call 1 800 567 1083 to be reconsidered
  • 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

  • Downgrade options: 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.

Approval Monitor (submitted by HelpMeBuildCredit users)

94% Approved
720 Avg. Score of those approved
6% Denied
Approved 94% (30)
Denied 6% (2)
Credit limit rangeN/A
Approved 94% (30)
Denied 6% (2)

Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.

HelpMeBuildCredit credit ranges are a variation of FICO®️ Score 8, one of many types of credit scores lenders may use when considering your credit card application

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, Goldbelly, Wine.com, Milk Bar, and select Shake Shack locations. You must enroll in this benefit.

Get a $100 experience credit when you book a minimum 2-night stay at The Hotel Collection through Amex Travel.

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 covered for lost or damaged luggage up to $500 per person for checked baggage and up to $1,250 per person for carry-on baggage. 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.

How can the points be used?
Cashback

The following are your options for redeeming Amex Points for cashback:

Amex Travel

You can use your points to book airfare, hotels, car rentals, and more on Amex Travel. You will get 1 penny per point for flights and 0.7 cents per point towards all other travel.

If you have the The Business Platinum Card from American Express then you can get 35% of your points back when booking a flight on Amex Travel and if you have the American Express Business Gold Card you get 25% of your points back when booking a flight on Amex Travel (up to 1,00,000 points back per calendar year).

In order to qualify for the 35% -25% points back promo, the flight needs to be one of the following: 

  1. Flights booked on your preferred airline – this is a single airline you choose once a year in January as your preferred airline. You can choose any of the following U.S. airlines:
  • American
  • Southwest
  • United
  • Delta
  • JetBlue
  • Alaska
  • Frontier
  • Hawaiian
  • Spirit
  1. You will also receive the 35%-25% rebate when you book a first or business class ticket on any airline (regardless of the airline you choose as your preferred airline)
Transfer to airline and hotel programs

You can transfer your points to any of the following Amex Travel partners.

Airline partners:

Transfer Ratio Transfer Time
Aer Lingus, AerClub 1:1 Instant
AeroMexico 1:1.6 2-12 days
Air Canada 1:1 Instant
ANA 1:1 3 days
Air France/KLM 1:1 Instant
Avianca LifeMiles 1:1 Instant
British Airways 1:1 Instant
Cathay Pacific 1:1 Up to 1 week
Delta Airlines 1:1 Instant
Emirates 1:1 Instant
Etihad Airways 1:1 Instant
Hawaiian 1:1 Instant
Iberia 1:1 1-3 days
JetBlue 1:0.8 Instant
Qantas 1:1 Instant
Singapore Airlines 1:1 1-2 days
Virgin Atlantic 1:1 Instant

Hotel partners:

Ratio Transfer Time
Choice Privileges 1:1 Instant
Hilton Honors 1:2 Instant
Marriott, Bonvoy 1:1 Instant

Additional Resources

Targeted Offers

These links may have higher targeted offers. (You can try the links through incognito tabs or different browsers). Please note, these links are not affiliated links and we do not earn commission through applications submitted via these links. Please only use these links if you have been targeted for a higher offer.

 

The new application experience is currently available for individuals applying for a U.S. Personal Card via HelpMeBuildCredit, at AmericanExpress.com/us/credit-cards, or by calling American Express, and is not available if you apply for a Card after you log into an existing Card Member Account.

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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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