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Gold Card

Home » Card Issuer » American Express » Gold Card


  • Earn Everyday: earn 1X point for every dollar you spend on purchases with unlimited earning potential
  • Use points for everything from flights to hotels with no blackout dates
  • Redeem with Flexibility
  • Get discounts and low rates at hotels and resorts using the Gold Card Destinations

Rates & Terms

Purchase Intro APR Regular APR Annual Fee Balance Transfer Period
N/A N/A $0 intro first year, then $125 N/A
  • Purchase Intro Period: N/A
  • Balance Transfer Intro Rate: N/A
  • Balance Transfer Rate: N/A
  • Cash Advance Rate: N/A
  • Late Fee: Up to $35
  • Cash advance Fee: N/A
  • Balance Transfer Fee: N/A
  • Cash Advance Minimum: N/A
  • Balance Transfer Minimum: N/A
  • Credit Profile: Excellent Credit Score

Gold Card Review

The American Express Gold Charge Card is a classic take on the rewards credit card.  It has a simple, easy to understand points reward system - 1 point for everything.  You can also earn 10x points through select retailers who have signed up directly with American Express (read more at ) While this may not be the highest rewarding, the real value of this credit card are all of the other amenities provided by American Express, including baggage and travel insurance, discounts and low rates at hotels and resorts, and concierge service to help you with all of your booking needs.

It is important to take into account that this is a charge card - which means you need to pay off your balance at the end of each month, but it also means there is no pre-set spending limit.  The annual fee is significant at $125, which you are paying for American Express helping you out in booking or in any sticky situations.  We'd recommend this card to people who plan on spending a significant amount of money annually and who will take advantage of the industry leading services that American Express provides.