13
Benefits5
Reward Categories4x
Max Reward21.2%
APR FromBasic Information
PENDINGRewards Program (Detailed) 5 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| U.S. Supermarkets (up to cap) | 4x | Points | on purchases at U.S. supermarkets | $25,000 | |
| Dining (Worldwide) | 4x | Points | at restaurants worldwide | No Cap | |
| Flights (Direct or Amex Travel) | 3x | Points | on flights booked directly with airlines or on amextravel.com | No Cap | |
| U.S. Supermarkets (after cap) | 1x | Points | on purchases at U.S. supermarkets (after $25,000 annual cap) | No Cap | |
| All Other Eligible Purchases | 1x | Points | on all other eligible purchases | No Cap |
Rewards Summary
PENDINGReward Type: Membership Rewards Points
Base Rate: 1x
Bonus Rate: 4x
Categories: 4x U.S. Supermarkets, 4x Restaurants Worldwide, 3x Flights booked directly with airlines or on amextravel.com
Quarterly Rotating: No
Cap Amount: $25,000.00
Expiration Policy: Points do not expire as long as account is active and in good standing.
Point Value: 0.02¢
Travel Portal Multiplier: 1x
Transfer Partners: Delta SkyMiles, Air Canada Aeroplan, British Airways Executive Club, Emirates Skywards, Hilton Honors, Marriott Bonvoy, and more.
Redemption Penalties: Small excise tax offset fee for transfers to U.S. airline partners.
Benefits & Protections (Detailed) 13 Total
PENDINGDining 1
Up to $120 Dining Credit
Up to $120 per year ($10 monthly)Earn up to $10 in statement credits monthly when you pay with the Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
Purchase Protection 2
Purchase Protection
Up to $10,000 per occurrence, $50,000 per yearWhen an eligible item you purchased with your Gold Card is accidentally damaged, stolen, or lost within 90 days from the date of purchase, Purchase Protection can cover you for up to $10,000 per occurrence, up to $50,000 per calendar year. Please read important exclusions and restrictions.
Extended Warranty
Up to 1 additional year, max $10,000 per itemWhen you purchase an eligible item with your Gold Card, you can get up to one additional year added to the original manufacturer's warranty. Applies to warranties of five years or less. Coverage is limited to the actual amount charged to your Card for the item, up to a maximum of $10,000 per item, and $50,000 per Card Member account per calendar year. Please read important exclusions and restrictions.
Rewards 4
4X Membership Rewards® points on U.S. Supermarkets
4X points (up to $25,000/year)Earn 4X Membership Rewards® points on purchases at U.S. supermarkets, on up to $25,000 in purchases per calendar year. After that, earn 1X point.
4X Membership Rewards® points on Restaurants Worldwide
4X pointsEarn 4X Membership Rewards® points at restaurants worldwide.
3X Membership Rewards® points on Flights
3X pointsEarn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
1X Membership Rewards® points on Other Purchases
1X pointEarn 1X Membership Rewards® point on all other eligible purchases.
Travel 1
No Foreign Transaction Fees
No feesNo foreign transaction fees when you use your Gold Card for purchases abroad.
Travel / Dining 1
Up to $120 Uber Cash
Up to $120 per year ($10 monthly)Add your Gold Card to your Uber account and automatically get $10 in Uber Cash each month for U.S. Uber Eats orders or Uber rides. That's up to $120 in Uber Cash per year.
Travel Assistance 1
Global Assist® Hotline
Emergency coordination and assistanceFor medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles from home. Card Members are responsible for the costs charged by third-party service providers.
Travel Insurance 3
Baggage Insurance Plan (Carry-on)
Up to $1,250 per personWhen you purchase your entire fare for a Common Carrier ticket with your Eligible Card, you can be covered for lost, damaged, or stolen carry-on baggage. Coverage can be provided for up to $1,250 for carry-on baggage, in excess of coverage provided by the Common Carrier. Please read important exclusions and restrictions.
Baggage Insurance Plan (Checked)
Up to $500 per personWhen you purchase your entire fare for a Common Carrier ticket with your Eligible Card, you can be covered for lost, damaged, or stolen checked baggage. Coverage can be provided for up to $500 for checked baggage, in excess of coverage provided by the Common Carrier. Please read important exclusions and restrictions.
Car Rental Loss and Damage Insurance
Secondary coverage for damage/theftWhen you use your Gold Card to reserve and pay for the entire rental and decline the collision damage waiver (CDW) at the rental car counter, you can be covered for damage to or theft of most rental vehicles. This is secondary coverage and does not include liability coverage. Please read important exclusions and restrictions.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
PENDING60,000
Points/MilesRequirement: Spend $4,000 in 180 days
Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours
Fee Structure
PENDING| Annual Fee: | $250.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $10.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
| Min Interest Charge: | $1.50 |
Additional Fees
PENDING| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 21.24% - 29.24%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 0 months
Promo Financing: Pay Over Time
Promo Duration: 0 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the American Express Gold Card requires applicants to be 18 years or older, possess a valid SSN/ITIN, demonstrate a good credit history (typically 700+ FICO score), and have sufficient income. The welcome bonus is generally limited to one per card product per lifetime. American Express also enforces a maximum of 2 credit card applications per 90 days; while this rule primarily applies to revolving credit products, it reflects Amex's general application velocity guidelines.
Max Cards Per Issuer: 5
Min Spend Interval: 6 months
Cliff Effect Rules: American Express employs an internal algorithm, often referred to as 'pop-up jail,' which may deem an applicant ineligible for a welcome bonus based on their past card history, application velocity, or perceived churning behavior, even if they haven't technically received the bonus for that specific product before. This can prevent bonus eligibility without a clear, published reason.
Special Events: N/A
Holiday Promos: N/A
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 4.5 / 5.0
Top Positive:
Excellent rewards on dining and groceries, valuable travel and dining credits, premium customer service, and no foreign transaction fees.
Top Negative:
High annual fee, not a true credit card (charge card), and limited acceptance compared to Visa/Mastercard.
Approval Experience: 88.0 / 100
Recommended Alternatives
- Chase Sapphire Preferred Card
- Capital One Venture X Rewards Credit Card
- American Express Platinum Card
Card Value Score: 85.0 / 100
Est. Annual Rewards: $1,150.00
Approval Probability: 90.0%
Version Control
PENDINGVersion ID: v1.0