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No Annual Feefor Your First Year
Offer Terms

American Express® Gold Card

4.3997 of 5 stars View All 4253 Reviews

1X POINTS for every eligible dollar you spend

Pointshave no expiration date

Annual Fee

$0 intro annual fee for the first year of Card Membership, then $125.


No interest charges because you pay your balance in full each month.

At a Glance

Membership Rewards® Programuse points for rewards with over 500 brands

Use your Card everyday and earn points fast - points have no expiration date. Transfer points to 17 frequent flyer programs and 5 frequent guest programs or use them for gift cards and merchandise.

Gold Hotel CollectionPremium access and complimentary benefits

Receive up to a $75 hotel credit on qualifying charges and room upgrade at check-in, if available, with each Gold Hotel Collection booking when you stay a minimum of two consecutive nights.

Membership Rewards® Pay with Points

In a few clicks, you can use points to book your next trip with the American Express Travel site. Pay with Points covers just about everything travel-related – from airfare to accommodations, car rentals, and more. There are no blackout dates or seat restrictions, and you can start redeeming with just 5,000 points.

Annual Fee

$0 intro annual fee for the first year of Card Membership, then $125.




Baggage Insurance Planyour baggage can be protected

Travel more comfortably knowing you can be covered by the Baggage Insurance Plan when you purchase the entire fare for a Common Carrier ticket (e.g. plane, train, ship, helicopter, or bus) on your eligible Card. Coverage can be provided for up to $1,250 for carry-on baggage and up to $500 for checked baggage. For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. Please read important exclusions and restrictions.

Premium Roadside Assistancetravel with more confidence

Whether you need a tow or a jumpstart, we'll send help your way 24 hours a day, 7 days a week. Emergency services like towing up to 10 miles, changing a flat, or jumpstarting a battery are a phone call away—even if you're in your driveway—and we will pay for included services up to four times a year. There are some vehicle exclusions and other important restrictions.

Car Rental Loss and Damage Insuranceyou can be protected on the road

Getting into your rental car can be the start of a great vacation. When you use your eligible Card to reserve and pay for the entire eligible auto rental and decline the collision damage waiver at the rental car counter, you can be covered if the car is damaged or stolen. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Ireland, Israel, Italy, Jamaica, and New Zealand. This product provides secondary coverage and does not include liability coverage.

Global Assist® Hotlineanswers and advice when traveling

Sometimes the unexpected happens when you travel. A passport is lost. You come down with a sudden illness. A lawyer is needed. Being a Card Member can make things easier. From pre-trip planning to finding an English-speaking doctor, Global Assist® Hotline is ready to help with coordination and assistance services when you travel more than 100 miles from home. Card Members are responsible for the costs charged by third-party service providers.

Travel Accident Insurancecan protect you and your family

Help protect yourself and your family with Travel Accident Insurance. This can provide coverage for accidental death and dismemberment while traveling on a Common Carrier (plane, train, helicopter, ship, or bus) when your entire fare** has been charged to the eligible Card. Please read important exclusions and restrictions.


Entertainment Access®

Find discounts and pre-sales to sporting events, concerts and more. Plus, enjoy access to Card Member-only events.


Extended Warrantyup to a year on eligible purchases

Why is it that as soon as a manufacturer's warranty runs out, something always seems to happen? When you use your American Express® Card for eligible purchases, you can get up to one extra year added to the original manufacturer's warranty. Applies to warranties of 5 years or less. Please read important exclusions and restrictions.

Purchase Protectioncan help put your mind at ease

When something you buy breaks or is stolen, Purchase Protection can have you covered. Use your Card for eligible purchases, and your purchases can be protected from accidental damage or theft for up to 90 days from the moment you buy them. Please read important exclusions and restrictions.

Return Protectionshop with more confidence

If you try to return an eligible item within 90 days from the date of purchase and the merchant won't take it back, American Express may refund the full purchase price (excluding shipping and handling), up to $300 per item, up to a maximum of $1,000 annually per Card account, if you purchased it entirely with your eligible American Express® Card. Please read important exclusions and restrictions.

Dispute Resolutioncan protect you and your credit

If there's a fraudulent or mistaken charge on your statement, simply let us know. American Express will work with you and the merchant to help resolve the issue.

Offer Terms
Benefit Terms
AMEX Assurance Disclosures
Rates and Fees

Overall Rating

4.3997 of 5 stars

Customer Service

4.5527864 of 5 stars

Card Benefits

4.137785 of 5 stars

What Other Cardmembers Are Saying

Absolutely LOVE my Gold Card. I really like the fact that it's a CHARGE card, NOT a CREDIT card, meaning I have to pay the balance...Read more

American Express® Gold Card

View all 4253 Reviews
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