American Express® Gold Card Review

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American Express® Gold Card Review

U.P. Rating ? The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

"Earn 4X Membership Rewards® points at restaurants worldwide and U.S. supermarkets."

This is the go-to card for food lovers who dine out at restaurants worldwide and those who want big rewards at U.S. supermarkets!

Apply Now at Amex's secure site

The release of the American Express® Gold Card is definitely a game-changer. 

With this card, you can earn 4X Membership Rewards® points at restaurants worldwide— but it doesn’t end there!

In addition, earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). There isn’t another card on the market that offers a 1-2 punch like this!

Of course, there are a number of other benefits as well, including a $100 annual airline credit, extra monthly dining rewards, and more! See here for all the details.

Card Snapshot

Card Fees

  • Annual Fee
    • $250
  • Foreign Transaction Fees
  • Interest Rates
    • Pay Over Time Feature: 17.74% to 24.74% Variable
  • Late fees ?
    • 29.99%
    • Fee: Up to $39
  • Cash Advance APR
    • 26.74% Variable
    • Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.
  • Additional Info
Alex Miller

About Alex Miller

Alex has been traveling for over 25 years and from a young age was lucky enough to set out on numerous family trips all over the world, which gave him the travel bug. Alex has since earned millions of travel points and miles, mainly through maximizing credit card sign-up bonuses and taking every opportunity to earn the most points possible on each dollar spent.

Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.


  1. Is this a “new” card or precluded from getting if you have previously
    had the Gold Card ?


    • Hey Rob, the Gold card and old PRG card are considered the same product, so you can only get the sign-up bonus once.


      • I recently used my boyfriend’s Gold Business card to book a trip which included 4 Delta Air Line tickets. The next day there were several charges ranging from 7.50 for trip delay insurance and 9.95 for baggage premium insurance? Is this an automatic charge? I didn’t request or need either. Is this something I can have removed off the card? It was almost 100.00?
        I appreciate your help. Thank you


        • Christine Krzyszton October 6, 2019

          Hi Patricia. First, please be advised that we are not American Express or Delta. We are Upgraded Points, a blog specializing in points, miles, credit card, and travel resources. You could call American Express at the number on the back of the card and inquire about the charges in question. Sorry we can’t help you further.


  2. Feroz Siddik October 5, 2018

    You may actually get a better offer for 50,000 points if you use a referral code.


Any thoughts or questions? Comment below!

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