Is the Amex Gold Card 90K Welcome Bonus Offer Still Available? [Current Public Offer Is as High as 100K]

The American Express^® Gold Card has featured a range of welcome offers over the years, including bonus offers of around 90,000 Membership Rewards points. However, not all applicants will see the same bonus offer, and some may be targeted to earn as high as 100,000 points.

This guide explains the current bonus offers that may be available and the steps to check your eligibility before applying for the Amex Gold card.

Targeted offers are discussed in the article below. Please note that these offers are not available to all applicants. Any information related to targeted offers has been collected independently and has not been reviewed or provided by the card issuer.

Amex Gold Card Welcome Bonus Offer

You can find a variety of welcome offers for the Amex Gold card, depending on how and when you apply.

The current public offer is: Apply and find out if you're eligible for as high as 100,000 points after spending $8,000 in eligible purchases in the first 6 months. Welcome offers vary, and you may not be eligible for an offer.

We value Membership Rewards points at 2.2 cents per point on average, so the current welcome offer is worth up to $2,200. Using those same numbers, 90,000 points are worth about $1,980, and a 60,000-point bonus offer is worth about $1,320.

There are a few different methods you can try to find these offers:

Option 1: Check on Amex Directly (Try This First)

If you want to pick up the Amex Gold card, we recommend you check first directly on the American Express website.

The current public offer is: Apply and find out if you're eligible for as high as 100,000 points after spending $8,000 in eligible purchases in the first 6 months. Welcome offers vary, and you may not be eligible for an offer.

While you could earn as high as 100,000 bonus points after spending $8,000 in 6 months, not everyone will be eligible for this amount. The exact welcome offer you’re eligible for will be revealed after you submit your application and are approved for the Amex Gold card — all without affecting your credit score, though your score may be impacted if accept the card.

To get started, click Apply Now on the card’s landing page and provide your personal information on the following page. If you already have an American Express account, you can log in to have this information pre-filled on your behalf.

American Express conducts a soft credit check to approve you and determine the welcome bonus offer amount. If you decide to exit the application after discovering your welcome offer amount, your credit score won’t be impacted. However, your credit score may be affected if you accept your new card (Source: American Express).

However, our writers have seen that American Express will offer an elevated offer directly to targeted applicants. As with all targeted offers, these offers aren’t available to all applicants. Here’s an example of a targeted 100,000-point bonus offer our team has found when applying directly on American Express:

Here’s an example of a targeted 90,000-point offer we’ve found directly through American Express from June 2025:

Fill out the application first, and then see a personalized welcome offer. Amex only conducts a hard inquiry on your credit report if you decide to accept the offer and open an account.

Option 2: Check on CardMatch

If you strike out on the American Express website, the second method we recommend is checking through the CardMatch tool. This tool completes a soft credit check to see if you’re eligible for any elevated offers. Like the Amex check, it’s not a hard pull, so it won’t count against your credit.

To receive matches, you need to provide personal information such as your name, address, and email address.

You can also look for targeted email offers, so long as you opt in to receive new card and credit offers in your Amex account’s general marketing email preferences.

After logging in, you can enroll for these by first clicking on the tab called “Account Services” in the top menu, then choosing the selection entitled “Alerts and Communications.” In this section, click on the choice that says “Marketing Email Preferences” to opt in for notifications about targeted offers.

Option 3: Snag a Referral

The highest welcome offers we’re currently seeing are targeted referral offers. Find a friend (or 2) with an Amex Gold card, have them send you their link, and check if it’s for the 90,000-point bonus. If not, try again.

Key Card Details

The Amex Gold card is one of many Amex cards that earn Membership Rewards points. It carries an annual fee of $325 (rates & fees), but strong benefits to match (Source: American Express).

• 4x points at restaurants, including takeout and delivery in the U.S. (up to $50,000 per year, then 1x), and 4x points at U.S. supermarkets (up to $25,000 per year, then 1x), 3x points on flights booked through AmexTravel.com and the Amex Travel App, 2x points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com, and 1x points on all other eligible purchases
• $10 monthly Uber Cash for rides and Uber Eats orders in the U.S. (up to $10 per month, and you must add your Amex Gold card to your Uber account). An Amex card must be selected as the payment method for your transaction to redeem the Amex Uber Cash benefit
• Up to $10 monthly dining credit, which is good at Grubhub, the Cheesecake Factory, Buffalo Wild Wings, Wonder, and Five Guys
• Up to $50 semi-annual Resy credit for eligible U.S. Resy restaurant purchases
• Up to $7 monthly Dunkin’ credit redeemable at U.S. Dunkin’ locations

Just note that prior enrollment is required for many of these benefits.

Best Ways To Use Your 90K to 100K Amex Points

If you’ve got 90,000 Amex Membership Rewards points, you may want to consider how to spend them. You have a range of options given the number of Amex transfer partners:

• Fly United Polaris to Europe and back: ANA Mileage Club charges just 100,000 miles round-trip for a United Polaris business class flight to Europe.
• Book 3 flights to French Polynesia: Qantas Frequent Flyer charges just 29,000 miles one-way for an economy class flight from Los Angeles International Airport (LAX) to Papeete (PPT).
• Spend 11 nights in Japan: Transfer points to Choice Privileges and book hotels for as few as 8,000 points per night.

Easy Ways To Meet the Minimum Spend

With any welcome offer, there’s a required minimum spend threshold. For the Amex Gold card, you get a generous 6 months to spend $8,000 on purchases to earn the bonus offer.

During this initial qualification period, you should focus on shifting nearly all of your routine spend to the Amex Gold card, even if you won’t earn bonus points on certain purchases like gas or bills. Some travelers find it worth it to pay for expenses that may incur a small surcharge, such as rent or insurance payments, just to reach the finish line faster.

These strategies can be worthwhile until you earn the welcome offer, and then you can use the Amex Gold card where it really shines to earn up to 4x points. Just note it can take up to 8 to 10 weeks for the bonus points to arrive to your account once you meet the minimum spend (Source: American Express).

Who Is Eligible for the Amex Gold Card’s Welcome Offer?

It’s recommended to have a good to excellent credit score to qualify for the Amex Gold card. However, there are also some additional considerations to know whether you’re eligible for its welcome offer.

Primarily, cardmembers can earn a welcome offer on each American Express card only once per lifetime. If you currently have the Amex Gold card or have previously earned its welcome offer, you likely won’t qualify for another bonus offer.

There’s also some card family restrictions, as Amex also considers other Membership Rewards cards you’ve held within the same family. For example, if you currently have or previously had the higher-tier Platinum Card^® from American Express, you may not be eligible for the Amex Gold card’s welcome offer.

However, in most cases, eligibility is determined on a case-by-case basis, and the easiest way to find out is by submitting an application. Before American Express performs a hard credit inquiry, it will let you know if you aren’t eligible for the welcome offer, with a notification commonly referred to as “pop-up jail.”

If you receive this message, you can choose to continue with the application — without the bonus offer — or withdraw your application without affecting your credit score. If there is no pop-up message in sight, you’ll be shown the welcome offer you’re eligible for before accepting the new account.

Is 90K the Highest Amex Gold Card Bonus Offer Ever?

90,000 points is a huge sum of points, but that isn’t the highest welcome offer on the Amex Gold card.

Currently, applicants can earn as high as 100,000 Membership Rewards points for eligible applicants who meet the required spending threshold. However, these elevated bonus offers aren’t available to everyone and are shown only to selected applicants during the application process.

Final Thoughts

When applying for the Amex Gold card, you may come across 90,000 points, though the current bonus offer opportunity is as high as 100,000 points. Before you apply, make sure to pay close attention to the eligibility criteria and any messages you may encounter during the application process.