The American Express® Gold Card is a rewards card that earns Membership Rewards® points. It is a pay-in-full card with a Pay Over Time feature.
You can carry eligible purchases with interest up to a Pay Over Time limit.
You earn extra points on dining, U.S. supermarkets, and flights. There are no foreign transaction fees. Terms apply.
Annual Fee and Key Rates
Variable APRs move with the Prime Rate and will not exceed 29.99%. Read your agreement for full definitions.
- Annual fee: $325.
- Pay Over Time APR (variable): Prime Rate + 12.74% to Prime Rate + 21.74%.
- Cash advance APR (variable): Prime Rate + 21.99%.
- Penalty APR (variable): Prime Rate + 26.74%.
- Plan It® fee: up to 1.33% of each purchase placed in a plan, charged monthly while a plan is active.
- Cash advance fee: $10 or 5% of the amount, whichever is greater.
- Late fee: up to $40.
- Returned payment fee: up to $40.
Points You Earn
4X points at restaurants worldwide, including U.S. takeout and delivery. Earn on up to $50,000 per calendar year, then 1X.
4X points at U.S. supermarkets. Earn on up to $25,000 per calendar year, then 1X.
3X points on flights booked directly with airlines or through AmexTravel.com.
2X points on prepaid hotels and other eligible travel booked on AmexTravel.com.
Dining and Ride Credits (enrollment required)
These statement credits are available when you enroll and use the card at eligible partners. Unused monthly amounts do not roll over.
- $120 Dining Credit: Up to $10 per month at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys.
- $120 in Uber Cash: $10 per month for U.S. Uber rides or Uber Eats after you add your card to the Uber app and select an Amex card for the transaction.
- $100 Resy Credit: Up to $100 per calendar year on eligible Resy purchases at U.S. restaurants when you pay with the card.
- $84 Dunkin’ Credit: Up to $7 per month at U.S. Dunkin’ locations.
How to Apply For The American Express® Gold Card
Go to the official American Express website and open the Gold Card page. Review “Rates & Fees” and the “Offer & Benefit Terms.”
Select Apply Now.
Enter your full legal name, SSN or ITIN, date of birth, U.S. residential address, total annual income, email, and phone.
Review disclosures and submit the application.
By phone
General customer service (existing accounts): 1-800-528-4800 (24/7).
Application status line: 1-877-239-3491 (typical U.S. hours).
If you received a targeted invitation, use the number shown on that mailer.
What Amex reviews
Amex looks at your credit profile, reported income, existing obligations, and internal history with Amex (if any).
Exact approval criteria are not public. Check your credit reports for accuracy before you apply. Make sure your income figure is complete and truthful.
After approval: first setup steps
Activate the card and set autopay. Enroll in the Dining, Resy, and Dunkin’ credits. Add the card to the Uber app for monthly Uber Cash.
Turn on account alerts. If you travel, add the card to your mobile wallet and confirm international use. Use 4X categories first.
Book flights direct or via AmexTravel.com for 3X. Track monthly credits so you do not leave value unused.
How Pay Over Time Works (simple overview)
If Pay Over Time is active, eligible new charges automatically move into your Pay Over Time balance, up to your Pay Over Time limit.
You can instead pay your Total New Balance in full, pay the Minimum Payment Due, or any amount between. Interest applies to Pay Over Time balances.
Cash advances accrue interest from the transaction date. Plan It® lets you split qualifying purchases into monthly payments with a fixed fee.
Certain charges never qualify (for example, cash equivalents). Your Pay Over Time limit is not a spending limit.
Contact Details (phone and addresses)
American Express – Customer Service (U.S.): 1-800-528-4800 (24/7).
Application Status (U.S.): 1-877-239-3491.
Bill payment by mail: American Express, P.O. Box 96001, Los Angeles, CA 90096-8000.
General inquiries by mail: American Express, P.O. Box 981535, El Paso, TX 79998-1535.
Corporate headquarters (do not send payments): American Express Company, 200 Vesey Street, New York, NY 10285; (212) 640-2000.
Is The American Express® Gold Card a Fit For You?
Choose this card if you often spend at restaurants and U.S. supermarkets. You should plan to enroll and actually use the monthly credits.
Run the math: if you capture most of the $120 Dining, $120 Uber Cash, $100 Resy, and $84 Dunkin’ each year, you can offset the $325 fee.
If you seldom dine out, buy limited groceries, or will not track monthly credits, the value drops.
Avoid carrying a balance if you can; the APRs are high compared with typical personal loans.
Amex Cards Comparison
Here’s a clean side-by-side so you can see where the Amex Gold fits.
| Card | Annual fee (USD) | Rewards highlights | Foreign transaction fee | Lounge access | Best for |
|---|---|---|---|---|---|
| American Express® Gold Card | $325 | 4X restaurants worldwide; 4X U.S. supermarkets (up to $25k/yr); 3X flights booked directly or via Amex Travel. | None. | No | Dining + grocery spend; simple travel earn |
| The Platinum Card® from American Express | $895 (new apps from Sep 18, 2025) | 5X points on flights (direct or Amex Travel, up to $500k/yr) and prepaid hotels on Amex Travel. | None. | Yes (Global Lounge Collection) | Frequent travelers who’ll use lounges and credits |
| American Express® Green Card | $150 | 3X travel, transit, and restaurants worldwide. | None. | No | Low annual fee travel earners |
| Blue Cash Preferred® Card from American Express | $95 | 6% U.S. supermarkets (up to $6k/yr); 6% select U.S. streaming; 3% U.S. transit & gas. | 2.7% | No | High U.S. grocery/streaming spend (cash back) |
| Blue Cash Everyday® Card from American Express | $0 annual fee | 3% U.S. supermarkets, 3% U.S. online retail, 3% U.S. gas (each up to $6k/yr). | 2.7% | No | No-fee everyday cash back |
| Amex EveryDay® Credit Card | $0 annual fee | 2X U.S. supermarkets (up to $6k/yr) + 20% extra points after 20+ purchases in a billing period. | 2.7% | No | No-fee Membership Rewards® starter |
Conclusion
You can apply for American Express® Gold Card online in minutes or call if you prefer phone help.
The card is strong if your spending leans towards dining and groceries, and you will use the monthly credits.
Review the APRs and fees before you decide to carry a balance. If the perks match your habits, this card delivers solid, recurring value.
Disclaimer: Information here reflects official American Express disclosures and product pages available today. Rates, fees, categories, partners, and credit amounts change. Welcome offers are variable. Always review the Rates & Fees, Benefit Terms, and your Cardmember Agreement before you apply or use the card. This article is not financial advice. Make decisions based on your budget, your credit profile, and the issuer’s current terms.
