American Express Gold Card Review With Pro And Cons – 18 Points

1. American express gold card offers great rewards on travel, dining and supermarket. It also offers annual dining credit and annual airline fee credit with other perks. This card worth $250 annual fee.

2. Sign up Bonus:

Earn 35,000 Points after you spend $2,000 on purchases within first 3 months of account opening.

3. Reward Rate:

Earn 4X Membership Rewards points when you dine at restaurants worldwide.
Earn 4X Membership Rewards points at US supermarkets, on up to $25,000 per year in purchases.
Earn 3X Membership Rewards points on flights booked directly with airlines or on
1 point per dollar on other purchases

4. Annual Fee:


5. Regular Apr:


6. Intro Apr:


7. Credit Needed:

690 – 850 Good to Excellent

8. Foreign Transaction Fee:


9. Pros:

Great reward rate on restaurant, super market and flight booking.
$100 airline fee credit
Welcome bonus
No foreign transaction fee
Dining credit
Points Transfer partners

10. Cons:

$250 annual fee
No lounge membership
It’s not accepted everywhere
Need excellent credit
It is charge card

11. Points Redemption:

Points dont expire and no blackout dates.
You can redeem points for travel,charity, shopping and gift cards.
Transfer points to delta airlines and other many airlines.

12. Customer Experience:

24/7 customer service?:
Online chat available?:
Google Play Store mobile app rating:
Apple Store mobile app rating:

13. Other Benefits:

$100 annual airline fee credit.
$120 annual dining credit (on select purchase)
Purchase Protection
Return protection
No Foreign transaction fee
Book The Hotel Collection with American Express Travel and get $100 hotel credit
Baggage insurance
Travel accident insurance
Roadside assistance
Free ShopRunner membership

14. APR for Cash Advances:


15. Penalty APR:


16. Cash Advance Fee:

5% Min $10

17. Late Payment Fee:

Up to $39

18. Get American Express Gold Card:

If you fly frequently.
If you spend significant at supermarket and restaurant.
If you want flexible point redemption.
If you want welcome bonus.
If you prefer charge card.
If you can take advantage of $100 airline fee credit and $120 dining credit.

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