American Express Gold Card

Paying full balance monthly anyway? The $500+ credit bundle can outweigh the $325 fee.

Last verified 2026-10-04

Legal entities

American Express (American Express National Bank)

Details

annual fee325 USD per year
purchase aprnot verified
penalty aprPrime Rate + 26.74%; applies for at least 6 months, reviewed every 6 months
signup bonus valuenot verified
signup bonus spend$8,000 in purchasesfirst 6 months of Card Membership
foreign transaction feenot verified
rewards summarydining: 4x; groceries: 4x; airfare_amextravel: 4x; hotels_amextravel: 3x; transit: 4x; streaming: 4x; other: 1x; source: https://www.americanexpress.com/us/credit-cards/card/gold-card/
credit scoreNo numeric minimum published by Amex

What people get wrong

Sources

Each URL and the specific claim it supports.

  1. www.americanexpress.com— Issuer pricing-and-terms and rewards documentation.retrieved 2026-10-04
  2. www.americanexpress.com— Issuer pricing-and-terms and rewards documentation.retrieved 2026-10-04
  3. www.americanexpress.com— Issuer pricing-and-terms and rewards documentation.retrieved 2026-10-04
  4. creditcards.chase.com— Ink Business Cash signup bonus (attempted; value unverified)retrieved 2026-10-04
  5. creditcards.chase.com— Chase Freedom rewards rates,Chase Freedom signup bonusretrieved 2026-10-04
  6. creditcards.chase.com— Freedom Unlimited rewards rates,Freedom Unlimited signup bonusretrieved 2026-10-04
  7. creditcards.chase.com— Sapphire Preferred referral program,Sapphire Reserve referral program,Freedom Unlimited referral program,Chase Freedom referral program,Ink Business Cash referral programretrieved 2026-10-04
  8. creditcards.chase.com— Sapphire Preferred intro APR (attempted; value unverified),Sapphire Preferred rewards rates,Sapphire Preferred signup bonusretrieved 2026-10-04
  9. creditcards.chase.com— Sapphire Reserve intro APR (attempted; value unverified),Sapphire Reserve rewards rates,Sapphire Reserve signup bonusretrieved 2026-10-04
  10. creditcards.wellsfargo.com— Active Cash intro APR,Active Cash purchase APR,Active Cash rewards rates,Active Cash signup bonusretrieved 2026-10-04
  11. creditcards.wellsfargo.com— Autograph Journey Visa annual fee,Autograph Journey Visa intro APR (attempted; value unverified),Autograph Journey Visa purchase APR (attempted; value unverified),Autograph Journey Visa late fee (attempted; value unverified),Autograph Journey Visa foreign transaction fee,Autograph Journey Visa rewards rates,Autograph Journey Visa signup bonusretrieved 2026-10-04
  12. creditcards.wellsfargo.com— Active Cash referral program,Autograph Journey Visa referral programretrieved 2026-10-04
  13. legal.cardless.com— Bilt Blue Card purchase APR,Bilt Blue Card late fee,Bilt Blue Card foreign transaction fee,Bilt Obsidian Card purchase APR,Bilt Obsidian Card late fee,Bilt Obsidian Card foreign transaction fee,Bilt Palladium Card purchase APR,Bilt Palladium Card late fee,Bilt Palladium Card foreign transaction feeretrieved 2026-10-04
  14. sites.chase.com— Freedom Unlimited annual fee,Freedom Unlimited intro APR,Freedom Unlimited purchase APR,Freedom Unlimited late fee,Freedom Unlimited foreign transaction feeretrieved 2026-10-04
  15. sites.chase.com— Sapphire Reserve annual fee,Sapphire Reserve intro APR (attempted; value unverified),Sapphire Reserve purchase APR,Sapphire Reserve late fee,Sapphire Reserve foreign transaction feeretrieved 2026-10-04
  16. sites.chase.com— Ink Business Cash annual fee,Ink Business Cash intro APR,Ink Business Cash purchase APR,Ink Business Cash late fee,Ink Business Cash foreign transaction fee,Ink Business Cash rewards rates,Ink Business Cash signup bonus (attempted; value unverified)retrieved 2026-10-04
  17. sites.chase.com— Sapphire Preferred annual fee,Sapphire Preferred intro APR (attempted; value unverified),Sapphire Preferred purchase APR,Sapphire Preferred late fee,Sapphire Preferred foreign transaction feeretrieved 2026-10-04
  18. sites.chase.com— Chase Freedom annual fee,Chase Freedom intro APR,Chase Freedom purchase APR,Chase Freedom late fee,Chase Freedom foreign transaction feeretrieved 2026-10-04
  19. www.ally.com— High Yield CD APY,High Yield CD minimum to open,High Yield CD minimum to avoid fees,High Yield CD monthly fee,High Yield CD deposit insurance,High Yield CD withdrawal/overdraft,High Yield CD monthly transfer limitsretrieved 2026-10-04
  20. www.ally.com— Ally Money Market Account APY,Ally Money Market Account minimum to open,Ally Money Market Account minimum to avoid fees,Ally Money Market Account monthly fee,Ally Money Market Account deposit insurance,Ally Money Market Account withdrawal/overdraft,Ally Money Market Account monthly transfer limitsretrieved 2026-10-04
  21. www.ally.com— Ally Bank Savings Account (Online Savings) minimum to open,Ally Bank Savings Account (Online Savings) minimum to avoid fees,Ally Bank Savings Account (Online Savings) monthly fee,Ally Bank Savings Account (Online Savings) deposit insurance,Ally Bank Savings Account (Online Savings) withdrawal/overdraft,Ally Bank Savings Account (Online Savings) monthly transfer limitsretrieved 2026-10-04
  22. www.ally.com— Ally Bank Savings Account (Online Savings) APYretrieved 2026-10-04
  23. www.ally.com— Ally Bank Savings Account (Online Savings) referral program,Ally Money Market Account referral program,High Yield CD referral programretrieved 2026-10-04
  24. www.americanexpress.com— American Express High Yield Savings Account monthly transfer limits (attempted; value unverified)retrieved 2026-10-04
  25. www.americanexpress.com— American Express High Yield Savings Account APY,American Express High Yield Savings Account minimum to open,American Express High Yield Savings Account minimum to avoid fees,American Express High Yield Savings Account monthly fee,American Express High Yield Savings Account deposit insurance,American Express High Yield Savings Account withdrawal/overdraft,American Express High Yield Savings Account monthly transfer limits (attempted; value unverified),American Express High Yield Savings Account referral programretrieved 2026-10-04
  26. www.americanexpress.com— American Express Business Gold Card annual fee (attempted; value unverified),American Express Business Gold Card purchase APR (attempted; value unverified)retrieved 2026-10-04
  27. www.americanexpress.com— American Express Business Gold Card annual fee (attempted; value unverified),American Express Business Gold Card intro APR (attempted; value unverified),American Express Business Gold Card late fee (attempted; value unverified),American Express Business Gold Card foreign transaction fee (attempted; value unverified),American Express Business Gold Card rewards rates (attempted; value unverified),American Express Business Gold Card signup bonus (attempted; value unverified)retrieved 2026-10-04
  28. www.bilt.com— Bilt Blue Card annual fee,Bilt Blue Card intro APR,Bilt Blue Card rewards rates,Bilt Blue Card signup bonus,Bilt Blue Card referral program,Bilt Obsidian Card annual fee,Bilt Obsidian Card intro APR,Bilt Obsidian Card rewards rates,Bilt Obsidian Card signup bonus,Bilt Obsidian Card referral program,Bilt Palladium Card annual fee,Bilt Palladium Card intro APR,Bilt Palladium Card rewards rates,Bilt Palladium Card signup bonus,Bilt Palladium Card referral programretrieved 2026-10-04
  29. www.capitalone.com— 360 Performance Savings monthly transfer limits (attempted; value unverified)retrieved 2026-10-04
  30. www.capitalone.com— 360 Performance Savings APY,360 Performance Savings minimum to open,360 Performance Savings minimum to avoid fees,360 Performance Savings monthly fee,360 Performance Savings deposit insurance,360 Performance Savings withdrawal/overdraft,360 Performance Savings monthly transfer limits (attempted; value unverified)retrieved 2026-10-04
  31. www.capitalone.com— 360 Performance Savings monthly transfer limits (attempted; value unverified)retrieved 2026-10-04
  32. www.capitalone.com— Venture annual fee,Venture intro APR (attempted; value unverified),Venture purchase APR,Venture late fee (attempted; value unverified),Venture foreign transaction fee,Venture rewards rates,Venture signup bonusretrieved 2026-10-04
  33. www.capitalone.com— SavorOne Rewards referral program,SavorOne Rewards (current 3% all-categories generation) referral program,Venture referral program,360 Performance Savings referral programretrieved 2026-10-04
  34. www.capitalone.com— SavorOne Rewards annual fee,SavorOne Rewards intro APR,SavorOne Rewards purchase APR,SavorOne Rewards late fee (attempted; value unverified),SavorOne Rewards foreign transaction fee,SavorOne Rewards rewards rates,SavorOne Rewards signup bonusretrieved 2026-10-04
  35. www.capitalone.com— SavorOne Rewards late fee (attempted; value unverified)retrieved 2026-10-04
  36. www.capitalone.com— SavorOne Rewards (current 3% all-categories generation) annual fee,SavorOne Rewards (current 3% all-categories generation) intro APR (attempted; value unverified),SavorOne Rewards (current 3% all-categories generation) purchase APR,SavorOne Rewards (current 3% all-categories generation) late fee (attempted; value unverified),SavorOne Rewards (current 3% all-categories generation) foreign transaction fee (attempted; value unverified),SavorOne Rewards (current 3% all-categories generation) rewards rates,SavorOne Rewards (current 3% all-categories generation) signup bonus (attempted; value unverified)retrieved 2026-10-04
  37. www.capitalone.com— Venture X annual fee,Venture X intro APR (attempted; value unverified),Venture X purchase APR,Venture X late fee (attempted; value unverified),Venture X foreign transaction fee (attempted; value unverified),Venture X rewards rates,Venture X rewards rates (attempted; value unverified),Venture X signup bonus (attempted; value unverified),Venture X credit score requirement,Venture X referral programretrieved 2026-10-04
  38. www.cardbenefits.citi.com— Citi Premier rewards rates,Citi Premier signup bonus (attempted; value unverified)retrieved 2026-10-04
  39. www.citi.com— Citi Double Cash annual fee,Citi Double Cash intro APR (attempted; value unverified),Citi Double Cash purchase APR,Citi Double Cash late fee,Citi Double Cash foreign transaction fee,Citi Double Cash signup bonus (attempted; value unverified)retrieved 2026-10-04
  40. www.citi.com— Citi Premier annual fee,Citi Premier intro APR,Citi Premier purchase APR,Citi Premier late fee,Citi Premier foreign transaction feeretrieved 2026-10-04
  41. www.citi.com— Citi Double Cash intro APR (attempted; value unverified),Citi Double Cash rewards rates,Citi Double Cash signup bonus (attempted; value unverified)retrieved 2026-10-04
  42. www.citi.com— Citi Premier signup bonus (attempted; value unverified)retrieved 2026-10-04
  43. www.citi.com— Citi Premier signup bonus (attempted; value unverified)retrieved 2026-10-04
  44. www.citi.com— Citi Premier referral program,Citi Double Cash referral programretrieved 2026-10-04
  45. www.firsttechfed.com— First Tech Rewards Savings APY,First Tech Rewards Savings minimum to open,First Tech Rewards Savings minimum to avoid fees,First Tech Rewards Savings monthly fee,First Tech Rewards Savings deposit insurance,First Tech Rewards Savings withdrawal/overdraft,First Tech Rewards Savings monthly transfer limits (attempted; value unverified),First Tech Rewards Savings referral programretrieved 2026-10-04
  46. www.firsttechfed.com— First Tech Rewards Savings monthly transfer limits (attempted; value unverified)retrieved 2026-10-04
  47. www.sofi.com— SoFi Savings Account minimum to open,SoFi Savings Account minimum to avoid fees,SoFi Savings Account monthly fee,SoFi Savings Account deposit insurance,SoFi Savings Account withdrawal/overdraft,SoFi Savings Account monthly transfer limits (attempted; value unverified)retrieved 2026-10-04
  48. www.sofi.com— SoFi Savings Account APY,SoFi Savings Account monthly transfer limits (attempted; value unverified)retrieved 2026-10-04
  49. www.sofi.com— SoFi Savings Account referral programretrieved 2026-10-04
  50. www.usbank.com— Bank Smartly Savings APY,Bank Smartly Savings minimum to open,Bank Smartly Savings minimum to avoid fees,Bank Smartly Savings monthly fee,Bank Smartly Savings deposit insurance,Bank Smartly Savings withdrawal/overdraft,Bank Smartly Savings monthly transfer limits (attempted; value unverified),Bank Smartly Savings referral programretrieved 2026-10-04
  51. www.usbank.com— Bank Smartly Savings monthly transfer limits (attempted; value unverified)retrieved 2026-10-04
  52. www.wealthfront.com— Cash Account APY,Cash Account minimum to open,Cash Account minimum to avoid fees,Cash Account monthly fee,Cash Account deposit insurance,Cash Account withdrawal/overdraft,Cash Account monthly transfer limits,Cash Account referral programretrieved 2026-10-04
  53. www.wellsfargo.com— Active Cash annual fee,Active Cash late fee,Active Cash foreign transaction feeretrieved 2026-10-04
  54. www.wellsfargo.com— Autograph Journey Visa purchase APR (attempted; value unverified)retrieved 2026-10-04