RewardsTravelAmerican Express

American Express Gold Rewards Card

American Express

Well-rounded rewards card with 2X on travel and everyday purchases, $100 annual travel credit, and complimentary lounge access.

The American Express Gold Rewards Card is a American Express American Express card with a $250 annual fee. It earns 2 MR points per $1 on Travel (flights, hotels, car rentals). Listed welcome offer value: $600 towards travel.

Last updated October 8, 2026Source: issuer page

Key facts

Annual fee: $250
Purchase interest rate: 21.99%
Cash advance rate: 21.99%
Earn rates: 2 MR points per $1 on Travel (flights, hotels, car rentals); 2 MR points per $1 on Gas, groceries, drugstores in Canada; 1 MR point per $1 on All other purchases
Welcome offer: $600 towards travel
Foreign transaction fee: 2.5%
Income requirement: Not listed

How this score is calculated

Formula

Net annual value(50%)2.1
Welcome bonus(15%)5.0
Foreign transaction fee(10%)2.5
Insurance & perks(15%)4.4
Purchase interest rate(10%)2.5

What are the fees and rates?

Verified 2026-10-08

Annual Fee

$250

Additional card: $50

Purchase Interest Rate

21.99%

Cash advance: 21.99%

Foreign Transaction Fee

2.5%

What rewards does this card earn?

The American Express Gold Rewards Card earns 2 MR points per $1 on Travel (flights, hotels, car rentals).

Travel (flights, hotels, car rentals)

2 MR points per $1

Gas, groceries, drugstores in Canada

2 MR points per $1

All other purchases

1 MR point per $1

Is there a welcome offer?

Yes. The listed welcome offer value is $600 towards travel.

Up to 60,000 Membership Rewards points: earn 5,000 points per month when you spend $1,000 in each of your first 12 months

Value: $600 towards travel

New cardmembers only

Pros

Strong 60,000 point welcome bonus potential
$100 annual travel credit
4 free Plaza Premium Lounge visits
First additional card free
Comprehensive travel insurance

Cons

$250 annual fee
2.5% foreign transaction fee
Amex acceptance limited

What perks are included?

$100 Annual Travel Credit via Amex Travel Online
4 complimentary Plaza Premium Lounge visits per year
Priority Pass worldwide lounge access (entry fees apply)
$50 NEXUS statement credit
Hertz Gold Plus Rewards Five Star status
First additional card free ($50 value)

What insurance is included?

Travel Emergency Medical – Up to $5M for 15 days (under 65)

Trip Cancellation – Up to $1,500/person, $3,000 total

Trip Interruption – Up to $1,500/person, $6,000 total

Flight Delay – Up to $500

Baggage Insurance – Up to $500 per trip

Car Rental Insurance – Up to $85,000 MSRP, 48 days

Purchase Protection – Up to $1,000 for 90 days

Extended Warranty – Up to 1 year

Frequently asked questions

What is the annual fee on the American Express Gold Rewards Card?

The American Express Gold Rewards Card has a $250 annual fee.

What rewards does the American Express Gold Rewards Card earn?

2 MR points per $1 on Travel (flights, hotels, car rentals); 2 MR points per $1 on Gas, groceries, drugstores in Canada; 1 MR point per $1 on All other purchases

What is the purchase interest rate on the American Express Gold Rewards Card?

The purchase interest rate is 21.99%. The cash advance rate is 21.99%.

Is there a welcome offer on the American Express Gold Rewards Card?

Up to 60,000 Membership Rewards points: earn 5,000 points per month when you spend $1,000 in each of your first 12 months Listed value: $600 towards travel.

Last updated October 8, 2026Source: issuer page

Annual Fee

$250

Apply Now

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