American Express® Gold Rewards Card
AMERICAN EXPRESSEveryday rewards
American Express® Gold Rewards Card
8.4Canada Cards ScoreExcellentWelcome bonus
~$1200
Earn up to 60,000 Membership Rewards points in your first year
Why get this card
- ✓Big welcome bonus worth ~$1200
- ✓Bonus covers 4× the annual fee
- ✓Earn 2x on travel
- ✓4 airport lounge visits
Pros
- +Big welcome bonus worth about $1200
- +4 airport lounge visits included
Cons
- -Steep $250 annual fee
- -High 21.99% purchase interest rate
Earn rates
- Travel2x
2X points per $1
- Everyday purchases (eligible gas, grocery, drugstore)2x
2X points per $1
- Everything else1x
1X points per $1
- Amex Travel Online1x
1 additional point per $1
Welcome offer
Earn up to 60,000 Membership Rewards points in your first year
- Est. cash value
- ~$1200
- Bonus points
- 60,000
- Minimum spend
- $1,000
- Spend window
- 30 days
- Offer ends
- —
Earn 5,000 Membership Rewards points for each monthly billing period in which you spend $1,000 on the Card in your first year as a new Gold Rewards Cardmember, up to 60,000 points.
Is this a record high? See the bonus history →Fees
- Annual fee
- $250
- Additional card
- $50
- Foreign transaction fee
- —
$50 annual fee for Additional Gold Rewards Cards
Interest rates
- Purchase APR
- 21.99%
- Cash advance APR
- 21.99%
- Balance transfer APR
- —
- Grace period
- —
- Rate effective date
- —
Benefits & insurance
- Lounge access
- 4 visits (Plaza Premium Lounge)
- Insurance coverages
- 1
- Travel insurance coverage
Redemption & eligibility
- Reward currency
- Membership Rewards points
- Redemption options
- Use Points for Purchases (1,000 points = $10), Flexible Points Travel Program, Gift cards, Merchandise
- Transfer partners
- —
- Min. personal income
- —
- Min. household income
- —
How we scored it
8.4Excellent- Everyday earn rateWeight 30
2x on Travel (≈4.0¢/$)
- Welcome valueWeight 25
~$1200 estimated
- Annual-fee valueWeight 20
$250 annual fee
- Benefits depthWeight 15
1 insurance coverages, 4 lounge visits
- Interest costWeight 10
21.99% purchase APR
Our editorial rating, computed only from sourced figures. See the full methodology.
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Learn before you apply
Frequently asked
- Is the American Express® Gold Rewards Card worth it?
- It carries a $250 annual fee and a welcome offer worth about $1200, for an estimated first-year value of +$950. Big welcome bonus worth ~$1200. Compare it against similar cards below before deciding.
- What is the annual fee and interest rate on the American Express® Gold Rewards Card?
- The annual fee is $250. The purchase interest rate is 21.99% and the cash advance rate is 21.99%. These are sourced from American Express's official page.
- What rewards does the American Express® Gold Rewards Card earn?
- It earns up to 2x on travel, in Membership Rewards points. See the full earn-rate breakdown above.
More ways to compare
Official sources
Every figure on this page comes from American Express's own pages. Last checked 2026-06-13.
Cited, never sponsored
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