How Much Is the American Express® Gold Card Annual Fee? (2024)

FAQs

How Much Is the American Express® Gold Card Annual Fee? ›

The Amex Gold Card charges $325 per year for members, and this fee is not waived the first year. Meanwhile, there are many cash back credit cards and general rewards cards that don't charge an annual fee at all.

The American Express^® Gold Card has a $325 annual fee¹ and comes with over $400 annually in benefits value across dining and travel. The annual fee is charged on your Card anniversary date, and the charge will appear on your monthly billing statement.

Alternatively, you can call the issuer's retention line, but it is not guaranteed that it will work. Beyond that, you're unlikely to get your credit card's annual fee waived unless you're an active-duty member of the military....

All in all, the Amex Gold was flexible and offered plenty of value before the changes. Plus, just the dining and Uber Cash credits alone were enough to offset $240 out of the previous $250 annual fee.

If you're on the fence about whether it's worth continuing to pay the fee, you can call and ask Amex to waive or lower it. You might not be successful at having the fee waived, but American Express is known to offer generous retention bonuses instead.

In the end, the American Express Gold Card is still worth it if you make regular use of its dining, Uber Cash and new Dunkin' or Resy credits, at the least. The flexibility of the dining credit and Uber Cash benefit makes earning rewards easy.

The Amex Gold card is an incredible option for earning travel rewards at restaurants and U.S. supermarkets. But the annual fee and lower rewards value for non-travel options make this a poor fit if you're an occasional traveler or looking for cash back for everyday spending.

Rather than paying in full each month, you can choose to use Pay Over Time to carry a balance on your Card with interest. Plus, you'll still earn rewards on purchases as you normally would.

If the Card is cancelled or expires, you must not use it for any purpose, and you must destroy it at once. (3) If you cancel the Card, we will refund the annual fee if you notify us of your intention to do so within 30 days of the date of the statement on which the annual fee appears.

Earn 20,000 bonus Membership Rewards^® points

Just pay off your balance in full every month. Annual FeeNo Annual Fee for the first 12 months, and then it's just £195 per year after that.

Why does Amex Gold have no limit? ›

Because your Card is a Charge Card, rather than a Credit Card, you pay your balance in full each month. As a Charge Card, you'll have the financial flexibility of no pre-set spending limit on purchases, which provides you the opportunity to maximize your Membership Rewards points earned.

Although the American Express® Gold Card and the American Express® Business Gold Card don't come with the ability to enter lounges, it does provide a variety of other benefits. While most of these are food-focused, the card does offer some decent travel insurance, including trip delay insurance.

American Express® Gold Card

Weight: 14.7 grams.

The Amex Gold Card charges $325 per year for members, and this fee is not waived the first year. Meanwhile, there are many cash back credit cards and general rewards cards that don't charge an annual fee at all.

The American Express® Gold Card is considered a luxury card since it's a metal card with impressive rewards on dining, groceries, and travel.

Unless your credit score is 700 or higher and you have a lot of income, it will be very hard for you to get approved for the Amex Gold card. In order to get the Amex Gold card, you will have to meet the credit score requirement, have a steady income and be at least 18 years old. You'll also need to have an SSN or ITIN.