American Express® Gold Card

Earn 10K Membership Rewards® points, redeemable for select gift cards valued at $100, when you spend $1,000 in your first 3 months of Card membership Exclusive access to Gold Card Events -- select concerts, shows, major sporting events, and more Purchase Protection covers loss, theft, and damage of eligible items within 90 days of purchase Redeem Membership Rewards® points for an exclusive array of travel, shopping, dining and entertainment rewards. Get approved in 60-seconds. CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed N/A* N/A* N/A* $125* No* Good Credit*

Review: American Express® Gold Card

Type of credit needed: Good Credit

Type of card: Charge/Rewards

Issued by: American Express™

Overview: The American Express® Gold Card is ideal for those who consistently pay off their balance in full each month. Cardholders can enroll in the Membership Rewards Program at no additional cost. After they make their first qualifying purchase, they earn bonus points that can be redeemed for a gift card. After that, they earn points for every dollar spent, which can be used towards airline tickets and various other rewards. In addition to benefits offered to most American Express cardholders, like purchase protection, travel accident insurance, and discounts on certain products and services, this card also provides access to Gold Card Events. Cardholders can access exclusive tickets for some shows and concerts. The major downside of this card is the high annual fee for both the primary card and any additional ones issued, although this is waived during the first year.

Pro and cons of the card:

Pros:

• Enrolling in the rewards program is free
• Earn points for all qualifying purchases
• Use points for travel-related purchases or other rewards
• No limits on point earning
• Points do not expire
• Exclusive access to tickets for Gold Card Events
• Discounts at participating retail locations
• Online account access
• No pre-set spending limit
• Standard American Express perks like extended warranties and rental insurance

Cons:

• High annual fees
• Balance must be paid off each month
• Spending limits can fluctuate
• High cash advance interest rates

*This content is not provided or commissioned by American Express. Opinions expressed here are author’s alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through American Express Affiliate Program.

Excellent Credit 750-850 Good Credit 660-749 Fair Credit 620-659 Bad/Poor Credit 350-619 No Credit 0-0 Do You Know Your Credit Score? Find Out Now!

A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.

1. Credit Scores range from 300-850, the higher the better 2. Most lenders base approval on your credit score. 3. Higher Scores mean lower payments and better deals. 4. Higher Scores mean Lower interest rates. 5. Scores are determined by 5 main categories: Payment History Amounts Owed Length of Credit History Type of Credit Used New Credit

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* See the online Americanexpress.com/fyfgold1 (www.americanexpress.com/fyfgold1) credit card application for details about terms and conditions and offers.