- Earn 10,000 Membership Rewards(R) bonus points when you spend $500 in 3 months - redeemable for a $100 gift card!
- The Membership Rewards program - Turn your everyday purchases into Membership Rewards points, and then redeem them for an amazing collection of travel, shopping, dining and entertainment rewards.
- Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide.
- Express Approval. Get a decision in less than 60 seconds.
Introductory APR Info
Regular APR
Annual Fee
No Introductory Rate Available
n/app
$125
Card Review
The American Express® Preferred Rewards Gold Card is an ideal card for those who can afford to pay in full each month to avoid accumulating credit card debt, as often can be the case with revolving balances and high interest rates.
Cardholders have access to the Membership Rewards program for no additional fee.
Through the rewards program, cardholders earn one point per dollar spent on all purchases.
Plus, cardholders will receive 10,000 bonus points after spending $500 in three months, which is redeemable for a $100 gift card at participating merchants and retailers.
Points can be redeemed for travel rewards on over 21 airlines and for many other rewards.
There is no limit to the amount of points that can be earned, and points never expire.
The annual fee of $125 is waived the first year.
Additional services and benefits include travel accident insurance, auto rental insurance, purchase protection services, various merchant discounts, and more.
Cardholders will also have access to Gold Card Events, which gives them exclusive access to tickets for select concerts, shows, sporting events, and more.
Therefore, those who can afford to pay in full each month, would like to participate in the rewards program, and plan to take advantage of the many benefits and services provided by American Express® will benefit most from what the American Express® Preferred Rewards Gold Card has to offer.
Additional Card Details
Overall Rating
5 Stars
Benefit Rating
5 Stars
Issuer
American Express
Card Type
American Express
Card Status
Gold
Important Notations
This card is a charge card and the bill is paid in full each month.
The card has no pre-set spending limit; however, purchases are approved based on credit record, account history, and personal resources.
See website for complete terms and conditions of card usage and application disclosure.
Grace Period
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Minimum Limit
See Important Notations
Maximum Limit
See Important Notations
Minimum Deposit
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Over Limit Fee
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Cash Advance Fee
n/a
Balance Transfer Fee
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Application Fee
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Rebate Minimum
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Rebate Maximum
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Additional Rebates
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Mile Details
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Miles Per Dollar Spent
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Additional Miles
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Miles Work with FF Program
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Points Per Dollar Spent
1 Point
Point Details
Points are redeemable for travel rewards on over 21 airlines.
Additional Points
None
Approval Bonus
None
First Purchase Bonus
10,000 Points***
Balance Transfer Bonus
None
Other Bonus
None
Bonus Details
***Cardholders receive 10,000 bonus points after their first purchase, which is redeemable for a $100 gift card at participating merchants and retailers.
Additional Perks
Various Internet account related services.
Access to Gold Card Events including exclusive tickets for select concerts, shows, major sporting events, and more in cities nationwide.
Discounts on products and services at participating merchants and retailers.
Return protection
Purchase protection.
Extended warranty for purchases.
Auto rental insurance.
Medical referral service.
Legal referral service.
Emergency cash replacement.
Lost luggage insurance.
Travel accident insurance.
Guaranteed hotel reservations.
Emergency card replacement.
Year-end financial statement.
Identity theft assistance.
Various travel and emergency assistance services.
See website for additional benefits.