Card overview
This card is a nice card overall, perfect the stuff we spend on anyway. You can earn points at U.S. supermarkets, at restaurants, on UberEats purchases, and on flights booked through Amex or directly with the airlines. Seems like food is the theme on the Amex Gold Card 🙂
But, hey! That’s where a lot of our money goes, so why not have a credit card that earns points on it? You can also enjoy some general benefits such as car rental insurance, lost luggage insurance, purchase protection, and some more.
Credit
You will need average credit for this card.
Reconsideration
If you apply for the card and get declined, you can call the reconsideration department to be reconsidered at 1-800-567-1083
Annual fee
$250
Card rewards
Earn 4 points at U.S. supermarkets, on up to $25,000 spent annually
Earn 4 points at restaurants, including takeout and delivery
Earn 4 points on UberEats purchases
Earn 3 points on flights booked directly with the airline or with Amex Travel
Earn 1 point on all other purchases
Card benefits
Auto Rental Collision Insurance
Get secondary coverage on car rentals, worldwide except for in Australia, New Zealand, and Italy, for a max of $50,000
You will get coverage for cars rented for up to 30 days.
You can get primary coverage, for a max of $100,000, if you choose to pay for an Amex Premium Plan. You will get coverage for cars rented for up to 42 days.
You must pay for the rental with your Amex Gold card in order to be eligible for coverage.
Extended Warranty Protection
Get up to a year of extended warranty on purchases you make. You will get one additional year to the original manufacturer’s warranty time, and max $10,000 per claim and $50,000 per year.
You will only get coverage if the original warranty is for 5 years or less.
You must pay for at least part of the purchase with your Amex Gold card in order to be eligible for coverage.
Foreign Transaction Fee
There are no foreign transaction fees on this card.
Lost Luggage Reimbursement
Get reimbursed for carry-on and checked-in luggage that is lost or damaged during a trip.
Get a max of $500 per person per trip.
You must pay for at least part of the trip with your Amex Gold card in order to be eligible for coverage. The cardholder and the cardholder’s immediate family members will be covered.
Purchase Protection
Get reimbursed for replacements and repairs, or just reimbursed for new purchases that are stolen, damaged, or lost within 90 days from the date of purchase.
Get a max of $10,000 per claim and $50,000 per year.
You must pay for at least part of the purchase with your Amex Gold card in order to be eligible for coverage.
Trip Delay Reimbursement
Get reimbursed up to $300 per trip, for a max of 2 claims per year, if your flight is delayed for more than 12 hours or requires you to stay overnight.
You can get covered for expenses such as meals, lodging, toiletries, and medication, and other personal use items.
You must pay for at least part of the trip with your Amex Gold card in order to be eligible for coverage. The cardholder and the cardholder’s immediate family members will be covered.
Credits
Get $10 Uber cash credit each month for a total of $120 a year. You will get the credit as soon as you add your card to your Uber account. You can use the credits for UberEats or Uber rides in the U.S.
Get $10 statement credits each month for a total of $120 a year towards purchases made at Grub hub, Seamless, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, and select Shake Shack locations. In order to receive the credits you must enroll in this benefit.
How points can be used
Cashback: The points you earn on the card can be used as cashback as follows:
- For a statement credit – 0.6 cents per point which is a poor value
- Transfer your points to your Chares Schwab account – 1.1 cents per point, if you have The American Express Platinum Card for Schwab
- Transfer your points to your Amex Business checking account – 1 cent per point, if you have The Business Platinum Card from American Express
- Deposit your points to your Morgan Stanley account – 1 cent per point, if you have The Morgan Stanley Amex Platinum
Amex Travel: The points you earn on the card can be used for Amex Travel as follows:
- To book airfare, hotels, car rentals, and more – 1 cent per point for flights, 0.7 cents per point for all other travel.
- To book flights – get 35% of your points back, if you have the The Business Platinum Card from American Express
- To book flights – get 25% of your points back, if you have the American Express Business Gold Card for up to 1,00,000 points back per calendar year.
The flights must be as follows so that you can qualify for the 35% -25% points back promo:
- The flights must be booked on your preferred airline which is a single airline you choose once a year in January as your preferred airline. This includes any of the following U.S. airlines: American, Southwest, United, Delta, JetBlue, Alaska, Frontier, Hawaiian, Spirit
- When you book a first or business class ticket on any airline – you will receive the 35%-25% rebate regardless of the airline you choose as your preferred airline
Airline and hotel programs: The points you earn on the card can be transferred to the following Amex Travel partners:Â
Airline partners:
| Transfer Ratio | Transfer Time | |
| Aer Lingus, AerClub | 1:1 | Instant |
| AeroMexico | 1:1.6 | 2-12 days |
| Air Canada | 1:1 | Instant |
| ANA | 1:1 | 3 days |
| Air France/KLM | 1:1 | Instant |
| Avianca LifeMiles | 1:1 | Instant |
| British Airways | 1:1 | Instant |
| Cathay Pacific | 1:1 | Up to 1 week |
| Delta Airlines | 1:1 | Instant |
| Emirates | 1:1 | Instant |
| Etihad Airways | 1:1 | Instant |
| Hawaiian | 1:1 | Instant |
| Iberia | 1:1 | 1-3 days |
| JetBlue | 1:0.8 | Instant |
| Qantas | 1:1 | Instant |
| Singapore Airlines | 1:1 | 1-2 days |
| Virgin Atlantic | 1:1 | 1-2 days |
Hotel partners:
| Ratio | Transfer Time | |
| Choice Privileges | 1:1 | Instant |
| Hilton Honors | 1:2 | Instant |
| Marriott, Bonvoy | 1:1 | Instant |