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American Express® Gold Rewards Card review

Name: American Express Gold Rewards Card
Brand: American Express

4.5Rated by the CreditCardGuru Editorial Team

A versatile mid-tier Membership Rewards card: 2x across the categories most people spend on, plus a travel credit that softens the fee. A great pairing with a no-fee Amex.

At a glance

Annual fee: $250
Welcome bonus: ~$600
Foreign tx fee: 2.5%
Network: AMEX
Rewards: points
Purchase APR: 21.99%

Rewards & earn rates

Groceries	2x
Gas	2x
Travel & dining	2x
Everything else	1x

Welcome offer: Up to 75,000 Membership Rewards points.

Pros & cons

Pros

Strong 2x on groceries, gas, travel and dining
Annual travel credit offsets the fee
Flexible transferable points

Cons

$250 annual fee
2.5% foreign transaction fee

Perks & insurance

Key perks

$100 annual travel credit
Transfer points to airline & hotel partners
Amex Offers

Insurance

Travel emergency medical
Trip cancellation & interruption
Car rental theft & damage
Flight & baggage delay

Rates & fees

Annual fee: $250
Purchase interest: 21.99%
Cash advance: 21.99%
Foreign transactions: 2.5%

Last updated June 1, 2026Reviewed by CreditCardGuru Editorial Team

Similar cards to consider

Guru Pick American Express®

American Express® Cobalt® Card

4.8·Foodies and everyday spenders who want maximum points on dining and groceries

Annual fee: $156/yr
Welcome bonus: ~$300
Top reward: 5x eats & food delivery

Best-in-class earn rate on dining and groceries
Membership Rewards transfer to Aeroplan, Marriott & more

Suggested score 720+ · Excellent credit

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Guru Pick Scotiabank®

Scotiabank® Gold American Express®

4.7·Grocery shoppers and travellers who want no foreign transaction fees

Annual fee: $120/yr
Welcome bonus: ~$650
Top reward: 6x groceries

No 2.5% foreign transaction fee
6x on groceries is one of the highest in Canada

Suggested score 720+ · Excellent credit

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No FX fee

Disclaimer: This page is for informational purposes only and does not constitute financial, tax or legal advice. Card terms and offers change and may be out of date — always verify with the issuer before applying, and consult a qualified professional before making financial decisions. CreditCardGuru may earn a commission from cards featured on this site; this never influences our editorial ratings. See our advertiser disclosure.

Written by

CreditCardGuru Editorial Team

Rewards & Cards Research

Our editorial team independently researches and rates every credit card in Canada using a transparent, data-driven methodology. We update card terms continuously and never let issuer relationships influence our ratings.

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Cite this page

“American Express® Gold Rewards Card Review (2026)” — CreditCardGuru, https://creditcardguru.ca/cards/amex-gold-rewards, updated June 1, 2026.