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American Express Gold Rewards Card review

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

Groceries2x
Gas2x
Travel & dining2x
Everything else1x

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

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