American Express® Gold Card

Note: American Express is a Frequent Miler advertiser. Please see our Advertiser Disclosure.

Card Details and Application Link

60K Points + up to $200 in statement credits
60K after $4K spend in first 6 months plus up to $200 in statement credits at select US home furnishing stores in the first 3 months. Terms apply. (Rates & Fees)
(Offer Expires 5/5/2021)
Click Here to Apply

$250 Annual Fee

Some people find that they are targeted for an offer of 75K points after $4K in purchases in the first 3 months plus up to $200 in statement credits for purchases at select US home furnishing stores in the first 3 months

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: 60K after $4K spend in first 6 months plus 20% back as a statement credit on restaurant purchases worldwide for the first 12 months up to $250 back. Terms apply.

Recent better offer: This is the best we've seen

FM Mini Review: This card offers an awesome return on US supermarket and worldwide dining spend, putting it at or near the top-of-class in both categories. Dining credits and Uber / Uber Eats credits go a long way towards reducing the sting of this card's annual fee.

Card Type: Amex Pay Over Time Card

Base

1X
(1.55%)

Travel

3X
(4.65%)

Dine

4X
(6.2%)

Grocery

4X
(6.2%)

Earning rate: 3X points for flights booked with airlines or on amextravel.com ⚬ 4x points at US Supermarkets (up to $25K in purchases, then 1x) ⚬ 4x at restaurants worldwide ⚬ 1X points on other purchases. Terms apply. (Rates & Fees)

Noteworthy perks: Up to $10 in statement credits monthly with participating dining partners (Boxed.com, Shake Shack, Seamless/Grubhub, Cheesecake Factory and Ruth’s Chris Steakhouse) ⚬ $10 monthly Uber or Uber Eats credit (use it or lose it each month) ⚬ Complimentary Uber Eats Pass Membership for up to 12 months (must enroll by 12/31/21) ⚬ $100 hotel credit on qualifying charges on stays of 2 nights or longer, plus a room upgrade upon arrival, if available with The Hotel Collection at americanexpress.com/hc

Rewards

Amex Membership Rewards points can be incredibly valuable if you know how to use them. In general, if you use Membership Rewards points to pay for merchandise or travel, you won't get good value from your points. One exception is with the Business Platinum card where you'll get a 35% point rebate when using points to book certain flights. This gives you approximately 1.5 cents per point value, which is pretty good. Another exception is with the Business Gold Card where you'll get a 25% point rebate when using points to book certain flights. This gives you approximately 1.33 cents per point value. If you don't have either card, then your best bet is to transfer points to airline miles in order to book high value awards. More details can be found here: Amex Membership Rewards Complete Guide.

Application Tips

Amex Application Tips

Safe to Apply: Amex is the safest bank for trying your luck at a new welcome bonus. They don’t usually issue a hard pull when denying your application. Plus, they’ll now warn you during the application process if you’re not eligible for the bonus.

Lifetime Rule: If you've ever had the same card before, you are most likely prohibited from getting a welcome bonus for the card if you apply now. Fortunately you'll be warned during the application process if this is the case. Amex is known to "forget" that you've had a card after about 7 years.

5/90 Rule: In general, you can get at most one credit card within 5 days and 2 within 90 days. The 5 day limit is not enforced when your applications are automatically approved. Neither rule is enforced for charge cards.

4 credit card max: Amex usually won't approve applications for new credit cards if you already have 4 or more Amex credit cards or 10 or more charge cards.

Better Offers: You may be able to get a better offer than the best available public offer. Details here.

Hard inquiries combine into 1 when approved same day

Check application status here.
If denied, call reconsideration: 877-399-3083 (new accountholders); 866-314-0237 (current accountholders)

How to Meet Spend Requirements

In order to meet minimum spend requirements, people often look for options to increase spend in ways that result in getting their money back. These techniques are referred to as "manufacturing spend". American Express has terms in their welcome offers that exclude some manufactured spend techniques from counting towards the minimum spend requirements for the welcome bonus. For example, most new cardmember bonuses have terms like this:

Eligible purchases to meet the Threshold Amount do NOT include fees or interest charges, purchases of travelers checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or purchases of other cash equivalents.

That said, many techniques for meeting minimum spend are perfectly fine. Here are some techniques that are safe for meeting Amex minimum spend requirements (click each link for more information):

Related Cards (Membership Rewards)

Card Offer
The Platinum Card® from American Express ➥More ⓘ $1363 1st Yr Value Estimate 100K points + 10x US Gas Stations and US Supermarkets + $200 statement credit 100K after $5K spend in first 6 months plus 10x on eligible purchases at US gas stations and US supermarkets on up to $15K in purchases in the first 6 months, plus up to $200 in statement credits at select US home furnishing stores in the first 3 months. Terms apply. (Rates & Fees) (Offer Expires 5/5/2021) $550 Annual Fee Eligible US home furnishings stores include: Lowe's, The Home Depot, Bed Bath & Beyond, Anthropologie – Home & Furniture, CB2, Crate and Barrel, Crate and Kids, Terrain, and The Container Store Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
The Business Platinum Card® from American Express ➥More ⓘ $918 1st Yr Value Estimate 100K points 100K points after $15K spend. Terms apply. (Rates & Fees) $595 Annual Fee Some report being targeted for a 130K offer. Recent better offer: 150K after $20K Spend (Targeted)
American Express® Gold Card ➥More ⓘ $862 1st Yr Value Estimate 60K Points + up to $200 in statement credits 60K after $4K spend in first 6 months plus up to $200 in statement credits at select US home furnishing stores in the first 3 months. Terms apply. (Rates & Fees) (Offer Expires 5/5/2021) $250 Annual Fee Some people find that they are targeted for an offer of 75K points after $4K in purchases in the first 3 months plus up to $200 in statement credits for purchases at select US home furnishing stores in the first 3 months Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Alternate offer: 60K after $4K spend in first 6 months plus 20% back as a statement credit on restaurant purchases worldwide for the first 12 months up to $250 back. Terms apply. Recent better offer: This is the best we've seen
American Express® Green Card ➥More ⓘ $776 1st Yr Value Estimate 50K Points + $200 statement credit 50K points after $2K spend in 3 months + up to $200 in statement credits for purchases at select US home furnishings stores in first 3 months. Terms apply. See (Offer Expires 5/5/2021) $150 Annual Fee Eligible US home furnishings stores include: Lowe's, The Home Depot, Bed Bath & Beyond, Anthropologie – Home & Furniture, CB2, Crate and Barrel, Crate and Kids, Terrain, and The Container Store Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 50K afrer $2K spend
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