American Express® Gold Card: annual fee, APR and rewards

Fact sheet for the American Express® Gold Card, issued by American Express, with a $325 annual fee and points. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	American Express
Network	American Express
Annual fee	$325 a year
Fee waiver	Additional Cards: $0 for the first 5; $35 each for the sixth or more
Rewards	Points: 4X Membership Rewards points at restaurants worldwide (on up to $50,000 per calendar year, then 1X); 4X at U.S. supermarkets (on up to $25,000 per calendar year, then 1X); 5X on prepaid hotels booked through AmexTravel.com or the Amex Travel App; 3X on flights booked through AmexTravel.com or the Amex Travel App or purchased directly from airlines; 2X on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com; 1X on all other eligible purchases
Purchase APR	Annual Percentage Rate (APR) for Pay Over Time 19.74% to 28.74%, based on your creditworthiness and other factors as determined at the time of account opening. This APR will vary with the market based on the Prime Rate.
Sign-up bonus	Apply and find out your welcome offer: as high as 100,000 Membership Rewards® points after you spend $8,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary.
Foreign transaction fee	None
Credit level	Excellent (tiers the issuer reports to the CFPB)

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 28.74%, with a range of 19.49% to 29.24%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.