The Gold Card Membership Guide

Flexible ways to pay

No preset spending limit

Enjoy flexible spending capacity

Unlike a traditional credit card, your Card has no preset spending limit, a unique feature that gives you flexible spending capacity. This means the amount you can spend adapts based on factors such as your purchase, payment, and credit history.

If you’re ever unsure if a large purchase will be approved, just use the Check Spending Power tool in your online account or mobile app.

PLAN IT®

Buy now, pay later

You can split purchases of $100 or more into equal monthly payments with a fixed fee. The fee is shown upfront so you’ll know exactly how much you pay each month, plus you’ll still earn rewards on purchases the way you usually do. Create a plan today.

PAY OVER TIME

Carry a balance with interest

Rather than paying in full each month, you can choose to use Pay Over Time to carry a balance on your Card with interest. Plus, you’ll still earn rewards on purchases as you normally would.

This feature has a Pay Over Time Limit*, which is the maximum amount you can carry as a balance with interest or put into a plan using Plan It®. It is not a spending limit. Any charges you make above the Pay Over Time Limit will be due in full each month. View your Pay Over Time limit, here.

*This limit applies to the total of your Pay Over Time, Cash Advance, and Plan It® balances.

More ways to use your Card

Add to digital wallet

Add your Card to your digital wallet to make fast and secure online purchases without typing in your Card or shipping details.*

*Digital Wallets are Apple Pay™, Samsung Pay, or Google Pay™.

Contactless payments

A quick and secure way to pay for everyday purchases, from your morning coffee to grocery runs. Simply look for the contactless symbol at checkout at participating merchants and you can tap or hold your Card or device within a few inches of the terminal.*

*Participating merchants only.

Go paperless

Save paper and stay organized. You can enroll anytime via the Amex® app.

Manage Your Card

The American Express® Gold Card, and Rose Gold Card.

Add a new Card Member to your account

Share benefits and track purchases with loved ones. You’ll earn on their purchases in the same way you do your own and earn valuable rewards even faster.

Add a Card

American Express - Send & Split® in partnership with VENMO, PayPal

Send money effortlessly Enroll to Enjoy

Send money or split purchases with any other Venmo or PayPal user right from the American Express® App.

You spend with Amex, and now you can send with Amex. Pay any other Venmo or PayPal user with the flexibility of American Express. When you pay friends with Amex, there’s no standard Venmo or PayPal credit card fee and you can even do it right from the Amex App.

Seamlessly split any pending or posted Amex charge with other Venmo or PayPal users right from the American Express® App and get paid back directly to your Card as a statement credit. Best part? You'll be the one to earn all the rewards for the Amex purchases you split.

Enrollment required. Terms apply.

Enroll in Send and Split®