How Much Is the American Express^® Gold Card Annual Fee?

If you’ve always been drawn to no-fee credit cards, you may be surprised to learn that the benefits of some credit cards can outweigh their annual fee. For the American Express^® Gold Card, this is the case. 

The Gold Card comes with a $325 annual fee¹ and has over $400 annually in benefits value across dining and travel. Let’s take a closer look at the Gold Card and learn more about its annual fee, how the fee works, and the benefits that come with the Card.

Terms apply to all benefits listed below. All benefits are subject to change.

The Gold Card has a $325 annual fee.¹ Though paid annually, the math works out to about $27 a month. That’s less than what it would cost to pay for a $2 coffee, five days a week, all year.

Amex charges the annual fee on your Card anniversary date, and the charge will appear on your monthly billing statement.

So, if you opened your Gold Card on July 25, the fee will be charged that day and every July 25 going forward – as long as your account is open. Amex offers a 30-day grace period for cancellations so if next year rolls around and you’d prefer to upgrade, downgrade, or close your Card account, you can choose to do so within 30-days of your annual fee being charged and get a refund. For cancellations after this 30-day period, the annual fee is non-refundable.

Gold Card Members can add Additional Card Members – also known as authorized users – as long as the individual is over the age of 13 and never had a defaulted account with American Express. Additional Card Members are considered users on your Card account and do not have their own account with American Express.

Gold Card Members can add up to five Additional Cards without an annual fee. The annual fee for the sixth (or more) Additional Card Member(s) is $35 for each Card.

It’s important to remember that the primary Card Member is responsible for all Additional Card Member activity, meaning you are responsible for paying all charges they make. And if you’d like, you can set a limit as low as $200 for the Additional Card Member.

Thoughtfully designed to elevate every aspect of your dining lifestyle, the Gold Card is the ideal companion for all your culinary adventures. Gold Card Members can earn Membership Rewards^® points on eligible dining purchases and these points can be redeemed for travel, gift cards, and more. 

For example, Gold Card Members can earn:

• 4X Points on restaurants worldwide, plus takeout and delivery in the U.S., on up to $50,000 in purchases each year.
• 4X Points on groceries at U.S. supermarkets, on up to $25,000 in purchases each year. 

In addition to these earning accelerators, the Gold Card can also help you unlock over $400 annually in benefits value – from your morning cup of coffee to the corner table at your favorite restaurant:

• $120 Uber Cash
• $84 Dunkin’ Credit
• $100 Resy Credit
• $120 Dining Credit

And if you love traveling to the trendiest bites, the Gold Card can help you out there too. In addition to the dining benefits above, Gold Card Members can also earn:

• 3X Points on flights booked directly with airlines or on AmexTravel.com.
• 2X Points on prepaid hotels and other eligible travel purchases booked through AmexTravel.com.²