How Much Is the American Express® Gold Card Annual Fee?
5 Min Read | Last updated: April 30, 2026
Wondering about the Amex Gold Card annual fee? Here’s an overview of what it would cost for you – and any Additional Card Members – to carry the Gold Card.
At-A-Glance
- The American Express® Gold Card has a $325 annual fee.1
- The annual fee is charged on your Card anniversary date, and the charge will appear on your monthly billing statement.
- Card Members can add up to five additional Gold Cards with no 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.
Let’s take a closer look at the Gold Card and learn more about its $325 annual fee,2 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.
What Is the American Express Gold Card Annual Fee?
The Gold Card has a $325 annual fee.3 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. It's a small price that offers solid value and everyday perks.
When Is My Gold Card Annual Fee Charged?
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.
What About Annual Fees for Additional Gold Card Members?
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.
Reward Your Appetite for Life: Gold Card’s Dining and Travel Benefits
Thoughtfully designed with food lovers and travelers in mind, the Gold Card makes meals and getaways more rewarding with sought-after benefits.4 Gold Card Members can earn Membership Rewards® points on eligible dining purchases and these points can be redeemed toward travel, gift cards, and more.
Membership Rewards
- 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.
- 5X points on prepaid hotels booked through AmexTravel.com or the Amex Travel App™.
- 3X points on flights booked through AmexTravel.com or the Amex Travel App™ or purchased directly from airlines.
- 2X points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
- 1X points on all other purchases.
Dining Benefits
- $120 Dining Credit - Earn up to $10 monthly in statement credits when you use your Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. Enrollment required.
- $100 Resy Credit - Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. Enrollment required.
- $84 Dunkin’ Credit - Enjoy up to $7 monthly in statement credits when you use your Gold Card at U.S. Dunkin' locations. Enrollment required.
Tip:
To learn how the Gold Card can maximize your love of dining, read A Complete Guide to Dining with the Amex Gold Card.
Travel Benefits
- $120 Uber Cash - Earn $10 in Uber Cash each month when you add your Gold Card to your Uber account. Uber Cash can be used for eligible rides and orders in the U.S. To redeem Uber Cash from this benefit, an American Express® Card must be selected as the payment method for the transaction.
- American Express® Gold Card Members can receive complimentary Hertz Five Star® Status. Save time by skipping the counter at select locations, you can go directly to the lot, select your vehicle, and get on the road to your destination. You can also add an additional driver for no additional cost5 and receive access to a wider selection of vehicles for more personalized choices based on your needs.6 Benefit enrollment and Hertz Gold+ registration are required.
- With more than 1,300 properties worldwide, The Hotel Collection offers Gold Card Members a valuable suite of benefits when they book a two-night minimum stay through AmexTravel.com or the Amex Travel AppTM, such as a $100 credit towards eligible on-property charges, as well as 12pm check-in, late check-out, and a room upgrade upon arrival - all when available.8
The Takeaway
The Gold Card has a $325 annual fee9 that is charged each year on your Card anniversary date. If you have friends or family that you’d like to add as authorized users, you can add up to 5 Additional Card Members with no additional fee.
1,2,3,9 For more on Rates and Fees for the American Express® Gold Card, click here.
4 For more on Offer and Benefit Terms for the American Express® Gold Card, click here.
5 Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees.
6 Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
7 Eligible charges vary by property.
8 Certain room categories are not eligible for upgrade.
Megan Doyle is a business technology writer and researcher whose work focuses on financial services and cross-cultural diversity and inclusion.
All Credit Intel content is written by freelance authors and commissioned and paid for by American Express.
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