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American Express · American Express · PERSONAL

Gold

15 tracked perks. Here's everything this card actually offers — structured and kept current.

15
Perks tracked
$524
Est. value / yr
$350
Annual fee
American Express
Gold
$350/yrAMEX

Travel

7

Hotel Collection Credit

$100

When booking an eligible stay of two or more nights through the Amex Travel portal at Hotel Collection properties, cardholders receive a $100 on-property experience credit per stay, usable toward eligible charges such…

Travel statement credits

Baggage Insurance Plan

Provides coverage for lost, damaged, or stolen baggage when the eligible fare is charged to the card. Coverage limits apply for checked and carry-on baggage.

Travel insurance & protection

No Direct Lounge Access

The Amex Gold Card does not include complimentary airport lounge access such as Centurion Lounge or Priority Pass. This distinguishes it from the Platinum Card.

Airport lounge access

No Foreign Transaction Fee

The Amex Gold Card charges no foreign transaction fees on purchases made outside the United States or in foreign currencies.

Travel statement credits

Trip Delay Insurance

If a covered trip is delayed more than 12 hours due to a covered reason, cardholders may be reimbursed for reasonable additional expenses such as meals and lodging, up to a per-trip cap.

Travel insurance & protection

Amex Offers

Network-wide rotating statement-credit and bonus offers from travel, dining and retail partners.

Travel statement credits

Global Assist Hotline

24/7 emergency coordination for medical, legal, financial or travel help when 100+ miles from home.

Travel insurance & protection

Shopping & Purchases

3

Car Rental Loss and Damage Insurance

When cardholders pay for an eligible car rental with the card and decline the collision damage waiver at the counter, they receive secondary coverage for damage to or theft of the rental vehicle.

Purchase protection

Extended Warranty

The card extends the original manufacturer's warranty by one additional year on eligible purchases with warranties of five years or less.

Extended warranty

Purchase Protection

Eligible purchases made with the card are covered against accidental damage or theft for up to 90 days from the purchase date, up to a per-item and annual cap.

Purchase protection

Everyday & Lifestyle Credits

4

Dining Credit (Grubhub/Participating Restaurants)

$120

Cardholders receive up to $10 per month in statement credits for purchases at Grubhub and select participating dining partners. Credit resets monthly and enrollment is required.

Dining creditsenrollment required

Uber Cash (Uber Eats / Uber Rides)

$120

Cardholders receive $10 per month in Uber Cash, usable on Uber Eats food delivery or Uber rides in the US. The Gold Card must be added to the Uber account to receive the benefit.

Dining creditsenrollment required

Resy Credit

$100

Cardholders may receive up to $100 per year in statement credits for dining at restaurants booked through Resy, split as up to $50 semi-annually. This benefit was introduced as a replacement or addition to prior credits.

Dining creditsenrollment required

Dunkin' Credit

$84

Cardholders may receive up to $7 per month in statement credits for purchases at Dunkin' locations in the US.

Dining creditsenrollment required

Card Terms & Fees

1

$350 Annual Fee

$350 Annual Fee

Annual fee

Coverage limits, reset cadence, eligibility & sources

The full structured detail behind every perk — deductibles, coverage caps, reset windows, enrollment rules, confidence scores and the source citation — is available through the API.

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