The New American Express Gold Card Is Now Available (USA)

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American Express has now launched the American Express Gold card which is a revamped version of its personal American Express Premium Rewards Gold Card and, as the information that was slowly leaked over the past few weeks told us, the new card comes with some interesting (possibly even compelling) features.

Here’s what you need to know about the new American Express Gold Card:

The card is metallic (like the Platinum Card from American Express) and comes in a limited edition rose gold color (available through 9 January 2019)….

….or the more recognisable gold color:

You can choose which color you prefer when you apply (link to application page)

Signup Bonus

The standard signup bonus for the new American Express Gold card is 25,000 Membership Rewards Points after you spend $2,000 in the first 3 months of membership and, if you are accepted for the card before 9 January 2019, Amex will also give you a 20% statement (up to a total of $100) on spending at US restaurants.

Annual Fee & Earnings

The new American Express Gold card comes with an annual fee of $250 (up from the $195 that the old American Express Premier Rewards Gold Card cost) but, to make up for that, the new card comes with improved earning rates:

  • 4X Membership Rewards points at U.S. Restaurants
  • 4X Membership Rewards points at U.S. Supermarkets (on up to $25,000 in purchases annually)
  • 3X Membership Rewards points on flights booked directly with airlines and

Importantly, the new American Express Gold card does not offer double Membership Rewards Points for spend made at US Gas stations.

In addition to earning Membership Rewards Points card holders are also given the following benefits:

  • $120 annual dining credit which gives enrolled Card Members up to $10 per month in statement credits when they use their Card at any of the following dining partners:
    • Participating Shake Shack locations
    • The Cheesecake Factory
    • Ruth’s Chris Steak House
    • Grubhub/Seamless.
  • $100 airline fee credit per year for incidental expenses like baggage fees at one selected airline
  • $75 hotel credit on qualifying charges, plus a room upgrade upon check-in, when available, when you book a stay of at least two consecutive nights at a hotels in Amex’s Hotel Collection.
  • The new American Express Gold card does not charge foreign transaction fees.

Introductory Promotion

To promote the new American Express Gold card Amex is partnering with the “restaurant discovery platform”, The Infatuation, to host a series of experiences and events for Card Members.

Here’s what Amex has announced:

As a key sponsor of The Infatuation’s EEEEEATSCON New York food festival on October 6th, American Express will host Card Members and festival-goers at the Amex Gold lounge, where guests will get access to limited-edition gold EEEEEATS giveaways in celebration of the new Gold Card.

Additionally, American Express and The Infatuation are hosting coast-to-coast #AmexGold dinners exclusively for American Express Card Members at top restaurants across the country. Locations and dates include:

  • Chicago: October 18
  • Los Angeles: November 8
  • Washington D.C.: November 28
  • Austin: December 6

To learn more and register to attend one of the #AmexGold Card Member dinners, visit

What Happens To Existing American Express Premier Rewards Gold Card Holders?

As of today (4 October 2018) existing holders of the American Express Premier Rewards Gold card will receive the benefits outlined above – these new benefits trump the previous earnings and benefits that were on offer.

The new annual fee of $250 will come into effect for existing Gold Card holders from 1 April 2019 and will be charged on the next renewal date.

What this means is that if you’re fortunate enough to have a renewal date which falls before 1 April 2019 you’ll get all the new benefits and earning rates, for up to a year, a the old cost of $195.


If you do most of your spending in the US then the 4x points on offer at US restaurants and US supermarkets could be a very good reason to get this card – this is now the best card to have for restaurant spend and supermarket spend in the US.

I value Membership Rewards Points at a conservative 1.5 cents so, essentially, this card is offering a 6% rebate on spend at US restaurants and supermarkets.

If you do a lot of traveling and most of your restaurant spend is abroad this card becomes less enticing. The quadruple points on supermarket spend (when you’re home) would still be very nice to have but the Chase Sapphire Reserve card would be the card to use at restaurants and not the new Amex Gold Card.

I don’t like the way the $120 dining credit has been structured and I don’t like the fact that it’s limited to a very select number of establishments/retailers – I suspect that Amex is relying on this added benefit to persuade people that the increased annual fee isn’t too bad while at the same time knowing (hoping?) that there will be a lot of cardholders who don’t/can’t make the most of this.

If you’re on the fence as to whether or not you should get the new Amex Gold Card the dining credit should not be the tie-breaker.

However, overall I like the improved earnings the new American Express Gold card offers and for a lot of people these will be a very valid reason to apply…just make sure that the $250 annual fee is worth whatever earnings you expect to get from this card.

All images supplied by American Express