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

Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.

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

Your American Express® Card in digital wallets* is easy to use, convenient, and more. Once you add your Card, you can use it to pay on the go at participating merchants.

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

Go paperless

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

Manage Your 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 & Split® enhances the way you send money and split purchases with other Venmo and PayPal users, all in the American Express® App. Now you can pay friends with more flexibility and without the standard Venmo or PayPal credit card fee.

You can also seamlessly split your Amex purchases with others and get paid back directly to your Card as a statement credit. Best part? You’ll be the one to earn the rewards for the purchase you split. Enrollment required. Terms apply.

Enroll in Send and Split®

Your gateway to Membership

The American Express® App

Check your benefits

Track your benefits usage, monitor purchases, and manage your account — all within the American Express® App. Stay in control with real-time notifications, earn rewards with Amex Offers, and connect with 24/7 chat support.

See terms and conditions

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Card Features