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

5 Min Read | Last updated: November 7, 2024

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 fee¹, 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.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.

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 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.

Let's see how you can access over $500 annually in value using the Gold Card on select dining and travel purchases. To start, Gold Card Members can earn:

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

Tip:

To learn how the Gold Card can maximize your love of dining, read A Complete Guide to Dining with the Amex Gold Card.

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:

$100 complimentary credit to use towards eligible charges, such as food and beverage, spa, or other on-property charges, when you book a prepaid stay of two nights or more at any property within The Hotel Collection through AmexTravel.com. Please note the credit use varies by property.
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

The Takeaway

The Gold Card has a $325 annual fee¹ 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 For more on Rates and Fees for the American Express^® Gold Card, click here.

² For more on Offer and Benefit Terms for the American Express^® Gold Card, click here.

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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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