American Express Gold Card

American Express Gold Card card art

American Express · Charge card · Travel, airline & hotel

3.0 Debt Sunset rating vs. other travel, airline & hotel cards

For people who spend a lot on dining and groceries and use the monthly dining, Uber and Resy credits.

Rates, fees and offers

Regular APR
Charge card: the balance is normally due in full each month. Amex may let you carry some purchases with Pay Over Time, at a variable APR in your card terms.
Annual fee
$325
Promo offers
None currently advertised
Balance transfer fee
Not available (charge card)
Rewards
4x points at restaurants worldwide and U.S. supermarkets (annual caps apply); 3x on flights booked directly or through Amex Travel; 1x everything else. Up to $424 a year in dining, Uber, Resy and Dunkin' credits.

Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗

Notes

A charge card: pay in full each month. Watch Pay Over Time, which can add interest to purchases if it's turned on.

Paying and contacting American Express

Customer service
1-800-528-4800 · 24/7
Pay by mail
American Express
P.O. Box 96001
Los Angeles, CA 90096-8000

Overnight:
American Express
Attn: Express Mail Remittance Processing
20500 Belshaw Ave
Carson, CA 90746

Always check this against the payment address on your own statement: issuers use different addresses by region and product, and a payment mailed to the wrong address can arrive late.

Billing disputes
American Express Customer Service
P.O. Box 981535
El Paso, TX 79998-1535

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