American Express Gold Card
Collect points with attractive travel and shopping benefits.
Score: 5.2 / 10 · Adequate
Rating: 8.6 / 10 · No reviews yet
Best for: Points collectors & enthusiasts
Overview
The American Express Gold Card is a charge card from American Express on the American Express network. Collect points with attractive travel and shopping benefits. The annual fee is €240. A surcharge of 2 % applies to payments in foreign currency.
Who is it for?
Our take: Points collectors & enthusiasts. Its strengths lie in collecting points or miles (worth approx. 0.4 %), included travel insurance, the welcome bonus and mobile payments. It is issued without a German IBAN, so no additional checking account is strictly required. Transactions are collected and billed periodically.
How the score is calculated
Overall score: 5.2 / 10 · Adequate
| Costs (30 %) | 1.6 / 10 |
|---|---|
| Foreign currency (18 %) | 3.3 / 10 |
| Cash worldwide (14 %) | 2.5 / 10 |
| Interest (10 %) | 7.5 / 10 |
| Cashback & bonus (10 %) | 4.3 / 10 |
| Features (6 %) | 5.2 / 10 |
| Community signal (12 %) | 6.9 / 10 |
Highlights
- Up to €200 welcome credit after spend
- Earn Membership Rewards points
- Travel & shopping benefits
- Apple Pay / Google Pay
Costs & Fees
| Annual fee | €240 |
|---|---|
| Welcome bonus | +€200 |
| Eff. annual interest | — |
| Type | Charge card |
| Network | American Express |
| Issuer | American Express |
€80 after €3,000 + €120 after a further €2,000 spend within 6 months
The annual fee is €240. Outside the euro area a 2 % foreign currency fee applies. A fee of 4 % (min. €5) + 2 % foreign currency fee applies to cash abroad. In Germany, cash withdrawals cost 4 % (min. €5). New customers receive a welcome bonus of €200. Billing: Monthly billing, full balance settled by direct debit.
Redirect to provider · non-binding
This card in our comparisons: Miles & Cashback Credit Cards · Credit Cards With Insurance · American Express Credit Cards: Comparison & Overview
Related guides: Credit card security: fraud and liability · Credit card travel insurance: what's covered · Credit card instalments: interest explained
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Frequently asked questions
- What does the American Express Gold Card cost per year?
- The American Express Gold Card costs €240 per year.
- Does the American Express Gold Card charge foreign currency fees?
- Yes. Outside the euro area the American Express Gold Card charges a 2 % foreign currency fee.
- Is the American Express Gold Card a genuine credit card?
- The American Express Gold Card is a charge card — transactions are collected and billed periodically.
- Does the American Express Gold Card include travel insurance?
- Yes, the American Express Gold Card includes travel insurance benefits. The provider specifies the exact scope in the terms.
- Does the American Express Gold Card require a SCHUFA check?
- Yes, American Express runs a SCHUFA credit check for the American Express Gold Card; a negative SCHUFA record can lead to rejection.
- How is money on the American Express Gold Card protected?
- Not applicable – American Express charge cards carry no deposit account. No deposit guarantee applies.