Question 1

Is the Gold Card worth the annual fee?

Accepted Answer

The Gold Card is worth its $325 annual fee if you use most of its 17+ benefits. Calculate your ROI by adding the value of credits you redeem, lounge visits, and points earned, then compare to the annual fee. If total value exceeds the fee, keep the card. Tools like kardfolio can automate this calculation.

Question 2

When do Gold Card benefits expire?

Accepted Answer

Gold Card benefits expire on different schedules: monthly credits reset on the 1st, quarterly credits every 3 months, and annual credits on your cardmember anniversary or calendar year end. Check each benefit's terms for specific dates. Benefit tracking apps can send alerts before expiration.

Question 3

How do I track Gold Card benefits?

Accepted Answer

Track Gold Card benefits by: 1) listing all 17+ benefits and their values, 2) recording when you use each benefit, 3) setting calendar reminders before credits expire, 4) calculating total value vs annual fee. Apps like kardfolio automate this with expiration alerts and ROI tracking.

Question 4

What are the Gold Card earning rates?

Accepted Answer

The Gold Card earns: 4x on At restaurants worldwide (up to $50K/year), 4x on At U.S. supermarkets (up to $25K/year), 3x on Flights booked directly with airlines or amextravel.com. Base rate is typically 1x on all other purchases. Points can be redeemed through the issuer's portal or transferred to airline/hotel partners for potentially higher value.

Question 5

Does the Gold Card have foreign transaction fees?

Accepted Answer

No, the Gold Card has no foreign transaction fees. This makes it suitable for international travel and purchases in foreign currencies without the typical 3% fee charged by many cards.

Gold Card

Gold Card

Earning Rates

Card Benefits

Dining

Travel

Hotels

Entertainment

Account Services

Insurance

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Card Details

Gold Card

Gold Card

Earning Rates

Card Benefits

Dining

Travel

Hotels

Entertainment

Account Services

Insurance

Rideshare

Card Details