The Gold Rewards Card, issued by American Express, is a premium contender in the market.
Gold Rewards Card Payoff Analysis
Gold Rewards Card Payoff Analysis
This tool is provided "AS IS" for informational purposes. It does not constitute financial or legal advice. Projections are based solely on user inputs and may not reflect current issuer terms. Users must verify all data against their official cardmember agreements. See full Terms.
Time to Pay Off
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Rewards Earned
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Interest Paid
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Interest Earned
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Interest earned by keeping your cash in a yield-bearing account during the grace period.
Formula: Balance × (APY / 365) × Days. --
Formula: Balance × (APY / 365) × Days. --
* Estimates use live economic data (Prime Rate: 6.75%) and daily compounding. Does not include new purchases or late fees.
Snapshot
Gold Rewards Card | |
|---|---|
| Issuer | American Express |
| Network | American Express (American Express Gold) |
| Card Material | Metal |
| Annual Fee | $325.00 Effective: $-199.00 • $120 Uber Cash (Annual) • $120 Dining Credit • $84 Dunkin' Credit • $100 Resy Credit • $100 Hotel Collection Credit |
| Base Rate | 1.00% |
| Travel Rewards | 3.00x |
| Authorized User Fee | $35.00 |
| Foreign Transaction Fee | None |
| Credit Reporting | Ex, Eq, Tu |
| Product Lifecycle | Available (60y ago) |
| Minimum Credit Line | N/A |
Welcome Offer
| Bonus | 60,000 Amex Points |
| Spend Requirement | $6,000 |
| Timeline | 180 days |
| Efficiency Score | 10.00 pts/$1 |
| Cash Back Value | $360 |
| Portal Travel Value | $600 |
| Transfer Estimated Value | $1,200 |
Rewards Breakdown
| Base Rate | 1.00% |
| Dining | 4.0x |
| Dunkin' | 4.0x |
| Flights | 3.0x |
| Grubhub | 4.0x |
| Prepaid Hotels | 2.0x |
| Resy | 4.0x |
| Uber | 1.0x |
| US Supermarkets | 4.0x |
| Anniversary Bonus | None |
| Portal Boost | 1x |
| Merchant Category Insights | Supermarkets: Excludes Target, Walmart, and wholesale clubs like Costco/Sam's Club (MCC 5411 required) Dining: Includes bars, cafes, and some third-party delivery services (MCC 5812, 5814) |
Pricing Details
| Purchase APR | 26.24% - 35.24% |
| Cash Advance Fee | 5% |
| Balance Transfer Fee | None |
| Late Payment Fee | Up to $40 |
| Minimum Interest Charge | $1.00 |
| Grace Period | 25 days |
| Penalty APR | 36.74% |
Official Resources
Benefits & Partners
| Transfer Partners | None |
| Annual Credits | $120 Uber Cash (Annual) $120 Dining Credit $84 Dunkin' Credit $100 Resy Credit $100 Hotel Collection Credit |
| Partnership Benefits | 5 Programs |
| Dunkin' | 4.0x Amex Points |
| Grubhub | 4.0x Amex Points |
| Resy | 4.0x Amex Points |
| Uber | 1.0x Amex Points |
| Hotel Collection Perk | $100 Experience Credit ($8.33/mo) |
Usability & Experience
| Digital Wallets | apple-pay, google-pay, samsung-pay |
| Customer Service | 24/7 Premium Support |
| Instant Use | Available |
Strategy & Eligibility
| Min. Credit Score | 670+ |
| Recommended Range | Good |
| Chase 5/24 Rule | No |
| Lifetime Restriction | Yes |
| Active Family Restriction | No |
| Closure Grace Period | None |