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If you are thinking about applying for the American Express® Gold Card, the minimum spend requirement has changed. The Amex Gold Card welcome bonus is still 35,000 Membership Rewards points worth $350 in award travel. But you will now need to spend $4,000 in the first 3 months instead of $2,000.

Gold Card Signup Bonus
Get 4x points on dining worldwide and $120 in annual dining credits with the Amex Gold Card. Credit: Pexels

This is a bummer. However, the Gold Card is still one of the best American Express credit cards.

American Express Gold Card Welcome Bonus

The Gold Card’s welcome bonus is 35,000 Membership Rewards points after spending $4,000 in the first 3 months. You can earn this bonus once. So if you have earned it before, even as a Premier Rewards Card owner, you most likely won’t qualify to earn this welcome offer a second time.

The bonus is worth $350 in award flights booked on You can also transfer your Membership Rewards points (often on a 1:1 basis) to airline and hotel partners including Delta, British Airways, Singapore Airlines, and Emirates. Point transfers usually make each point worth at least 1 cent each (which is their standard redemption value).

Amex Gold Card Benefits

No other benefit changes are happening to the Amex Gold at this time. Other key benefits include:

  • Earn 4x Membership Rewards on dining worldwide, including takeaway and deliveries and on the first $25,000 spent at U.S. supermarkets, then 1x per $1 spent
  • Earn 3x points on flights booked through the airline or on (1x point for everything else)
  • $120 in annual dining credits ($10 monthly credit; enrollment required) at select dining partners
  • $100 airline fee credit for incidental fees at one qualifying airline
  • No foreign transaction fee (See Rates & Fees)

The annual fee is $250 (See Rates & Fees). You will have the best approval odds if your personal credit score is at least 700. Ideally, apply for the American Express Gold Card with a 740+ credit score.

Earn up to 100,000 Bonus Membership Rewards

When you can spend an extra $1,000 in the first 3 months, you can earn a welcome bonus that’s worth up to $650 more. Instead of spending $4,000 to get 35,000 Membership Rewards points, you can spend $5,000 and get 100,000 bonus Membership Rewards points.

You may qualify to earn 100,000 bonus Membership Rewards with the Platinum Card from American Express when you spend $5,000 in the first 3 months. See if you qualify for the Platinum Card using the CardMatch tool. This bonus is worth $1,000 in award travel. Otherwise, the standard welcome bonus is 60,000 bonus points ($600 in award travel) with the same $5,000 minimum spend in 3 months.

For rates and fees of The American Express® Gold Card, please click here.

Josh Patoka

Chase Sapphire Preferred® Card

  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®.
  • 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 80,000 points are worth $1,000 toward travel.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That’s 3X points in addition to the 2X points you already earn on travel.

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Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.

1 Comment On "Heads Up! American Express Gold Card Welcome Bonus Changes"
  1. George|

    Glad I jumped on the 50k/$2k when that came around!

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