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The American Express® Gold Card is a great fit for any wallet that wants to maximize travel, dining, and supermarket purchases—all pretty easy to earn rewards for. Plus, this semi-premium rewards card has plenty of exciting perks to offer, including up to $120 in annual credits in dining credits annually (terms apply, enrollment may be required). On top of that, new American Express® Gold Card cardholders can earn 60,000 Membership Rewards points after spending $4,000 on eligible purchases within the first 6 months.

Learn more: Johnny Jet Recommended Credit Cards

With that in mind, you may be wondering what credit score is needed for the Amex Gold? Let’s take a look.

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

credit score Amex Gold
With dining perks and benefits, you can earn rewards for your lifestyle. Knowing the credit score needed for the Amex Gold can help give you the best chances for approval. Credit: American Express

One Must Have Good or Excellent Credit

The Amex Gold offers above-average benefits. So what credit score is needed for the Amex Gold? The Amex Gold credit score needed isn’t exactly a straightforward answer. This means it needs a higher credit score and deeper credit history than most cards. However, the minimum score might be lower than you imagine.

Your approval odds can be high if your credit score is in the “good” or “excellent” categories.

Here are the starting points for both credit score ranges:

  • Good credit: 670 FICO score or 700 VantageScore 3.0
  • Excellent credit: 740 FICO score or 800 VantageScore 3.0

Most free credit score sites provide the VantageScore 3.0 version. Your bank or existing credit card may also provide a free VantageScore. In some cases, banks provide the FICO Score 8 for free.

Banks usually review your FICO Score 8 version when you apply for a new card.

Related: The Best Limited-Time Credit Card Offers

Established Credit History

Having a 700+ credit score isn’t the only requirement to qualify. In fact, American Express doesn’t disclose its secret approval formula. But there are several universal traits to have good creditworthiness.

Applicants will also most likely need to have at least one existing card in good standing to qualify for the American Express® Gold Card.

“Semi-premium travel cards” like the Amex Gold can be more difficult to qualify for. Having an established credit history demonstrating you can effectively manage credit can be very helpful.

While the minimum application age is 18 years old for many, the Gold Card has no preset spending limit. The actual spending limit depends on your average monthly spending and some other variables. No Preset Spending Limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.

Related: American Express Gold Card Review 2021: Rose Gold, Bonus Offer

A Good Income and Low Monthly Bills Helps Too

Having a good income and reasonable rent or mortgage expenses are desirable too. Amex has been issuing cards for decades and can predict how often most cardholders use their Amex card.

The bank wants to make sure you have the income to pay your monthly balance if your spending trends are similar to current Amex Gold cardholders.

Like other banks, you will answer several personal questions about your current finances. Amex crunches the numbers to make an application decision.

Recent Amex Gold Applications

Below are some testimonies of recent Amex Gold applications. Your current situation might be similar to these data points.

Instant Approval! (780 FICO)

Rpgough0311 reports being instantly approved for the Amex Gold with a FICO score between 760 and 780 with the three credit bureaus. They report Amex pulling from the Experian bureau.

This person also reports having 5 hard inquiries for other cards in the past 12 months, and up to 7 inquires for the last 24 months. They most likely would have been disqualified for a card affected by the Chase 5/24 rule for some perspective.

Having a low credit utilization rate between 2% and 5% on their other cards is probably helpful.

Their annual income is $65,000, roughly the average American income and not enough to live the lifestyle of the rich and famous.

Approved After Calling Amex (800 FICO)

AddictedtoApprovals had an 800 FICO score when trying for the Amex Gold. They didn’t get an instant approval decision but were approved after calling Amex customer service to check their application status.

Having an excellent credit score doesn’t always guarantee an instant approval decision. In some cases, an excellent credit score can mean a rejected application.

In this person’s case, they applied for 6 different Amex cards (3 consumer and 3 small business cards) between September 2019 and November 2020. The Amex Gold was the final application, but two personal card applications in early 2020 were declined.

Due to the volume of recent card applications, their Amex Gold application likely didn’t get an instant approval decision. Taking the time to call Amex can be worth it to prioritize your application and answer any remaining questions.

Approved After Previous Denials (700 FICO)

Jeffrey93 reports being denied twice before for an Amex card, but the third time was the charm in March 2021.

It took three years to rebuild his credit before getting approved with a FICO score between 664 and 710, depending on the bureau.

He chose the Rose Gold card design as a bonus.

American Express Gold Card Application Rules

There are several application guidelines to abide by to avoid an automatic decline, even if you have perfect credit.

1 in 5 Days Rule

Only try for one American Express card every 5 days. Other banks have a similar policy to prevent back-to-back applications.

2 in 90 Days Rules

Only try for 2 American Express cards in a rolling 90-day period.

Only 5 Amex Cards at a Time

This next rule may not affect the Amex Gold. You can only have a combination of 5 personal and small business American Express cards with a preset spending limit in your wallet at one time.

Once in a Lifetime Welcome Bonus

One final rule to pay attention to is the welcome bonus qualifications. American Express card welcome offers can only be earned once.

If you’re a returning Gold Card (or previously had the American Express Premier Rewards Gold) and earned a Gold Card welcome bonus, you can’t earn a second bonus.

You will need to try a different American Express card that you haven’t earned a welcome bonus for yet.

If this is your situation, see if you have another American Express card that earns Membership Rewards. If so, see if you can upgrade the card to a Gold Card to keep your credit history, avoid a new credit application and start enjoying the new card benefits.

Should You Try for the Amex Gold?

In a nutshell, you can qualify for the American Express Gold if you meet these criteria:

  • Have a minimum 670 FICO score
  • Your existing cards are in good standing
  • Qualify for the welcome offer

Summary

In conclusion, the credit score needed for the Amex Gold should be in the good to excellent credit range. It can be easier to qualify for the American Express® Gold Card than other rewards cards if you have several new cards and have good or excellent credit. Keeping your credit utilization rate low and having a clean credit report can also boost your approval odds.

FAQs

Is it hard to get an Amex Gold card?

Getting the Amex Gold Card isn’t the easiest card to qualify for as you need good or excellent credit. That means having a minimum 670 FICO score and existing cards in good standing.

Being an existing American Express cardholder can also make it easier to qualify.

At the same time, card churners that may be subject to the Chase 5/24 rule or similar policies may qualify for the American Express® Gold Card.

A low credit utilization rate and a positive payment history on existing cards can be sufficient if you have good or excellent credit.

Does Amex Gold have a spending limit?

No, the Amex Gold doesn’t have a preset spending limit. No Preset Spending Limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.

As a result, the Amex Gold Card doesn’t have a credit utilization rate on credit reports like many rewards credit cards. But, cardholders will need to pay their balance in full each month to keep their account in good standing and potentially improve their credit score.

For more expensive months, cardholders may want to call American Express to pre-authorize large purchases that may trigger a card fraud alert.

Learn more: Johnny Jet Recommended Credit Cards

Is the Amex Gold metal?

Yes, the Amex Gold Card is a metal credit card. The two available card designs are Gold and Rose Gold. Existing cardholders with the Gold design can request a Rose Gold design for free by contacting Amex.

Should I get Amex Gold or Amex Platinum?

Both cards are great choices if you will use the many benefits that come with each. To get a clearer understanding, let’s look at the perks of each. This is a general overview, but more detailed information can be found in our Amex Gold vs Amex Platinum review.

American Express Gold Card

The American Express® Gold Card is the better option if you want to maximize dining and grocery purchases plus pay a smaller annual fee of $250 (See Rates and Fees).

The Gold Card earns bonus points on these purchases:

  • 4x points on restaurants, including takeout and delivery
  • 4x points at U.S. supermarkets (on the first $25,000 per year, then 1x points)
  • 3x points on flights booked from airlines or on AmexTravel.com
  • Terms apply

Plus, new American Express® Gold Card cardholders can earn 60,000 Membership Rewards points after spending $4,000 on eligible purchases within the first 6 months.

This card also offers up to $120 in dining credits at select restaurants and up to $120 in Uber Cash per year for eats and rides (enrollment required, terms apply).

American Express Gold Card Uber Perks

American Express Gold Card cardholders can also get up to $120 in Uber Cash annually. Plus, you’ll earn 4x Membership Rewards® points for each Uber Eats purchase on your card. To use this perk, add your card to your Uber account, and you’ll automatically get $10 in Uber Cash each month in your Uber account for U.S. Uber Eats orders or U.S. Uber rides. Any unused Uber Cash expires at the end of each month (it does not roll over to the next month).

Cardholders also get up to 12 complimentary months of Eats Pass when you subscribe with your American Express Gold Card. That’s a value of up to $119 annually (based on the $9.99 monthly price over 12 months). With the Uber Eats Pass, you can get unlimited $0 Delivery Fees and 5% off orders over $15 at eligible restaurants. Note that taxes and service fees may apply and do not count toward the order minimum.

This benefit applies only in the U.S. on U.S. orders at eligible restaurants and eligible restaurant purchases.

Enrollment is required by 12/31/2021. After that, the Uber Eats Pass will begin auto-billing 12 months after your enrollment in this offer, at the then-current monthly price. Learn more about the Uber Eats partnership for more information.

Again, the credit score needed for the Amex Gold is in the good to excellent range.

Learn more: Johnny Jet Recommended Credit Cards

The Platinum Card from American Express

Choose The Platinum Card® from American Express for frequent traveler perks.

Cardholders earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel, up to $500,000 on these purchases per calendar year, and earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel.

Cardholders can get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when paying with their Platinum Card®.

Also, get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.

If you ride Uber or use Uber Eats, this credit will make you happy. Cardholders can enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Members only.

Plus, American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.

Terms apply. Enrollment may be required.

Other Platinum Card from American Express Benefits

There’s also a new digital entertainment credit. Cardholders can get up to $20 in statement credits each month when you pay for eligible purchases with The Platinum Card® from American Express at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.

In addition to enjoying TSA PreCheck or Global Entry access, cardholders can also enjoy CLEAR perks. Cardholders can use their Card and get up to $179 back per year on their CLEAR® membership. Terms apply.

Another exciting new benefit is the ability for cardholders to enjoy up to $25 back each month on select Equinox memberships when you pay with your Platinum Card®. This amounts to up to $300 annually. Enrollment required. 

There is also a $155 Walmart+ credit to enjoy. This covers the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.

Get the full details and learn more in our in-depth The Platinum Card from American Express review.

The annual fee is $695 (See Rates & Fees) but can be offset with the perks, which are valued at over $1,400. 

The Platinum Card from American Express Welcome Bonus

The annual fee is $695 (See Rates & Fees) but can be offset with the perks, which are valued at over $1,400.

Plus, new The Platinum Card® from American Express cardmembers can earn 100,000 Membership Rewards® Points after spending $6,000 on purchases on the Card in the first 6 months of Card Membership. New cardholders also earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership. Terms apply. 

Learn more: Johnny Jet Recommended Credit Cards

Related Articles:

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

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

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

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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.

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