Credit card

American Express Gold Card

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AMEX

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Card review

American Express Gold Card

4.3 8.6/10 DebitCue Score Verified Jun 20, 2026

Premium-Reisekarte aus Metall mit umfangreichem Versicherungsschutz

Fee: €240 EUR/yr (≈ $260); No standard waiver; partial offset via annual statement credits (up to €290+ in mobility and shopping benefits)
Purchase APR: Not published
Interest-free: 30 days
Foreign fee: 2%

Rewards

1 Membership Rewards point per €1 spent. Points redeemable for airline transfers, hotel transfers, shopping, travel portal, and statement credits. No expiry.

Welcome offer

Up to 55,000 Membership Rewards points: 35,000 after €3,000 spend + 20,000 after additional €2,000 spend within first 6 months; alternatively promoted as up to €200 statement credit

Our verdict

What stands out, and where it falls short.

What we like

1 Membership Rewards point per €1 spent. Points redeemable…
Welcome bonus
Airport lounge access
Travel insurance included
Pay in installments

Worth weighing

€240 EUR/yr (≈ $260) card fee
2% foreign transaction fee

Who It Is For

Whether the American Express Gold Card fits how you actually spend.

Pick it if you are

Frequent travelers
People who want rewards on their spending
Travelers who value airport lounges
People who pay big purchases off over time

Skip it if you are

Light spenders who won't beat the €240 EUR/yr (≈ $260) fee
Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in EUR.

Card fee: €240 EUR/yr (≈ $260)
Purchase APR: Not published
Interest-free period: 30 days
Foreign transaction fee: 2%
Monatsentgelt: 20 € / Monat (240 € / Jahr)
Fremdwährungsgebühr: 2,0 % außerhalb Eurozone
Bargeldabhebung: 4,0 %, mindestens 5,00 € (wöchentliches Limit: 1.500 €)

Rewards and features

Rewards: 1 Membership Rewards point per €1 spent. Points redeemable for airline transfers, hotel transfers, shopping, travel portal, and statement credits. No expiry.
Welcome offer: Up to 55,000 Membership Rewards points: 35,000 after €3,000 spend + 20,000 after additional €2,000 spend within first 6 months; alternatively promoted as up to €200 statement credit
Installments: Splitpay optional installment loan via solarisBank (nominal rate 11% p.a., effective ~11.57% p.a.)
Pay with: Apple Pay, Google Pay, Contactless
Verfügbare Design-Variante: Gold Card Rosé aus Metall – identische Konditionen, nur Design unterschiedlich
GHA DISCOVERY Status: Gold-Status bei über 850 Hotels weltweit automatisch inklusive

Benefits and perks

Extras that come bundled with the card.

Umfangreiches Reiseversicherungspaket

International health insurance, trip cancellation/interruption, baggage, flight delay, and roadside assistance across Europe
Priority Pass (ermäßigt)

Discounted Priority Pass membership access to 1,300+ airport lounges
Mietwagen-Vollkaskoschutz

Rental car comprehensive coverage included
ShopGarant 90-Tage-Kaufschutz

90-day purchase protection against theft and accidental damage
FREENOW Taxi-Guthaben

€5 monthly FREENOW taxi credit (€60/year) valid in Germany
SIXT Mietwagen-Guthaben

Two €25 SIXT Rent vouchers per year (€50 total)

American Express Gold Card: your questions answered

How much does the American Express Gold Card cost?

The American Express Gold Card costs €240 EUR/yr (≈ $260). No standard waiver; partial offset via annual statement credits (up to €290+ in mobility and shopping benefits).

What rewards does the American Express Gold Card earn?

The American Express Gold Card earns 1 Membership Rewards point per €1 spent. Points redeemable for airline transfers, hotel transfers, shopping, travel portal, and statement credits. No expiry..

Does the American Express Gold Card charge foreign transaction fees?

Yes - the American Express Gold Card charges a 2% foreign transaction fee.

Is there an interest-free period on the American Express Gold Card?

Yes - up to 30 days interest-free when you pay your balance in full by the due date.

Does the American Express Gold Card have a welcome offer?

Yes - Up to 55,000 Membership Rewards points: 35,000 after €3,000 spend + 20,000 after additional €2,000 spend within first 6 months; alternatively promoted as up to €200 statement credit.

Can I pay in installments with the American Express Gold Card?

Yes - Splitpay optional installment loan via solarisBank (nominal rate 11% p.a., effective ~11.57% p.a.).

Is the American Express Gold Card a credit, debit or prepaid card?

The American Express Gold Card is a credit card issued by American Express Germany on the American Express network.

Does the American Express Gold Card support Apple Pay and Google Pay?

Yes - the American Express Gold Card works with both Apple Pay and Google Pay.

Where can I get the American Express Gold Card?

The American Express Gold Card is currently offered in Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia and 22 more.

How does DebitCue rate the American Express Gold Card?

DebitCue rates the American Express Gold Card 4.3 out of 5 (8.6/10), scored on the same factors as every card - fees, rewards, perks and ease of use.