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Apply online for Premier Rewards Gold Card from American ExpressSponsored card
About Our Ratings
Credit Needed
Excellent

Premier Rewards Gold Card from American Express Review

Pros & Cons

  • 25,000 bonus Membership Rewards Points (up to $250 value) when you spend $2,000 in the first 3 months.
  • Very strong rewards rate towards travel expenses.3x points on flights booked with airlines; 2x points at US grocery stores, gas stations and restaurants, 1x point on everything else.

  • Standout travel features such as $100 airline fee credit (to cover incidentals like baggage fees or airport lounge access); transfer partners with whom you can transfer your miles to airlines and hotels (some at 1:1 ratio).
  • $0 annual fee for the first year, then $195 (a little on the hefty side, so cardholders should be heavier travelers to make the most of the rewards and offset the annual fee).

Top Features

Points or Miles
3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases. Terms and limitations apply
Bonus Miles or Points
25,000 Membership Rewards® Points
after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership
Purchase APR
N/A
Annual Fee
Introductory annual fee of $0 for the first year, then $195.

Full Review

Curtis Arnold Editor-in-chief

Premier Rewards® Gold Card from American Express Essentials

When considering a credit card, it is essential to determine which card will provide maximum benefits. Some credit cards have rotating categories which force a cardholder to think strategically about the use of their plastic, and some credit cards have fixed categories which are easily determined as a lifestyle fit or not.  Premier Rewards Gold Card from American Express (American Express is a Cardratings.com advertiser) is an example of a card that has outlined rewards which benefit nearly anyone’s lifestyle. 2x points for shopping at US grocery stores is an attractive rate, and 3x points for travel booked directly with airlines can go a long way for those who travel frequently and want to benefit from travel rewards and yet not be tied down to a single airline.

Here is a peek into what the Premier Rewards® Gold Card offers:

  • 25,000 Membership Rewards® points (a $250 value) when you spend $2,000 in the first 3 months
  • $0 annual fee (for the first year, $195 thereafter)
  • 3X points for flights booked directly with airlines
  • 2X points for purchases at U.S. supermarkets, gas stations and restaurants

The Premier Rewards Gold Card from American Express also makes “incidental” airline fees a little easier to swallow, too. American Express will pay up to $100 a year in statement credits when you are charged things like baggage fees, in-flight refreshments, flight-change fees and more.

What Our Editors Like Most About the Premier Rewards® Gold Card

The 25,000 bonus for spending $2,000 in the first 3 months is an obvious draw, but the 3X points for airfare purchases and the 2X points for life essentials like gasoline and food make this card stand out.  Not many credit cards on the market offer a high-ongoing rewards rate for both grocery and restaurant purchases.Does this sound like a familiar story: Flying to a destination, driving a rental car during the trip, and eating out each day. If the answer is yes, how are you using your credit card to reward yourself? Are you someone that likes to add a little sugar on top of your travel? This travel rewards card doesn’t limit your rewards redemption to travel purchases . Your points can be applied to:

  • Travel
  • Dining
  • Entertainment
  • Merchandise
  • Gift cards
  • Charity
  • Statement Credit
  • Point of sale: Think Taxis, Uber, McDonald’s and Chilis.

Potential Downsides of the Premier Rewards® Gold Card

Keep in mind, the Premier Rewards Gold Card from American Express is a charge card. The benefit is, you won’t incur interest, but if you don’t pay your balance in full each month the late fees will become daunting. The terms: late fees are $37 or 2.99% of the past due amount, whichever is greater so, if you have a $2,000 unpaid balance, you’ll owe an additional $60. Consider the fairly steep $195 annual fee that kicks in after the first year, too. There are competitor cards on the market with lower annual fees.

How the Premier Rewards® Gold Card Compares to Other Rewards Cards

Premier Rewards® Gold Card vs. Capital One® VentureOne® Rewards Credit Card

Capital One® VentureOne® Rewards Credit Card offers 20,000 bonus miles for spending $1,000 in the first 3 months. So, you get 5,000 less miles than the Premier Rewards® Gold Card but you can spend $1,000 less in the same time period.We like the Capital One® VentureOne® Rewards Credit Card annual fee: $0. And there's a generous 0% APR until 12 months associated with the offer, too. But you get what you pay for. The rewards for Capital One® VentureOne® — 1.25X points on all purchases — fall short of the rewards offered by the Premier Rewards® Gold Card.Our take: American Express pulls ahead, if you plan to spend a lot, and have the means to pay your balance off each month.

Premier Rewards® Gold Card vs. Citi ThankYou® Premier Card

The Citi ThankYou® Premier Card welcomes you with 40,000 bonus ThankYou Points after $3,000 in purchases within the first 3 months of account opening. There is a $95 annual fee tacked on to the ThankYou® Premier, which is $100 less than the Premier Rewards® Gold Card from American Express’s fee. But the $100 savings also gives you 1X less rewards on grocery and gas purchases. Here's Citi's reward program:

  • 3X points on travel and gas purchases
  • 2X points on dining and entertainment purchases
  • 1X point on other purchases

Not bad, Citi. Not bad.

Premier Rewards® Gold Card vs. U.S. Bank FlexPerks® Travel Rewards Visa Signature®

If you like charitable giving, the U.S. Bank FlexPerks® credit card may perk you up. It offers 3X points on purchases made at qualifying charitable and social service organizations if you are a Select cardholder and 1.5X points if you are a regular cardholder. Some other interesting features:

•2X points on the category you spend the most on (gas, groceries or airline) and most cell phone expenses during each billing cycle.

•0% APR on purchases and balance transfers the first year

•20,000 points if you spend $3,500 in the first 4 months (most reward credit card offers have a 3-month deadline)

Who Should Get the Premier Rewards® Gold Card from American Express?

We like the Premier Rewards Gold Card from American Express in the hands of someone with a steady paycheck and predictable monthly expenses. Simply because, we don't want to see consumers get dinged with the late fees when they had felt some comfort in the "no interest charges" feature of this American Express card.We see this card as friendly to people who like to travel. Because redeeming points can be done across a wide range of fun purchases, like tickets to Ticketmaster® and Telecharge.com events you can easily set up an epic trip of eating out, entertainment and hotel perks by using this card strategically.

This card compared to other travel rewards cards

Points or Miles
3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases. Terms and limitations apply
2X miles/$1 on all purchases. Get 5% miles back to use toward your next redemption, every time you redeem
1.5 pts/$1
Bonus Miles or Points
25,000 Membership Rewards® Points
after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership
40,000 bonus miles when you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $400 travel statement credit
20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit toward travel purchases
Purchase APR
N/A
16.24% or 20.24%* Variable 
15.24% - 23.24% Variable APR on purchases and balance transfers 
Annual Fee
Introductory annual fee of $0 for the first year, then $195.
$89 - Waived first year
$0.00
CardRatings.com Editorial Staff

Premier Rewards Gold Card from American Express details

Points or Miles
3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases. Terms and limitations apply
Bonus Miles or Points
25,000 Membership Rewards® Points
after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership
Purchase Intro
APR:
N/A
Purchase APR
N/A 
Annual Fee
Introductory annual fee of $0 for the first year, then $195.

What American Express says about this card

  • Receive 25,000 Membership Rewards® Points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
  • 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases. Terms and limitations apply.
  • No matter where you're traveling, when you use your Premier Rewards Gold Card there are no foreign transaction fees from American Express.
  • $100 Airline Fee Credit. Up to $100 a year in baggage fees and more at one airline.
  • Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, if available with The Hotel Collection at americanexpress.com/hc. Terms apply.
  • There is a $0 introductory annual fee for the first year, then $195.
  • Terms and limitations apply.

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Featured offers
Currently available on the Premier Rewards Gold Card from American Express
25,000 Membership Rewards® Points
After you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership

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Apply online for Barclaycard Arrival Plus™ World Elite MasterCard®

Barclaycard Arrival Plus™ World Elite MasterCard®

  • Earn 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $400 travel statement credit
  • Earn 2X miles on all purchases
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR will apply, currently 16.24% or 20.24%, depending on your creditworthiness.
  • Complimentary online FICO(R) Credit Score access for Barclaycard Arrival cardmembers
Credit Needed:
Excellent/Good
Apply online for BankAmericard Travel Rewards® Credit Card

BankAmericard Travel Rewards® Credit Card

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit toward travel purchases
  • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 15.24% - 23.24% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America(R) checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%. Click "Apply Now" to learn more about Preferred Rewards.
Credit Needed:
Excellent/Good