American Express Gold Rewards Card review

Compare Compare  
Advertiser Disclosure

Interest Rate: Purchases
30%
Balance Transfer
-
Rewards
1 - 2 points
Signup Bonus
25000 points (after spending $1,500)


Am I eligible?


American Express Gold Rewards Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be at least 18 years of age (AB, MB, ON, PE, QA, SK). 19 in all other provinces.
Yes Be a permanent or temporary resident of Canada
Yes Have a minimum personal income of $20000.

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


Credit Cards Canada

If you’re looking for a credit card with brand loyalty and exceptional perks, look no further than American Express. The sign-up bonus is hard to beat and the Gold Rewards Card offers long term value even after the first year. If you’re a frequent flyer who is a member of several airline loyalty pro...

- Credit Cards Canada
Miles Collection

This card is a must have card in your wallet from my own point of view. You cannot find any other cards that offer you free 30000 points (which is worth of at least 500 dollars) without annual fee as a public offer. If you have lots of spending on gas,groceries and trip cost, you will accumulate poi...

- THE PH.D GUY, Miles Collection
LowestRates.ca

One more caveat is that this is an American Express product. Anyone who lives in an area with a lot of small, independent businesses that don’t take American Express might pause at choosing this card, as it shines when you can spend and build up points. Otherwise, this is a fantastic card to have in...

- John Shmuel, LowestRates.ca
Money We Have

Overall my American Express Gold Rewards card review is positive, but only if you plan on converting your points to one of the other rewards programs. The AMEX rewards program offers full flexibility, but at a return of 1%, you’re better off using a different rewards program

- Barry Choi, Money We Have
PointsWise

This is a must have card for anyone hoping to leverage rewards programs to travel for less. It’s usually the first card I recommend to beginners as the welcome bonus is enough for a round-trip flight anywhere in North America.

- Tyler Weatherup, PointsWise

Details


Interest Rates
Regular APR Interest Rate 30%

Interest rate only applies to balances not paid in full.

Balance Transfer Interest Rate

No interest charges because you pay your balance in full each month

Cash Advance Interest Rate

No interest charges because you pay your balance in full each month

Rates & Fees
Annual Fee $150.00

Waived on the first year.

Balance Transfer Fee
Cash Advance Fee 3%

Minimum of $0.75

Foreign Transaction Fee 2.5%

Transactions made in a foreign currency will be converted and posted to your account in Canadian currency.

Over Limit Fee
Late Payment Fee
Promotions
Sign up bonus 25000 points after spending $1,500

On purchases within the first 3 months.

Rewards
All Purchases 1 point per $1 spent
Restaurants No
Gas 2 points per $1 spent
Groceries 2 points per $1 spent
Hotels 2 points per $1 spent
Travel 2 points per $1 spent

On eligible purchases on flights, cruises, and car rentals.

Pharmacy 2 points per $1 spent
Bills No
Additional Details
  • Receive a $75 USD hotel credit to use on amenities such as dining, spa or other leisure facilities when charged to the room.
  • One-category room upgrade at check-in, when available.
Features & Benefits
Additional Card Holders Yes

$50 per year for each card, first card's free.

Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount Yes
Extended Warranty Yes
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance Yes
Concierge Service Yes
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments Apple Pay
Additional Benefits
  • Trip Interruption Insurance
  • Lost or Stolen Baggage Insurance
  • Flight Delay Insurance
  • Hotel/Motel Burglary Insuranc
Eligibility
Minimum Security Deposit $0
Minimum Age

18 years in AB, MB, ON, PE, QA, SK. 19 years in all other provinces.

Minimum Personal Income $20,000 per year


Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
Suggest a correction

Disclaimer: All products, logos, images and trademarks are the property of their respective owners. Content is not provided or commissioned by any company mentioned. Any views, analyses, or recommendations expressed here are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any company mentioned.

Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

The Informr is an independent, advertising supported website and may receive compensation for sponsorships or when you click on certain affiliated links.

Use this card?

Help inform others by sharing your experience with American Express Gold Rewards Card

Rate It:

Critic Reviews


Credit Cards Canada

Premium features, benefits and perks

Credit Cards Canada

If you’re looking for a credit card with brand loyalty and exceptional perks, look no further than American Express. The sign-up bonus is hard to beat and the Gold Rewards Card offers long term value even after the first year. If you’re a frequent flyer who is a member of several airline lo...More

If you’re looking for a credit card with brand loyalty and exceptional perks, look no further than American Express. The sign-up bonus is hard to beat and the Gold Rewards Card offers long term value even after the first year. If you’re a frequent flyer who is a member of several airline loyalty programs, you’ll get the most out of this card due to the ability to transfer your points to Aeroplan, Delta, SPG, etc.

Read full review

Less

Miles Collection

A must have card in your wallet

from Miles Collection

This card is a must have card in your wallet from my own point of view. You cannot find any other cards that offer you free 30000 points (which is worth of at least 500 dollars) without annual fee as a public offer. If you have lots of spending on gas,groceries and trip cost, you will accumulate points at the fastest rate.

Read full review

This card is a must have card in your wallet from my own point of view. You cannot find any other cards that offer you free 30000 points (which is worth of at least 500 dollars) without annual fee as a public offer. If you have lots of spending on gas,groceries and trip cost, you will accumulate points at the fastest rate.

Read full review

Less

LowestRates.ca

Best generalist travel rewards cards available in Canada

from LowestRates.ca

One more caveat is that this is an American Express product. Anyone who lives in an area with a lot of small, independent businesses that don’t take American Express might pause at choosing this card, as it shines when you can spend and build up points. Otherwise, this is a fantastic card to have in your wallet.

Read full review

One more caveat is that this is an American Express product. Anyone who lives in an area with a lot of small, independent businesses that don’t take American Express might pause at choosing this card, as it shines when you can spend and build up points. Otherwise, this is a fantastic card to have in your wallet.

Read full review

Less

Money We Have

Best option for people who are looking to earn Aeroplan points fast

from Money We Have

Overall my American Express Gold Rewards card review is positive, but only if you plan on converting your points to one of the other rewards programs. The AMEX rewards program offers full flexibility, but at a return of 1%, you’re better off using a different rewards program

Read full review

Overall my American Express Gold Rewards card review is positive, but only if you plan on converting your points to one of the other rewards programs. The AMEX rewards program offers full flexibility, but at a return of 1%, you’re better off using a different rewards program

Read full review

Less

PointsWise

Best travel rewards card for Canadians

from PointsWise

This is a must have card for anyone hoping to leverage rewards programs to travel for less. It’s usually the first card I recommend to beginners as the welcome bonus is enough for a round-trip flight anywhere in North America.

Read full review

This is a must have card for anyone hoping to leverage rewards programs to travel for less. It’s usually the first card I recommend to beginners as the welcome bonus is enough for a round-trip flight anywhere in North America.

Read full review

Less

GreedyRates.ca

This card offers unparalleled flexibility and convenience when redeeming

GreedyRates.ca

The Amex Gold Rewards Card becomes the richest Aeroplan card available (a hidden gem). In effect, by getting the Gold Rewards Card, you get 25,000 Aeroplan points as your sign-up bonus, and you can earn 2 Aeroplan points per $1 spent for gas, grocery, drug store, flight, hotel, train, cruise and other travel purchases.

Read full review

The Amex Gold Rewards Card becomes the richest Aeroplan card available (a hidden gem). In effect, by getting the Gold Rewards Card, you get 25,000 Aeroplan points as your sign-up bonus, and you can earn 2 Aeroplan points per $1 spent for gas, grocery, drug store, flight, hotel, train, cruise and other travel purchases.

Read full review

Less

CreditWalk

The best benefit of this card is that when it comes to insurance

from CreditWalk

The American Express Gold Rewards card is a great card to apply for in the first year, when you get a nice sign up bonus and the first year free. Basically American Express is giving you a ~$250 – $400 of value for holding on to the card.

Read full review

The American Express Gold Rewards card is a great card to apply for in the first year, when you get a nice sign up bonus and the first year free. Basically American Express is giving you a ~$250 – $400 of value for holding on to the card.

Read full review

Less

RateSupermarket

Comprehensive roundup of perks

from RateSupermarket

Boasts the chance to fly long-haul with its 25,000-first purchase bonus. It also offers great travel insurance coverage and premium security features such as purchase protection and buyer’s assistance. As well, being an American Express offering, cardholders will have access to their Entertainment Access features suite.

Read full review

Boasts the chance to fly long-haul with its 25,000-first purchase bonus. It also offers great travel insurance coverage and premium security features such as purchase protection and buyer’s assistance. As well, being an American Express offering, cardholders will have access to their Entertainment Access features suite.

Read full review

Less

User Reviews


Darn, there are no reviews yet for this credit card. Be the first to write a review.