American Express Canada
American Express Gold Rewards Card
Welcome Bonus
Earn 5,000 points per month for 10 months
points travel dining points-transfer premium
Annual Fee
$250
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Quick Stats
Annual Fee
$250
Purchase APR
21.99%
FX Fee
2.5%
Card Type
amex
Rewards & Earning Rates
| Spending Category | Earn Rate |
|---|---|
| Travel booked directly | 2 Membership Rewards points per $1 |
| Dining at restaurants | 2 Membership Rewards points per $1 |
| All other purchases | 1 Membership Rewards point per $1 |
Welcome Bonus Details
New American Express Gold Rewards Cardmembers earn 5,000 Membership Rewards points for each monthly billing period in which you spend $1,000 or more, for up to 10 months (total 50,000 bonus points possible).
Fees & Interest Rates
| Annual Fee | $250.00 |
| Additional Card Fee | $50.00 |
| Purchase Interest Rate | 21.99% |
| Cash Advance Interest Rate | 21.99% |
| Foreign Transaction Fee | 2.5% |
Pros & Cons
Pros
- Up to 50,000 Membership Rewards points welcome bonus
- $100 annual travel credit (reduces effective fee to $150)
- 2x points on travel and dining
- 4 complimentary Plaza Premium Lounge visits annually
- No pre-set spending limit
- Metal card (13g stainless steel)
- Comprehensive travel insurance
Cons
- $250 annual fee
- $50 for each additional Gold Card after first two
- 2.5% foreign transaction fee
- Limited acceptance (Amex not as widely accepted)
- Lower earn rates than Amex Cobalt
- Must spend $1,000/month to maximize welcome bonus
- Travel credit requires specific use
Eligibility Requirements
Good to excellent credit; no income requirement; best for travelers who value flexibility
Recommended Credit Score: 680+
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