Fine Print Bureau
American Express Gold Card
Verified 2026-10-12 against American Express Bank's own terms page.
What it costs
- Annual fee: $325
- APR range: not verified
- Foreign transaction fee: None
What you get, and what you have to do to get it
- American Express Venue Collection™ (calendar year)
- Baggage Insurance Plan (per trip)
- Car Rental Loss and Damage Insurance (per trip)
- Dining Credit (annual)
- Dunkin' Credit (annual)
- Global Assist® Hotline (other)
- Hertz Five Star® Status (cardmember year)
- No Foreign Transaction Fees (other)
- Resy Credit (calendar year)
- The Hotel Collection Credit (per stay)
- Trip Delay Insurance (per trip)
- Uber Cash (annual)
Only benefits whose terms have cleared review are listed — a benefit the issuer advertises but that has not been verified here is omitted rather than repeated. Per-benefit values are not shown because the underlying field mixes dollars, miles, points and insurance limits without recording which. The dollar question is answered below.
What the fee costs you regardless of use
The $325 annual fee is charged whether or not you use any of the benefits above. Against it, our Fee Reality model estimates $158 of credit value actually realized by a typical cardholder, out of $524 of advertised face value.
Modeled, confidence grade C — not a measurement of your own redemptions. See the Fee Reality Check for the credit-by-credit breakdown.
Date verified and source
Verified 2026-10-12 directly against the issuer's published terms: View American Express Bank's official terms page
Every figure above traces to a source-evidence row reviewed against the issuer's own terms page — not an aggregator. See the Fine Print Bureau methodology.