AMERICAN EXPRESS / REWARDS
American Express Goldfees & costs
A rewards card with a $325 annual fee and no foreign-transaction fee. Evaluate its benefits against your existing spending habits.
U.S. consumer card · Reviewed
Fee breakdown
Published fees for the U.S. consumer product. Your offer or existing card agreement may differ.
| Annual membership | $325 per year. Source |
|---|---|
| Foreign transactions | No issuer foreign-transaction fee. Source |
| Additional Gold Cards | The first five additional Gold Cards have no annual fee. Check issuer terms for further cards. Source |
| Other charges & APR | Review the issuer's current pricing disclosure for interest rates, transfer and cash-advance fees, late charges, and any installment-plan charges not listed above. Current offer and terms |
A foreign-transaction fee is separate from exchange rates, ATM charges or fees imposed by a merchant. Fee examples exclude these costs.
A SIMPLE EXAMPLE
$325 in yearly fees
With $1,000 in foreign purchases: $325 annual fee + $0 foreign-transaction fees = $325.
Illustration only. No interest, other fees, rewards or credits are included.
Try your own spending amount →What the card offers
Earn Membership Rewards points, with a focus on eligible dining and U.S. supermarket purchases. Category definitions and spending caps apply. Rewards terms
When to compare it
Compare it if food spending is a meaningful part of your budget and you can use the card's benefits without buying things you otherwise would not.
What to watch
Statement credits can require enrollment, qualifying merchants and use within specific periods. Unused credits do not reduce the annual fee you pay.
Issuer sources & review notes
Reviewed October 13, 2026. These are direct issuer links. Published fees can change and offers can vary by applicant or channel. Before applying, use the current rates-and-fees disclosure for the offer you receive.
- American Express Gold: official card and offer terms
- American Express: Gold annual and additional-card fees
- American Express Gold: no foreign-transaction fee benefit
FeeHQ provides general cost information, not personalized financial advice. We do not guarantee approval, benefits or savings.