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American Express Rewards Plus Gold Card

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The American Express Rewards Plus Gold Card works on the American Express network and is primarily intended for consumers who have Good or better credit history.

The American Express Rewards Plus Gold Card has an annual fee of $0.00 for first year or $150.00 for following years. If you miss a monthly payment on this card,…

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Card at-a-glance

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Rates & Fees Summary:

  • Intro purchase rate: N/A
  • Purchase rate: N/A
  • Intro balance transfer rate: N/A
  • Balance transfer rate: N/A
  • Annual Fee*: N/A
  • Balance transfer fee*: N/A

Rewards Summary:

  • Sign-up Bonus: N/A
  • Base earning rate: 1 point / $1
  • Max earning rate: 2 points / $1
  • Bonus Categories: Hotels, Airfare
  • Total Earning Limit: None
*See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information, however all credit card information is presented without warranty. You should review all credit card terms and conditions on the card issuer's website after clicking "Apply Now". Best efforts are made to match you with cards you will qualify for based on your indicated credit level/FICO score, however issuers evaluate several factors with your application and BillShrink is unable to guarantee approval.

Card rates and fees

Select a credit rating to view corresponding estimated rates:
Annual Fee* $0.00 for first year
$150.00 for following years
Late payment fee* 3% (Between $0.00 - $35.00)
Late payment fee* 3% (Between $0.00 - $35.00)
Late payment fee* 3% (Between $0.00 - $35.00)
Late payment fee* 3% (Between $0.00 - $35.00)
Late payment fee* 3% (Between $0.00 - $35.00)
*See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information, however all credit card information is presented without warranty. You should review all credit card terms and conditions on the card issuer's website after clicking "Apply Now". Best efforts are made to match you with cards you will qualify for based on your indicated credit level/FICO score, however issuers evaluate several factors with your application and BillShrink is unable to guarantee approval.
Rewards
Rewards Program Membership Rewards
Reward Units Points
Rewards Expiration None
Total Earning Limit None
Program website http://www.membershiprewards.com
Airfare 2 points per each $1 spent for first 12 months, 1.5 points per each $1 spent after 12 months
Hotels 2 points per each $1 spent for first 12 months, 1.5 points per each $1 spent after 12 months
All Other Purchases 1 point per each $1 spent
Features and Benefits
Category Consumer
Network American Express
Min Credit Level Good (700 - 749)
Instant Approval Yes
No Annual Fee No
Rewards Program Yes
Universal Default No
Revolving Credit No
Secured Card No
Manage Your Card Account Online
Buyer's Assurance Plan
Emergency Check Cashing
Save with American Express Selects
Global Assist Hotline
Assured Reservations
Emergency Card replacement
Emergency Check-In
Purchase Protection (Shop with confidence and Purchase Protection, which protects eligible purchases made with the Card against accidental damage and theft for up to 90 days from the date of purchase)
Car Rental Loss and Damage Insurance (The Car Rental Loss and Damage Insurance Plan provides coverage for theft of or damage to most rental vehicles. Coverage applies for the first 30 days of an auto rental if rented from a Car Rental Company.)
American Express Preferred Rewards Travel Service
Baggage Insurance Plan
Gold Card Events
Online Year-End Summary
Fraud Protection Guarantee
Travel Accident Insurance (Protect yourself and your family with up to $100,000 in Travel Accident Insurance. Automatic coverage for accidental death and dismemberment insurance while traveling on a Common Carrier Conveyance (plane, train, helicopter, ship, or bus) when the entire fare has been charged to the Card)
Return Protection (If you try to return a designated item within 90 days from the date of purchase and the merchant won't take it back, American Express will refund the full purchase price, up to $300 per item, excluding shipping and handling and up to a maximum of $1,000 annually per Card Account)
Credit Cardholders' Bill of Rights compliance
Congress has expanded your rights as a credit card holder!
Click here to read about these rights or browse this card's compliance below.
How does this card comply?
Protection from arbitrary rate increases
The right to have rates reviewed and reduced
Fair allocation of payments
No universal default
No double-cycle billing
No fees for paying your bill
Protection from due date gimmicks
Enough time to pay your bill
Education on dangers of minimum payments
Protection of young cardholders
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