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American Express® Gold Credit Card full review: Get travel perks!

Are you looking for a card with travel insurance and lifestyle rewards? Read our American Express® Gold Credit Card review to learn more!

American Express® Gold Credit Card: Earn lifestyle vouchers and travel insurance!

This credit card has premium travel benefits and more. Source: The Mister Finance.
This credit card has premium travel benefits and more. Source: The Mister Finance.

Are you a South African looking to explore the world while enjoying rewards and lifestyle vouchers? Read our American Express® Gold Credit Card review to see how you can do it!

American Express® Gold Credit Card

How to apply for the American Express® Gold Credit

Learn how to apply for the American Express® Gold Credit Card and get the best travel perks, insurance, and even lifestyle rewards!

Requirements*You’ll need to have an income of at least R17,000 per month (before tax) and have a very healthy credit score. Plus other requirements.
*Terms apply.
Initiation Fee*R180.
Rates & Fees.
Monthly Fee*R75 per month for the primary card and no monthly fee for the additional card.
Rates & Fees.
Fees*Credit facility service fee: R21 per month;
Linkage fee: R28 per month;
No fee for card enrollment;
2% international currency conversion fee;
No late payment fees;
There can be other fees.
Rates & Fees.
Rewards*You can earn monthly lifestyle vouchers when you spend R3,500 per month (it needs to be valued at more than your monthly card fees);
Also, earn 5,000 bonus Membership Rewards® points when spending R10,000 in your first 3 months using the card.
*Terms apply.

Also, you can have this card as your go-to travel companion! Therefore, this review of the American Express® Gold Credit Card explores its versatile benefits, excellent value for money, and reliable services!

So, keep reading if you’re looking for the perfect card that offers fantastic perks and protects you with extended coverage!

How does the American Express® Gold Credit Card work?

The American Express® Gold Credit Card offers incredible perks to its cardholders. Moreover, you can get exclusive travel perks, such as airport lounge access and travel insurance!

In addition, you’ll get one complimentary lifestyle voucher every month when you spend R3,500 or more per month!

Also, you’ll love the incredible welcome offer of 5,000 bonus Membership Rewards® points!

American Express® Gold Credit Card benefits

You can get points for every purchase to travel more. Source: Canva.
You can get points for every purchase to travel more. Source: Canva.

As we mentioned, this card offers incredible perks like travel insurance, airport lounge access, lifestyle benefits, and much more!

Moreover, you can even find perks at eligible hotels with exclusive discounts and hotel credit! Also, this card offers Bidvest Premier Club perks!

However, this card also has some downsides. Therefore, you can read our pros and cons list below to learn more!

Pros

  • You can earn a monthly lifestyle voucher when you spend R3,500 or more per month;
  • Earn 5,000 bonus Membership Rewards® points as a welcome offer;
  • Get exclusive airport lounge access;
  • Access travel insurance.

Cons

  • You can only apply for this card with a good credit score;
  • The required monthly income can be high;
  • There could be more varied rewards.

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How good does your credit score need to be?

You’ll need to meet some requirements to qualify for this Amex credit card. Therefore, you’ll need at least a healthy credit score before starting the application.

Moreover, you’ll also need to meet other requirements, such as an income of at least R17,000 per month before tax.

How to apply for the American Express® Gold Credit Card?

You can apply for this American Express card online and through the application form on the official website. So, you’ll only need to provide the personal information required and wait for a response!

American Express® Gold Credit Card

How to apply for the American Express® Gold Credit

Learn how to apply for the American Express® Gold Credit Card and get the best travel perks, insurance, and even lifestyle rewards!

About the author  /  Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by  /  Aline Barbosa

Senior Editor

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