Premier Rewards Gold Card Review

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American Express Premier Rewards Gold Card BigAs we mentioned earlier, J.D. Power ranked American Express as the best overall credit cards for customer satisfaction. After that article, I realized that I had never reviewed the one American Express card I’ve carried for years – the American Express® Premier Rewards Gold Card.  Actually, American Express offers two different gold cards. They have the American Express® Gold Card, of course. But they also have the American Express® Premier Rewards Gold Card, which is what I use. Basically, the card offers richer benefits, but with a slightly higher annual fee (after the first year, which is waived).

Premier Rewards Gold Card

The American Express® Premier Rewards Gold Card is what I carry now. The big difference as compared to the standard Gold card is that you earn points faster and have annual bonus points if you spend at least $1,000. Here are the details:

  • Get 25,000 Membership Rewards® points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
  • Earn Fast: 3X points for flights booked with airlines, 2X points at US gas stations and US supermarkets, 1X points on other purchases. Terms and limitations apply.
  • You can transfer points to over 20 frequent traveler programs or use points for gift cards at popular stores.
  • Use your Card for retail, dining, travel or groceries, then go online and use points towards your eligible charges.
  • As an added bonus, you can get 15,000 points after you spend $30,000 in purchases on the Card in one year.
  • $0 introductory annual fee for the first year, then $175.
  • Terms and Restrictions Apply.

Other Card Benefits

With both cards, the Rewards points can be used to purchase just about anything. Points never expire, and they can even be transferred to frequent flyer programs:

  • Use points whenever you’re ready — they have no expiration date
  • Use the Pay with Points feature at American Express Travel and fly any airline, anytime, anywhere – there are no blackout dates or seat restrictions
  • Redeem points for virtually anything from merchandise and gift cards to entertainment and travel
  • Transfer points to frequent flyer programs or redeem for gift cards from some of the best names in retail and dining

Known for its excellent travel services, the American Express® Premier Rewards Gold Card offer some unique advantages when you are on the road:

  • We’ll get you back on track in no time with 24-hour Roadside Assistance when you travel. And when you rent a car with your Card, you can be covered under Car Rental Loss and Damage Insurance — at no additional charge.
  • With the Baggage Insurance Plan, you get automatic coverage against lost, stolen, or damaged baggage to checked and carry-on baggage when you purchase your Common Carrier tickets — for a plane, train, helicopter, ship, or bus — with your Card.
  • Travel Accident Insurance provides up to $250,000 in accidental death and dismemberment insurance while traveling on a Common Carrier Conveyance (plane, train, ship, helicopter, or bus) when the entire fare has been charged to the Card.
  • Get emergency assistance anywhere, anytime with the Global Assist® Hotline. When you’re more than 100 miles from home, one phone call to Amex can help connect you with the help you need — from doctor referrals to passport assistance and emergency cash.
  • Enjoy Preferred Seating at some of the most sought-after events in the country. You can get access to music, theater, sports, and family event tickets – often before they go on sale to the general public.

American Express also offers protection on retail purchases you make with the cards:

  • Extend the length of the original manufacturer’s warranty, up to one year, on your eligible purchases that have U.S. warranties of 5 years or less when the purchase is charged to the Card
  • If you change your mind on a purchase and the store won’t take it back, American Express will refund the purchase price
  • 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

Over the years, we’ve taken advantage of many of these benefits. While this card includes an annual fee, we’ve found the excellent service and features of the card to be well worth it.

Published or Updated: February 28, 2014
About Rob Berger

Rob founded the Dough Roller in 2007. A litigation attorney in the securities industry, he lives in Northern Virginia with his wife, their two teenagers, and the family mascot, a shih tzu named Sophie.

Comments

  1. quotation form says:

    I am planning to have an American Express Gold card. I was trying to findout infpormation about its features and facilities but could not find more comprehensive and to the point information than this article. Keep doing the good job.

  2. SaraJC says:

    This card has lots of good benefits. I also own american express with costco and well I practically get cash back in the end. If your the type that likes to pay with credit cards and has the money to pay off the whole amount by the the end of the month, then this is for you because well its easier not to get in card debt and youll get great benefits out of it too =D

    Im adding this comment ( like you mentioned =] ) aswell for the $100 g/c giveaway!
    Im a Creative Gifter =D
    Sara is a Creative Gifter!
    You’re the one who likes to create a one-of-a-kind gift. Look for ways to create a memorable experience for your loved ones this holiday without doubling the time and effort on gift giving each year by using your American Express Card to get access to advance ticket sales and much more

  3. NANCY HEYMANN says:

    HOW DO I USE POINTS TO PAY FOR AIRLINE TICKETS

    • DR says:

      Nancy, when you book travel through Amex, you can simply select an option to pay with points It’s really quite easy.

  4. Greg Martin says:

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