American Express Premier Rewards Gold charge card

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at issuer’s secured site
good credit
rewards 1x-2x-3x on every dollar +25,000
  • earn 3x points on airplane tickets booked directly with airlines
  • 2x points for gas, supermarkets 
  • 1 point per dollar on everything else
  • get 25,000 points after spending $3,000 in the first 3 months of the account

 

$175 annual fee, waived for first year

charge card, need to pay off balance in full every month

Editors Review

Notice: this is technically not a credit but a charge card – you cannot keep a balance on the card because monthly balance should be paid every month in full.

Pros

  • 25,000 points sign-up bonus  after spending $2,000 on the card in the first three months
  • 3 points per $1 on flights (booked directly with airlines), 2 points on gas and supermarkets inside the U.S.
  • 1 point per dollar on all other purchases
  • American Express Membership reward points are on the top of the travel miles chart with a buying power up to 2 cents each, if you use it right

Cons

  • A charge card – you should pay off your balance in full every month
  • 2.7% international transaction fee – not a good feature for a premium travel card

Verdict

Here is another American Express Gold card that offers no sign up bonus and 1x-3x rewards rate for a $175 annual fee. 

Those who prefer a credit card and not a charge card can have a look at AmEx Everyday Preferred card with 3x points on groceries and 2x on gas.

Travel cards from competitors like Barclaycard Arrival Plus with 2x points on all purchases or Chase Sapphire Preferred with 2x rewards on travel purchases have considerably smaller annual fee. 

Last updated: 06/15/2015




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