Premier Rewards Gold Card from American Express

Robin Saks Frankel  in  Excellent Credit Advertising Disclosure

Best for airline fee credit

Annual Fee:
Introductory annual fee of $0 for the first year, then $195.
Purchase Intro APR:
Balance Transfer Intro APR:
Regular APR:
Terms and Restrictions Apply | Rates and Fees
Bankrate Score: 90 out of 100

Commonly used for: Excellent Credit, No Foreign Transaction Fees, Rewards, Travel.

This card offer is currently unavailable on Bankrate. To see more cards in this category, please visit our excellent credit category page.

Editor’s note: Unfortunately this offer is no longer available. Check out our list of best American Express credit cards for alternative offers. 

If your goal is to earn maximum points when you pay for air travel so that you can travel even more, the Premier Rewards Gold Card from American Express is a great way to get there.

The steep $195 annual fee (waived the first year) shouldn’t be a deterrent either if you are a frequent flyer.


If you spend a bunch on plane tickets, it’s hard to top a rewards rate of 3 Membership Rewards points per $1 spent on airfare purchased directly from the airlines. You’ll also earn 2x points at U.S. supermarkets, U.S. restaurants and U.S. gas stations, plus a nice welcome offer to boot. All other spending earns 1 point per dollar spent.

You’ll earn 25,000 points, worth about $250 in travel benefit, if you meet the minimum spending requirement of $2,000 on purchases within the first three months of card ownership.

Combine the fat intro bonus with your other earnings and you could be on your way to some premium tickets, upscale lodging or some other way to pamper yourself with points.

It doesn’t hurt that the card comes with some great features for travelers like premium roadside assistance, a $75 hotel credit on qualifying charges when available with The Hotel Collection, and auto and luggage protections.

Who should get this card

For someone wants to earn maximum points on their spending, and does a lot of flying, the Premier Rewards Gold Card could be a good fit. This card may not have the razzle-dazzle of other premium travel rewards cards in terms of lounge access and check-in perks, but the trade-off is it’s about half the price annually as the big boys and still gives a solid rewards rate.

Because it’s a charge card and not a credit card, you should only own this card if you know you can pay the balance in full every month.

  • Earn 25,000 rewards points after you spend $2,000 on purchases on your new card in your first three months of Card Membership.
  • Rewards structure for travel and everyday spending are the same as the premium rewards cards but this card costs less to own.
  • There's a $100 annual airline fee credit to cover incidentals.
  • Terms apply.
  • As this is a charge card, you have to pay your balance in full every month.
  • This card doesn’t come with airport lounge access or Global Entry fee reimbursement.
  • The double rewards on restaurants, supermarkets and gas stations only apply in the U.S.
  • The $100 incidental airline credit can only be applied to one selected airline.

Fees and APR

  • There’s no APR because this is a charge card and the bill has to be paid in full each month.
  • There’s a $195 annual fee, waived the first year.
  • You won’t be charged a foreign transaction fee for purchases made outside the U.S.
  • Late payments may incur a fee up to $38.
  • See Rates & Fees.

Extras, perks and using points

You can receive as many as five additional cards without incurring an additional annual fee.

You can get 2x the points per eligible $1 spent, plus a $75 hotel credit to use on qualifying dining, spa and resort activities when you book at least two consecutive nights at a participating property through the American Express travel site.

Premium roadside assistance, 24-hour global assistance and auto and travel protections are all included.

Points can be used to pay for travel through American Express Travel. A minimum of 5,000 points is required.

You can transfer Membership Rewards points to airline and hotel partners, use to book AirBnB stays, buy gift cards or redeem for statement credit.

How this card compares

Barclaycard Arrival Plus® World Elite Mastercard®
  • Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days
  • Earn unlimited 2X miles on every purchase
  • New - Control Your Card - Instantly secure your accounts by locking your cards with Barclays SecurHold™, plus set transaction limits and block certain purchase categories for you or your authorized users. Available only on the Barclays mobile app.
  • Book travel your way—no airline, seat or hotel restrictions—and redeem your miles for travel statement credits
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • No foreign transaction fees
  • International Chip and PIN for use at self-service chip terminals around the world
  • Miles don't expire as long as your account is open, active and in good standing
Apply Now On Barclays's secure website
Credit Needed


Regular APR

18.24%, 22.24% or 25.24% variable based on your creditworthiness

Annual Fee

$89 (waived first year)

Purchase Intro APR


Balance Transfers Intro APR

0% intro for first 12 billing cycles following each BT that posts within 45 days of account opening

The Barclaycard Arrival Plus® World Elite Mastercard® will appeal to those who want the most flexible redemption options for their miles. You can use your earnings to book travel, get a statement credit for travel purchases, or for gift cards and select merchandise. This may be of greater value to you depending on your spending habits.