Monday, November 21, 2022

Amex Rose Gold Vs Gold

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Back By Popular Demand: Amex Gold Card In Sleek Rose Gold Metal

American Express Rose Gold vs. Gold – Hands-On, Up Close Color Comparison and Unboxing

They say looks aren’t everything but let’s be honest, it’s hard to ignore the striking American Express® Gold Card in Rose Gold.

Originally available in late 2018 , the card color is now back by popular demand for new cardholders. Amex says that in a recent survey, they found that three in five consumers would be interested in choosing their own card design.

With its pinkish gold hue and metallic texture, I’d argue Amex’s Gold card in Rose Gold is one of the best-looking credit cards out there. Thankfully, the card is great on the inside too. It earns top marks for dining and supermarkets, earning a spot on our lists of best cards for both categories.

Official application link: American Express® Gold Card — 60,000 Membership Rewards points after spending $4,000 on eligible purchases with the card in the first six months.

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Related: A full review of the Amex Gold card

The Amex Gold Card with Rose Gold and Gold color option offers 4x Membership Rewards points at restaurants, including takeout and delivery in the U.S., and at U.S. supermarkets , 3x points on flights booked directly with the airline or amextravel.com and an up to $120 dining credit .

You can also reap the rewards of a brand-new benefit: up to $120 annually in Uber Cash, which can be used on Uber Eats orders or Uber rides in the U.S. Just make sure to add your Gold Card to your Uber account first.

What Gold Card Authorized Do Users Get

In order to get an authorized user Gold card, you must first own the Amex Platinum Card and pay that cards $695 annual fee . Youll then be able to order Gold cards for authorized users for no additional fee . Just like the personal Platinum Card, Gold card AUs earn:

  • 5x points for the primary account on flights booked directly with airlines or with American Express Travel
  • 5x points on prepaid hotels booked with American Express Travel
  • 1x points on all other spending

Each additional card is eligible for one statement credit every four years toward the Global Entry/TSA PreCheck application fee . Incidental air travel fees charged by both Platinum and Gold card members are eligible for statement credits . These cards also can receive Amex Offers. Eligibility for these offers are limited. Enrollment is required in the Amex Offers section of your account before redeeming.

However, authorized user Gold cardholders are not eligible for Priority Pass Select membership or for access to Centurion Lounges, nor are they eligible for other perks such as annual Uber credits and elite status at certain hotels and rental car agencies.

Additional Platinum Card

American Express Gold Card Vs American Express Green Card*

With an annual fee of $150, the American Express® Green Card is one of the starter Membership Rewards cards. It earns 3 points per dollar on restaurant purchases, 3 points per dollar on travel including flights, hotels, transit, taxis, tours, and ridesharing services and 1 point per dollar on other purchases. The American Express Green Card could be a better fit than the Amex Gold if more of your budget is spent on getting around, particularly for those who commute and road-trip more than they fly.

Read our in-depth comparison of Amex Gold Vs. Platinum.

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Amex Platinum Perks And Credits

To justify its $695 annual fee, the Amex Platinum comes with a ton of perks. There are too many benefits to list them all, but Ill go through some of the highlights.

First, the card offers over $1,600 in annual statement credits, including:

  • Up to $200 airline incidental credit Not valid for the purchase of airfare, but you can use this credit for incidental charges like seat selection, bag fees, lounge access, etc.*
  • Up to $200 in annual Uber cash Up to $15 a month with a $20 bonus in December when you add your card to your Uber account.*
  • Up to $100 annual Saks Fifth Avenue credit $50 valid for purchases made between January and June, and another $50 for purchases made between July and December.*
  • Up to a $200 annual hotel credit Valid on prepaid Amex Fine Hotels and Resorts or The Hotel Collection bookings with Amex Travel when you pay with your Amex Platinum.*
  • Up to $189 annual CLEAR® credit to cover your annual membership.*
  • Up to $240 annual digital entertainment credit $20 in monthly statement credits when you pay for eligible purchases with the Amex Platinum at select partners.*
  • Up to $300 annual Equinox credit $25 in monthly statement credits on select Equinox memberships of Equinox+ app.*
  • Up to a $155 statement credit that covers the cost of an annual Walmart+ membership when paying with their Amex Platinum. Plus Ups are excluded.*

*Enrollment is required for select benefits, and terms apply.

Enrollment required for select benefits.

Why You Might Want The Amex Gold Card

Unity

Along with the Amex Golds numerous benefits, rewards-savvy cardholders and frequent travelers will love the cards impressive rewards rate, bonus category variety, flexible point transfers and high point redemption potential. Combined, these benefits can carry a lot of value. However, there is a bit of strategizing that comes with carrying this card and making the most of it.

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Is It Worthwhile To Collect American Express Membership Rewards Points

Absolutely! We have an entire guide to Amex Transfer Partners and Best Uses for Membership Rewards that I highly recommend reading through. Earning lots of points is great, but knowing how to optimize your redemptions is even better!

You can transfer to the frequent flyer programs of 19 airline partners and 3 hotel chains. As youll read in the guide, my favorite redemption partners include ANA, Aeroplan, Virgin Atlantic, Cathay Pacific AsiaMiles, British Airways Avios, Delta, Etihad Guest, Singapore Airlines, Emirates, and Avianca LifeMiles.

The Amex Rose Gold Card Is Back

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list ofour partnersandhere’s how we make money.

Yes, its kind of silly. No, it doesnt offer any additional benefits. And yet … its strangely compelling.

Were talking about the American Express® Gold Cards rose gold version, which is now a permanent color option for the card. American Express own description explains it all: It’s a variation on the Gold Card. It has the same great features and benefits, with a stylish hue. Plus, it’s metal.

The last time this rose gold variant was available was in 2019 but then, it was only by referral. This time around, new card applicants can apply on their own and select the color they want. If you already have the American Express® Gold Card, you may call and request to change out your card to the rose gold edition.

» Learn more:American Express Gold Card review: Dining rewards royalty

As a new American Express® Gold Card holder, youll be eligible to receive the following welcome bonus: Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership. Terms Apply.

All that glitters is not gold it could be rose gold.

partner offers

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Is The Amex Gold Card Right For You

I got the AMEX ROSE GOLD CARD! *UNBOXING*

For the right cardholder, the Amex Gold is absolutely worth it. The card offers the highest combined rewards rate you can find on both U.S. supermarket and restaurant purchases making it ideal for foodies and household shoppers. Plus, it comes with several travel protections and credits that can help offset its high annual fee.

If you take full advantage of the Amex Gold cards rewards and benefits, the cards value should easily eclipse the annual fee, adding up to over $500 in value.

Evaluating the Amex Golds value relative to its annual fee, personal finance writer Nicole Dieker put it like this: What you might not realize is that the credits, points and benefits offered by the American Express Gold Card can more than offset the annual fee especially if you use your Amex Gold Card wisely.

Heres a quick look at just how much value the cards perks alone can offer the ideal user:

Perk

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Does Amex Gold Have A Spending Limit

No, the Amex Gold doesnt have a preset spending limit. No Preset Spending Limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.

As a result, the Amex Gold Card doesnt have a credit utilization rate on credit reports like many rewards credit cards. But, cardholders will need to pay their balance in full each month to keep their account in good standing and potentially improve their credit score.

For more expensive months, cardholders may want to call American Express to pre-authorize large purchases that may trigger a card fraud alert.

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When To Go For The Amex Gold

The American Express® Gold Card is a great option for these reasons:

  • Want to earn bonus Membership Rewards on dining and grocery purchases
  • Can earn bonus points on flights booked directly from the airline or AmexTravel.com
  • Prefer dining credits to travel credits
  • Wont regularly use the Platinum Card unique card benefits
  • Desire a lower annual fee

The Amex Gold doesnt have as many travel benefits but that can be okay if you dont need complimentary airport lounge access or Global Entry/TSA PreCheck.

This card is also a better option if you dont travel frequently. You will most likely have an easier time maximizing the Amex Gold dining perks versus the Amex Platinum travel benefits.

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Is The Amex Gold Card A Credit Card Or A Charge Card

Technically, it was long considered a charge card. The various American Express cards that have just a color as the name were all technically charge products.

Unlike a typical credit card, the Gold Card has No Preset Spending Limit, which allows you to carry a balance for certain charges, but not all of them, using a feature called Pay Over Time. Your spending limit is flexible and may vary over time based on things like your purchase, payment, and credit history.

The distinction is also important because Amex has a interesting product limit per person.

You can have 5 Amex credit cards but up to 10 Amex cards that were formerly classified as charge cards. Since its very easy to run out of credit card slots in your American Express profile, its good to know that even if you are at your 5 credit card max, you could still get an Amex Gold card.

Its also important to know that American Express has moved away from the concept of charge cards for cardholders. All cards formerly referred to as charge cards now feature a Pay Over Time APR feature to make them function similar to traditional credit cards.

Traditionally, the Amex portfolio of charge cards were cards in which you could not carry a balance and had to pay all charges in full each month. But with Pay Over Time now built into the charge cards by default, this no longer really applies. Unlike typical credit cards, these Cards allows you to carry a balance for certain charges, but not all of them.

What Is Rose Gold And Why Is My Amex Card This Color

Balance

Unless youve been hiding under a rock for the past few years youve probably heard about rose gold as a trendy color. It first hit the mainstream as a color choice for the iPhone 6S in 2015. While its easy to dismiss it as just a shade of pink, rose gold is an actual thing.

Rose gold is an alloy consisting of 24-karat yellow gold, copper and sometimes silver. The amount of copper determines the amount of rose color. Its not a new color it dates back to the early 19th century and was used by Faberge in his famous eggs.

However, its only recently that the color has once again become a fashion trend. Heres a Buzzfeed article about 24 Rose Gold items you need to have. If youre a Disney fan, a set of Rose Gold Mickey Ears are still a treasured commodity, as theyre on the 3rd edition since the 2017 release.

For points and miles collectors, the most likely place youll find anything Rose Gold colored is in your wallet with an American Express Rose Gold Card.

In 2018, American Express relaunched the Gold card with new benefits and a higher annual fee. As a part of that rollout, the new metal card was offered in a Gold or Rose Gold version.

Eventually, AMEX stopped letting people choose the Rose Gold version. Until recently, the only choice was a regular Gold card.

AMEX apparently was getting plenty of requests for the return of Rose Gold and per their own surveys.

The only card where Id understand picking your card design is with the card. Id also get the

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Does The Gold Card Have A Preset Spending Limit

With the Pay Over Time feature, as we mentioned above, the Amex Gold card now functions more like a credit card. But, as it is still technically a charge card, you wont be granted a specific preset spending limit. Instead, your monthly spend patterns will dictate your actual limit each month. If you consistently spend a certain amount month, youll be able to gradually spend more than that with on-time payments. Your credit profile may dictate a certain cutoff point, but you can generally charge more on a Amex Gold card than on a traditional credit card.

How To Use Uber Cash

What Is Uber Cash?

Uber Cash is a payment option that can be used to pay for Uber Eats and Rides in the U.S.

How Does Uber Cash work?

If you add an American Express Rose Gold or Gold Card to your Uber account, $10 in Uber Cash will be deposited into your Uber account every month. Otherwise, you can purchase Uber Cash within the Uber app or redeem Uber Cash through gift cards. You can check your Uber Cash balance by choosing Wallet from the menu in the Uber app. Uber Cash doesnt expire, and orders purchased with Uber Cash cost the same as using any other payment method.

How to Use Uber Cash

Using Uber Cash is fairly straightforward:

  • Log into your Uber app and create an order.
  • On the checkout screen, select Uber Cash as your payment method.
  • Review and place your order.
  • If you dont have enough Uber Cash to cover the cost of your purchase, you can cover the remainder with your default payment method.

    Beyond rewards and credits, either color of Amex Gold offers various extra benefits, including:

    One Card, Two Styles: Rose Gold vs Gold

    If the subtle-yet-stylish metallic pink hue of Rose Gold isnt your color, remember: choose Gold and youll get all the same benefits with a classic Amex look. Its only the Cards exteriors that differ, so you can pick the one that suits your style.

    The Takeaway

    Article Sources and Notes

    2 For more on Offer and Benefit Terms for the American Express Gold/Rose Gold Card, click here.

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    Why The Amex Gold Card Is Worth It

    It goes without saying that theres no one size fits all card strategy out there. However, among premium rewards cards, I think the Amex Gold Card is as close to that as it gets. Everyone has to eat, and the Amex Gold Card rewards that generously, whether you like to dine at restaurants, shop at supermarkets, or both.

    Amex Membership Rewards points are extremely valuable, and earning 4x points on restaurants and U.S. supermarkets is a return thats not offered by any other card.

    Admittedly the card does have a $250 annual fee, which might be a deterrent to some. However, that fee is potentially almost entirely offset by the up to $240 in annual benefits you can get, between the $10 monthly dining benefit and the $10 monthly Uber Cash benefit:

    • The monthly Uber Cash benefit is useful whether youre booking a rideshare or ordering food via Uber Eats
    • The $10 dining benefit can be used in a variety of ways I think its easiest to max out with Grubhub, but there are other options as well

    This is a card where I think the perks more or less offset the annual fee, and then the 4x points in two popular categories is the icing on the cake. For anyone who spends a decent amount on food, this really supercharges your points earning potential.

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