Amex Gold: costs, credits and limits
The private Amex Gold costs €20 per month (€240 per year) and earns 1 Membership Rewards point per eligible €1. It can suit someone who already uses the insurance and credits; it is a poor foreign-spend or cash-withdrawal card.
Gold Current offer
| Maximum welcome bonus | Up to 50,000 Membership Rewards points |
|---|---|
| First stage | 20,000 points at €3,000 spend |
| Second stage | A further 30,000 points at a further €2,000 spend |
| Total qualifying spend | €5,000 |
| Spend window | 6 months |
| New-customer rule | No primary card for the same German product in the previous 18 months |
| Minimum retention for bonus | 12 months |
| Officially verified | 16 September 2026 |
Costs, credits and fit
Costs and credits
Regular terms
| Item | Current regular term |
|---|---|
| Card fee | €20/month |
| Base earning | 1 MR point per eligible €1 |
| Foreign-currency fee | 2% |
| Cash withdrawal | 4%, minimum €5; activation and weekly limits apply |
| Repayment | Full monthly statement |
| Included supplementary card | One plastic Gold card |
Credits are conditional
Amex advertises up to €430 per year across SIXT+, SIXT rent, FREENOW and LODENFREY. The credits are split by month or half-year and require registration, the correct merchant or booking channel and payment with the main card. Unused portions generally expire.
Do not subtract €430 automatically from the fee. Write down what you spent with each merchant before considering the card, then count only the credits that replace those purchases.
Before you apply
The verified Gold offer above is separate from the regular €240 annual commitment. It is useful only when the qualifying spend comes from purchases you already planned.
Apply for Gold Card
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Source: official Amex Gold product page and linked price, benefit and insurance terms. The current offer facts are rendered from the accepted official snapshot shown above.