The American Express Centurion Bank Express American Express Premier Rewards Gold Card is no longer known by this name. Instead, it is offered by American Express Bank rather than Centurion Bank. This is a rewards card that is for people with great to perfect credit. This is not a bad credit credit card!
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Technically speaking, Centurion Bank is still on the books, but on the AMEX website as well as online, you won’t find any reference to Centurion Bank by AMEX, only to American Express Bank. It is possible that this is because most people don’t associate Centurion Bank with American Express.
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AMEX Premier Rewards Gold Card Overview
This credit card, as mentioned above, is a rewards credit card. It offers a three-tiered program for earning points. You can earn three points for every $1 you spend on airfare, two points for every $1 you spend on groceries or gas and one point for every $1 you spend on everything else.
When you activate your card, you are eligible for the 10,000 bonus points program. To earn these bonus points, you have to spend $1000 on you card within the first three months after card activation. Points can be redeemed for:
- Car rentals
- Gift cards
American Express also offers roadside assistance to all of their cardholder and towing for up to $50. The car include baggage insurance, as well as rental car insurance coverage and travel accident insurance, when you use your card to rent your car or book your travel.
AMEX Premier Rewards Gold Card Terms
American Express does not share what your APR will be as they base it solely on your credit score rather than placing it within a range. That is why it is important to know your credit score and what’s on your credit report. You can get your free credit report once a year from AnnualCreditReport.com, according to the Federal Trade Commission.
There is an annual fee of $175 for this card that is waived for the first year. There is only one transaction fee and that is for foreign transactions. This fee is 2.7% of the total transaction.
Lastly, there is no penalty fee but there are returned and late payment fees, which will vary depending on the number of times you have been late as well as the balance on your credit card.
AMEX Premier Rewards Gold Card Verdict
This could actually prove to be an excellent credit card from AMEX; however, they don’t provide enough information regarding the interest rate to know whether this is a low interest credit card. In addition, those of you with less than perfect credit will be unable to qualify for this card.
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