You won’t be able to be approved for the American Express Centurion Bank Gold Card unless you have a flawless credit history, but the rewards are plentiful. More commonly known as the American Express Gold card, these personal credit cards are among the most popular and recognizable cards from American Express. The American Express Gold Card features rewards, exclusive benefits and a virtually limitless credit line, but there are some stipulations.
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The reason that it is so difficult to qualify for the American Express Gold card is because the issuer gives cardholders the ability to charge anything they want if they can pay off all their charges within one billing cycle. This is not a revolving balance credit card that you can keep using and paying on until you get to the max. Not only will you have to prove that you have a generous income, but you must also show that you have made responsible credit-related decisions in the past to get the American Express Gold card.
American Express Centurion Bank Gold Card Benefits
The American Express Membership Rewards program lets cardholders get anywhere from one to ten points for making regular purchases with their credit cards. The 2011 JD Power Credit Card Satisfaction Study lists American Express credit cards as being the highest rated. American Express Gold cardholders also get access to roadside assistance programs that enable them to get free towing and repair services, even if they need help more than once a year.
When concerts and sport events are sold out to the public, American Express Gold cardholders get to call their personal concierge service and find out if there are any reserved tickets available. One of the biggest perks associated with the American Express Gold card is that having one makes it easier to be approved for other similar credit cards.
American Express Centurion Bank Gold Card Fees
The American Express Gold credit card does have a steep yearly fee. At $125 a year, the membership fee can quickly pay off when you use all of American Express’s exclusive rewards.
There is no fixed interest rate, as all purchases made with the American Express have to be paid in full before the close of the following billing cycle. Fees may apply when cardholders do not honor their part of the agreement.
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