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A guide to cruise line private islands: What they are and what you can expect
In addition to cruising, Ashley is obsessed with reading, lawn gnomes, pizza, cats, CrossFit, SEO and proper grammar.
February 21, 2025 • 17 min read
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Quick summary
Private islands on cruise itineraries are exclusive destinations owned or operated by cruise lines, primarily in the Bahamas and Caribbean.
These islands offer curated experiences with beaches, water sports, bars, shops and included meals, but often lack cultural immersion and can become crowded.
Some private islands require tender boats for access, which may pose challenges for travelers with mobility issues or reduce time ashore.
Several cruise lines are expanding or upgrading their private destinations, adding new features, amenities and dedicated areas for families or adults.
What to consider
Amenities, food options and available excursions can vary by cruise line and even by which brand is visiting on a given day.
Some islands require tendering, which can mean long waits and limited accessibility for those with mobility needs.
Purchases on most islands are cashless, but some destinations may not accept cruise cards for payment.
What you'll miss from the article
A comprehensive comparison of major cruise line private islands, including unique features, pros and cons and upcoming developments.
Generated by AI with support from our editorial team.
What is a private island? Perhaps you’re having visions of relaxing on a secluded beach, cocktail in hand, without another person in sight. That might be true in some cases. But, when you’re on a cruise, private islands are only private in the sense that they’re exclusive to passengers on ships that call there.
If you’re looking at a Caribbean or Bahamas itinerary and see a listing for an unfamiliar port — such as Great Stirrup Cay, Half Moon Cay or Perfect Day at CocoCay — it could be a cruise line-owned or -operated private island.
Most major cruise lines either have their own private islands or share one with other brands under the same corporate umbrella. Some of the islands are owned by the lines that visit them, while others are leased by the lines from the countries that own them.
The main function of these oases, most of which are located in the Bahamas, is to provide cruisers with a relaxing and exclusive experience that’s clean, contained and carefully quality-controlled. It's also a way for cruise lines to earn additional revenue, even when passengers are ashore.
If you’re looking for more information about the private island experience, as well as a list of these private islands, which lines operate them and what you can expect when you call there, you’ve come to the right place.
Pros and cons of cruise line private islands
The view from a villa on Half Moon Cay, which serves Carnival and Holland America ships. CARNIVAL CRUISE LINE
If you love a good beach day, you’ll likely be a fan of cruise line private islands. In most cases, beaches are the highlights of private island calls. Most activities center on sunning and swimming, water sports or other outdoor pursuits.
All cruise line private islands feature alfresco bars, souvenir shops and beach equipment rentals. Some islands also offer amusements like zip lines and water parks, kiddie play areas and rental cabanas of varying levels of luxury. Available shore excursions may include options like swimming with stingrays, Jet Ski rides and snorkeling.
Lunch is included on almost all private islands, usually in the form of a complimentary barbecue buffet. For purchases, most islands accept cruise cards as payment, which will add charges for things like alcohol to your onboard account (so you don’t need to bring cash).
Bathrooms and outdoor showers for washing off sand are conveniently located.
But don’t set your standards too high, as the islands are small and can be crowded. That’s especially true if you’re on a megaship or if there are multiple ships calling on the same day. If you can’t hack it in the sun all day, there isn’t much else to do compared to calling on a port that’s open to the public.
Although the somewhat sheltered vibe is nice when you just want a day at the beach, it also means your time ashore is likely to be devoid of cultural immersion. Excursions and souvenirs are limited. If you prefer to visit populated islands and engage with the people who live there, a private island might feel like a wasted port day on your itinerary.
Also, while most of the industry’s private islands have docks, the rest require ships to anchor nearby and shuttle passengers back and forth from ship to shore. Be prepared for queues if you want to get off the ship right away; the lengthy process can detract from the time you’re able to spend enjoying the port. Tender boats are not always accessible to travelers with mobility difficulties.
Private islands are a cruise fan favorite, as indicated by the fact that Royal Caribbean's Perfect Day at CocoCay was voted the best cruise port in the world in 2024. These private paradises are stops on the majority of Bahamas and Caribbean itineraries. Set your expectations correctly, and you’re sure to have a relaxing day on the beach.
Castaway Cay (Disney Cruise Line)
Goofy interacting with a child on Disney Cruise Line's Castaway Cay. DISNEY CRUISE LINE
This private island, owned by Disney Cruise Line, spans about 1,000 acres in the Bahamas. On a visit there, passengers can take a free tram from the dock to one of three stops that provide access to the kids area, the family beach, the waterslides and the adults-only area. Castaway Cay is also walkable.
Cruisers can go back to the ship to have lunch, or they can snag a free barbecue meal at one of two buffets on shore.
Shore excursions are available, including paddleboarding and personal watercraft tours. Rentals are also available for snorkeling gear, water floats and bicycles. If you’re an active traveler, try biking the loop to the island’s lookout point or signing up for the Castaway Cay 5K run; every participant earns a medal.
Cruisers take part in a kayaking excursion on Norwegian Cruise Line's Great Stirrup Cay. NORWEGIAN CRUISE LINE
Great Stirrup Cay, which is owned and operated by Norwegian Cruise Line, is a tender port that stretches across 250 acres in the Bahamas, about 140 miles east of Miami.
It offers plenty of beach areas with loungers, including a family beach area, as well as private beach villas for cruisers booked in Norwegian’s The Haven. There’s also a zip line.
The island’s free buffets offer a selection of food — including hot dogs and hamburgers, pizza, fruit and desserts — plus drinks at lunchtime.
Half Moon Cay (Carnival Cruise Line and Holland America Line)
Lunch from The Lobster Shack on Half Moon Cay. ASHLEY KOSCIOLEK/THE POINTS GUY
Half Moon Cay — located in the Bahamas, about 100 miles southeast of Nassau — is owned by Carnival Corporation and plays host to both Carnival Cruise Line and Holland America ships.
Although offerings are similar, there are some nuances depending on which line is in port on a given day. For example, when Holland America is anchored, drink packages are available on shore, private cabana and villa rentals are more expensive and passengers can opt for a seafood lunch from The Lobster Shack. However, The Lobster Shack isn't open when Carnival ships are in port, and passengers aren't allowed to use their drink packages ashore. (Holland America and Carnival ships do not visit the island at the same time.)
Water sports rentals and shore excursions such as horseback riding, snorkeling and biking/hiking tours are available for booking. For anyone wanting a lazy beach day, Half Moon Cay boasts 2.5 miles of white sand for lounging and sunbathing. There are also children’s areas for the kids to splash and play.
Recently, Carnival Corporation announced that it will be investing heavily in upgrading and rebranding the island to Relax Away, Half Moon Cay. New features will roll out in 2026 and include more food-and-beverage venues, larger beaches and a pier, which means ships will no longer have to tender passengers ashore.
Harvest Caye (Norwegian Cruise Line)
A passenger tries the zip line on Norwegian Cruise Line’s Harvest Caye. NORWEGIAN CRUISE LINE
Harvest Caye, Norwegian’s second private island, opened in 2016, providing a plethora of outdoor activities for visitors.
Just a few miles offshore from Placencia, Belize, the 75-acre property offers both a beach with loungers and private villas and a lagoon pool with a swim-up bar, lounge chairs and private cabanas. The island also features shops selling local wares, a zip line, a lighthouse that you can climb, a kids splash park and a wildlife sanctuary with birds, butterflies and snakes. Shore excursions include options like parasailing and kayaking.
Unlike most other private islands, Harvest Caye doesn’t offer any free food options on shore. Passengers will find a bar and grill, but all the food and drinks come with a fee, and you can’t pay with your cruise card. Anyone not wishing to spend the extra cash can head back to the ship for a meal.
Ocean Cay Marine Reserve (MSC Cruises)
MSC Seashore docked at the private island Ocean Cay in the Bahamas. ASHLEY KOSCIOLEK/THE POINTS GUY
MSC Cruises gave Ocean Cay Marine Reserve a total makeover after it purchased the island from the Bahamian government. What for years had been a human-made industrial wasteland about 20 miles south of Bimini is now an island teeming with new plant life and clean beaches. That includes two beach areas for families, complete with shallow water and a floating submarine attraction.
In terms of ambience, the area feels natural and untouched — a far cry from some of the more gimmicky private islands operated by other cruise lines.
Ocean Cay is outfitted with a dock, which eliminates the need for tendering. Shore excursions are available, and free eats are served at the island’s food court buffet. If you’d like to branch out a bit, try something from one of the multiple food trucks or the Lighthouse Bar (for an extra fee).
On sailings where the ship stays late into the night, you won’t want to miss the lighthouse light show and beach party. Trust me when I say it’s the highlight of a call there.
Perfect Day at CocoCay (Royal Caribbean and Celebrity Cruises)
Freedom of the Seas docked at Perfect Day at CocoCay, Royal Caribbean's private island. ASHLEY KOSCIOLEK/THE POINTS GUY
Royal Caribbean‘s Perfect Day at CocoCay (formerly just CocoCay) in the Bahamas recently underwent a massive expansion that added several free eateries, bars for added-fee drinks, exclusive villa and beach club areas and stands selling souvenirs and offering complimentary treats like funnel cakes and burgers.
In addition to the beaches that are open to all passengers, the cruise line's private island is home to a massive water park that’s ideal for families, complete with a wave pool and several waterslides — including the tallest one in North America.
Royal Caribbean further expanded CocoCay in 2024 to include Hideaway Beach, a raucous adults-only beach club area that's accessible for an added fee. That same year, Celebrity Cruises — Royal Caribbean's sister brand and previously the only major cruise line without a private island — began calling on Perfect Day.
A tram will take you wherever you’d like to go on the massive 125-acre island that features a dock, so tendering isn't required. Despite the enviable vistas afforded by the multiple beaches and pools, some of the best views can be had from a ride on a tethered helium balloon that will take you 450 feet up in the air.
Princess Cays (Princess Cruises and Carnival Cruise line)
Sand bikes on the beach at Princess Cays, Princess Cruises’ private island. PRINCESS CRUISES
The tender island of Princess Cays, found on Eleuthera in the Bahamas (about 70 miles from Nassau), covers 40 acres. It’s operated mainly by Princess Cruises — hence the name — but Carnival Cruise Line (which shares the Carnival Corp. parent company with Princess) also calls there.
In addition to a half-mile of sandy beaches with loungers and umbrellas, cruisers can enjoy private clamshells and bungalows for rent, as well as a free beach barbecue. Walkways make it easy for visitors to meander from one area to another, and excursions abound, including stingray encounters, banana boat rides and fishing, among other pursuits.
The destination also houses a selection of shops, water sports rentals and bars for enjoying a cold adult beverage or two. If you’d like to drink those beverages in peace, you can drop your children in at the small, supervised kids club area that offers a playground and a wading pool.
Other tailored shoreside cruise experiences
The Ultimate Family Cabana at the Royal Beach Club Paradise Island. ROYAL CARIBBEAN
Private islands aren’t the only ways cruise lines offer curated experiences to their passengers on shore. Several brands have also developed private areas within larger destinations.
One of the newest such developments is Celebration Key, a private area for Carnival Cruise Line passengers that's set to open in mid-2025 on the south side of Grand Bahama Island in the Bahamas. Much like Half Moon Cay, Celebration Key will offer dedicated beaches, pools, restaurants and bars, plus cabanas and shopping opportunities. The only real difference is that it's not on its own island.
Not to be outdone, Royal Caribbean has three different private destinations — Royal Beach Club Paradise Island (opening in late 2025), Royal Beach Club Cozumel (2026) and Perfect Day Mexico (2027) — in the works. The first two will be sold as for-fee shore excursions for passengers on Royal Caribbean Group ships (those in the Royal Caribbean, Celebrity and Silversea Cruises fleets) that call on Nassau and Cozumel, Mexico, respectively. Perfect Day Mexico aims to be an offshoot of Perfect Day at CocoCay, offering passengers a similar experience in Mahahual, near Costa Maya, Mexico, rather than on a private island.
The Royal Beach Club Paradise Island will offer more than 40 pay-to-use cabanas, including a two-story one meant for families. In addition to plenty of places to eat, the 17-acre property will feature 10 bars, including three swim-up bars — one of which the line claims is the largest in the world. Dubbed the "Floating Flamingo," it will seat more than 100 people.
In 2024, Disney Cruise Line opened Disney Lookout Cay at Lighthouse Point, located on the southeastern tip of the Bahamian island of Eleuthera. The private destination is split into two sections: Mabrika Cove and Goombay. The former serves as a welcome area and features family cabanas, as well as coffee beverages and souvenirs. A tram will take you to Goombay, where you'll find a series of boardwalks that connect you to buffet venues, bars, arts and culture buildings, performance areas, an activity pavilion and a nature trail. There are two beaches: Family Beach, which is for everyone, and Serenity Bay Beach, which caters only to passengers 18 and older.
The Lagoon Pool at Bimini Beach Club. ERICA SILVERSTEIN/THE POINTS GUY
Another example of an exclusive and carefully crafted cruise line destination is the Beach Club at Bimini, a locale in the Bahamas that Virgin Voyages developed in partnership with Resorts World. When a Virgin ship is docked, its passengers have exclusive use of the Beach Club. Passengers who visit with other cruise lines can purchase day passes as long as a Virgin ship isn’t in port.
Further, Labadee, a beach area in Haiti, is a private beach location reserved for Royal Caribbean and Celebrity passengers only. Because Labadee occupies only part of an inhabited island, access to the island is not exclusive to Royal Caribbean passengers, but access to the Labadee area is.
Although MSC Cruises initially spruced up Abu Dhabi’s Sir Bani Yas area, other cruise lines also use it. The same goes for Taino Bay in the Dominican Republic.
Purpose-built ports, rather than private islands or private destinations, are another way lines provide cruisers with a homogenized experience that extends from ship to shore.
Ports developed by cruise lines specifically for their own use include Icy Strait Point and a new port in Whittier, Alaska, that were built in partnership between Norwegian Cruise Line and the state's Hoonah Totem Corporation; Amber Cove in the Dominican Republic, Mahogany Bay in Roatan and Grand Turk in Turks and Caicos, all developed by Carnival; and Falmouth, Jamaica, which was originally built to accommodate Royal Caribbean’s Oasis Class vessels but is now used by several lines.
Like private islands or private areas on islands, these stops offer clean bathrooms, shore excursions, shopping, dining and other activities for a fee. What sets them apart is that they’re much smaller. They’re developed with a plethora of things to do and purchase right in the immediate terminal area, encouraging passengers to stick close to the ship as opposed to venturing out to a nearby beach or resort.
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
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Access to Amex Offers for additional savings (enrollment required)
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Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
More details
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
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Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
American Express® Gold Card
TPG editor's rating4
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Pros + cons
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
More details
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
American Express® Gold Card
TPG editor's rating4
TPG editor's rating
Pros + cons
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
More details
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
American Express® Gold Card
TPG editor's rating4
TPG editor's rating
Pros + cons
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
More details
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
4X
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4X
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
5X
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
3X
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
2X
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
1X
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Intro offer
As High As 100,000 points. Find Out Your Offer.
Annual fee
$325
Regular APR
See Pay Over Time APR
Recommended credit
Excellent to Good
4
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
4X
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4X
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
5X
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
3X
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
2X
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
1X
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Intro offer
As High As 100,000 points. Find Out Your Offer.
Annual fee
$325
Regular APR
See Pay Over Time APR
Recommended credit
Excellent to Good
4
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
4X
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4X
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
5X
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
3X
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
2X
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
1X
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Intro offer
As High As 100,000 points. Find Out Your Offer.
Annual fee
$325
Regular APR
See Pay Over Time APR
Recommended credit
Excellent to Good
4
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
4X
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4X
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
5X
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
3X
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
2X
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
1X
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
