No, the Amex Gold Card Is Not the Same as the Authorized User Gold Card

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The refreshed American Express® Gold Card is to The Platinum Card® from American Expressauthorized user Gold Card as butter is to margarine. They may look similar on the outside, but they’re made up of entirely different ingredients.

This has led to some confusion among some TPG readers in the wake of Amex’s rebranding of the Premier Rewards Gold Card and its enhanced bonus categories, including 4x Membership Rewards points on dining and 4x points at US supermarkets on up to $25,000 per year in purchases (then 1 point).

In the comments section to the post announcing the new Gold Card, a number of readers have asked questions similar to this: “If you have an Amex Platinum and you add a Gold Card for free, will the Gold Card honor the new point structure and will there be an option to get the card in the rose gold? Points are more important obv.”

The answer is no — to both questions. Although they share a similar name and a familiar look, these are two entirely different products.

What Authorized Users Get

In order to get an AU Gold card, you must first own the Amex Platinum Card and pay the $550 annual fee (see rates & fees). You’ll then be able to order Gold cards for up to 99 authorized users for no additional fee (see rates & fees). Just like the Platinum Card, Gold card AUs earn:

  • 5x points for the master account on flights booked directly with airlines or with American Express Travel
  • 5x points on prepaid hotels booked on amextravel.com
  • 1x points on all other spending
  • Terms Apply.

Each additional card is eligible for one statement credit every four years toward the Global Entry/TSA PreCheck application fee (up to $100). Incidental air travel fees charged by both Platinum and Gold card members are eligible for statement credits (up to $200 annually). These cards also can receive Amex Offers.

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

If you’re interested in the perks not included on the authorized user cards, you may want to spring for Platinum AU cards, which cost $175 a year for up to three additional cards (see rates & fees). The annual fee for the fourth or more cards is $175 per card (see rates & fees).

Benefits of Applying for the New Gold Card

The good news is having a Gold authorized user card won’t prevent you from earning the welcome bonus on the new Gold Card.

As long as you’re not an existing Premier Rewards cardholder, you can earn 35,000 Membership Rewards points when you spend $2,000 on the Amex Gold in the first three months. Since TPG currently values Membership Rewards points at 2.0 cents each, the bonus is worth $500.

You’ll also earn the previously mentioned 4x points at on dining and at US supermarkets, 3x points on flights booked directly with airlines or on amextravel.com and 1 point per dollar on all other spending. As for perks, the Amex Gold Card earns up to $120 in annual credits toward dining at participating partners each calendar year.

That’s one more difference between these two cards: The Gold authorized user card is plastic.

For rates and fees of the Amex Platinum, click here.

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American Express® Gold Card

With some great bonus categories, the American Express Gold Card has a lot going for it. The card offers 4x points at restaurants worldwide, at US supermarkets (up to $25,000; then 1x), and 3x points on flights booked directly with airlines or through amextravel.com. It is currently offering a welcome bonus of 35,000 bonus points after you spend $2,000 in the first three months.

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More Things to Know
  • Earn 35,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new Card within the first 3 months.
  • Earn 4X Membership Rewards® points when you dine at restaurants worldwide. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
  • Choose to carry a balance with interest on eligible charges of $100 or more.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees
Intro APR on Purchases
N/A
Regular APR
See Rates & Fees
Annual Fee
$250
Balance Transfer Fee
See Terms
Recommended Credit
Excellent/Good
Terms and restrictions apply. See rates & fees.

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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