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How United's Working to Right the Ship: An Interview With UA Leaders
Chris Sloan is a television producer and marketer, aviation journalist and contributing writer for The Points Guy. He also has a long-running airline history website TheAirchive.Net.
September 13, 2018 • 19 min read
The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don't cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.
Editorial note: Shortly after this interview, United increased checked-bag and preferred-seating fees.
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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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Quick summary
United Airlines is showing operational and financial improvement after years of negative publicity and challenges following its merger with Continental.
The airline is investing in fleet upgrades, premium cabins and lounges, and improved customer service, while integrating legacy cabin crews for greater efficiency.
United is expanding its network, especially in Israel and select domestic markets, and is introducing a new premium-economy cabin across intercontinental routes.
Despite progress, United acknowledges ongoing challenges, including infrastructure needs, competition, and adapting to economic and geopolitical shifts.
What to consider
Integration of cabin crews is expected to enhance efficiency and reliability across hubs starting in October.
Premium-economy rollout is tied to the broader upgrade of premium cabins, with full implementation expected by the end of 2020.
United's growth strategy focuses on its seven main hubs, with limited expansion in the Southeast and careful evaluation of new aircraft types.
What you'll miss from the article
Detailed insights from United's leadership on operational strategy, product development, and future network plans.
Generated by AI with support from our editorial team.
Despite its vast network, United has long been seen as the snakebitten, dysfunctional laggard of US network carriers. The world's third-biggest airline by revenue has done itself no favors, either, becoming a lightning rod for controversy and critical media coverage. But more than eight years after its troubled merger with Continental and a year after the widespread opprobrium of the Dr. Dao incident, United's narrative seems to be changing for the better.
The numbers say United has improved its operations and is doing better financially. United shares are up 27% for the year, performing far better than the average for airlines on Wall Street — the ARCA Airline Index is down 10% over the same period.
Plus, United's adding to its fleet, incorporating a long-awaited premium-economy cabin and finally seeing its Polaris cabins and lounges live up to expectations. Those aging and inefficient hubs? United's been shining a bright light on them. The gradual marriage of legacy UA and Continental cabin crews? It's about to enter the honeymoon phase. And customer service, naturally, has taken front-and-center priority for the airline.
But the airline readily admits it has many self-inflicted wounds left to heal. And it still has to face the economic and geopolitical challenges the entire industry is.
TPG contributor Chris Sloan sat down with United's chief operations officer, Greg Hart, and chief commercial officer, Andrew Nocella (formerly of American Airlines) for an interview in mid-August. Their answers have been edited for clarity and brevity.
TPG: Do you feel the negative public narrative about United is starting to swing in your favor?
Hart: The old moniker "perception lags reality" is definitely true in our case. We've actually been running a really good airline, better than we ever have, for a couple of years now, and haven't been getting a lot of credit for that. So I think that my sense is that things have definitely turned for the better. I've been in this business for 25 years and I've never been more excited to be a leader at an airline than I am right now. We've got an incredible amount of opportunity in front of us, a really engaged, excited workforce, and a lot of runway here at United Airlines.
TPG: The legacy Continental and United cabin crews will finally be integrated in October. How will that improve how you operate?
Hart: Right now, we have essentially two separate inflight bases at every hub we operate. Obviously, that's inefficient and also drives some reliability issues for us. Operationally, it's going to be a big benefit to us. More importantly, it's going to provide the opportunity for us to truly be one airline.
United Airlines Chief Operations Officer Gregory Hart (left) and Andrew Nocella, Chief Commercial Officer (Photo by Chris Sloan)
TPG: As fuel expenses have gone up, United said it's recaptured approximately 75% of the cost through higher yield and commercial and operational initiatives. What are examples of those initiatives?
Nocella: Our systems are getting better, [like] our new revenue-management system and how we're approaching segmentation for our customers. The investment in the product has been amazing. The opening of the new Polaris clubs —they're clearly the best clubs in the country. When you combine all those things together, you get an amazing result, and I think that's exactly what we're seeing.
"Quite frankly, we're a little bit behind some of our competitors on this front."
What's most exciting about that is we've just started, from a product perspective and segmentation perspective. Quite frankly, we're a little bit behind some of our competitors on this front. As we catch up, I think that's going to be even more and more meaningful to our results.
[]
United Airlines cancellations and competitive data dashboard at the airline's control center in Chicago. (Photo by Chris Sloan.)
TPG: Is there a target you’d like to see in oil prices?
Nocella: We have a natural hedge against the price of oil that our competitors don't have because of having a hub in [oil-industry center] Houston. I still think we'd probably prefer lower oil prices at the end of the day, but that being said, as oil prices go up, our oil revenues go up, and we've been watching that carefully. Our service to Midland/Odessa [another oil-industry center in Texas] is off the charts. We have a lot more flights than we used to have to Midland. And it’s not the only place; there are quite a few other Gulf Coast markets that are like that. It's a structural advantage that we have versus some of our competitors. (But) we'd always prefer the lower price of oil. Houston is a gigantic hub in our system. We have seven hubs, so Houston is just one of seven.
TPG:United is projected to grow its available seat miles (ASM) capacity by 5% through 2020, much to the chagrin of investors. United president Scott Kirby has said the reason for this is to catch up to the competition and rebuild the neglected and shrunken domestic network. Can explain the case for building out capacity that far exceeds the economic growth that's expected?
Nocella: Our target is earnings per share. We put out targets to Wall Street that are very important to us, and we're very focused on them. So it's not a capacity number that we're trying to shoot for, it is an earnings number. We think the capacity number allows us to achieve the earnings number, and so far I think we've proven that to be the case. We're well on our way, and we will be very nimble.
"It's not a capacity number that we're trying to shoot for, it is an earnings number."
Gerry Laderman (the chief financial officer) works on the fleet plan for us every day to make sure we have optionality in everything we do. We own a large chunk of our fleet. We can choose to sell aircraft if we wanted and shrink to make sure that we're flexible and nimble. Right now, we're in the mode of, "the plan is working exactly as we thought it would," so we're excited to see what 2019 brings.
TPG: So that's what's driving your used-aircraft purchases? That you can park them if you need to?
Nocella: That, and the economics of some of these used aircraft are just incredibly compelling. We'll look to make sure we do the best thing. It puts a bit of a burden on Greg's team in terms of inducting used aircraft.
Hart: We've actually had really good experience with it. So good we went out and got some wide-body used aircraft, which is something you don't see very often. We've got the best tech-ops team in the business, [and they've] proven time and time again that they've got capabilities to do pretty much everything we ask.
TPG: San Francisco to Tel Aviv is less than a year old, and now you’ve announced plans to connect Dulles with Tel Aviv for the first time. So why the focus on Israel? Are you contemplating any other destinations in the Middle East?
Nocella: We're always looking for opportunities and we're growing fast in Israel right now. We're optimistic that the marketplace will absorb that capacity. We've done well out of Newark, so we wanted to try some other markets. Those markets are still developmental at this point, but we're excited to connect Washington, DC, to Tel Aviv next year.
TPG: US-China trade relations are not exactly the best they’ve been. Have you seen any ill effect?
Nocella: We hope all these issues get resolved as quickly as possible. Our network is large and diversified, and there's always going to be parts of the world that are stronger and other parts of the world that are weaker. What I can tell you right now is that China demand is strong. In fact, China is coming off a couple of years of negative revenues, and as we've reported on the earnings call, we now see positive revenues in China. We're really optimistic about the future. The headlines, at least at this point, have not resulted in a change in traffic.
TPG: How is United coping with the slowing GDP growth in China?
Nocella: We eliminated service to two smaller Chinese cities, which we were disappointed to have to do, [since] we'd rather spend some more time to develop those cities. But in that environment, we thought that was a prudent move, and our services to Beijing, Shanghai and Chengdu are successful.
TPG: Scott Kirby said he regrets that United discontinued service to New York-JFK. Does United have any figures about how much high-yield business travel it lost when not all of it transferred to Newark? Will JFK ever return to the network?
Nocella: It's something we think about. When we talk to our customers, they tell us they miss that optionality. There are no immediate plans to return to JFK. We don't have the appropriate slot portfolio and gate position to do it in a competitive way, but those conditions could change, and we will constantly re-evaluate them.
"With 20/20 hindsight, I think we'd prefer to still be in JFK."
For now, our service out of Newark is doing well. It serves a vast majority of the marketplace very effectively. Newark is an airport not for just New Jersey but for all of New York City and New York. We think we're in a good position. With 20/20 hindsight, I think we'd prefer to still be in JFK. But we are where we are, and we're pushing the company forward in the best way we can given the assets we have.
TPG: At LAX, United is in third place in market share for daily departures at 14% compared to American and Delta, respectively (which are at 19% and 17%). United has launched opportunistic flights to Melbourne but pulled out of Singapore from LA. What does LAX mean to United while Delta and American duke it out for No. 1?
Nocella: LA is one of our seven hubs. It's very important. Again, our international network in particular is really unique, and it's built upon a foundation of San Francisco and LA, New York and Washington, DC, on the coasts. We would like to see more in LA.
As we looked at Singapore, we felt like the second flight out of San Francisco at this particular moment in time was the better choice for that asset. That's not to say we won't ever fly LA to Singapore again. Quite frankly, we fly many other international routes out of LA, and we do well out of Los Angeles in total. We're here managing our results day to day and felt like we needed to make a change. Today, in terms of our footprint in LA, it is slightly smaller than one competitor, and a little bit smaller than the other competitor. It's a race that we're in and not going to be giving up on.
We basically fully utilize our gate facilities at the airport. It's not that we don't want to grow. It's that the facility footprint we have today ... is full. So our footprint is just slightly smaller than some of our competitors, and therefore our operation is slightly smaller. That's the output of all kinds of things that have happened over decades.
"I believe in Los Angeles."
We are working with LAWA [Los Angeles World Airports] in terms of where we'd like to be in the future. Los Angeles is going to continue to be a key part of our network. I believe in Los Angeles. I think I've proven that time and time again. We've grown the operation considerably in Los Angeles over the last 12 months.
United's LAX Hub at Terminal 7 and Terminal 8 (Photo by The Points Guy)
TPG: United lacks a large presence or hub in the Southeast. This weakness in Florida and the Caribbean translates to a traditionally weak first quarter. But you've re-instituted seasonal flights from Dulles to Miami. Is there more to come in the Southeast?
Nocella: Our opportunities right now are greatest in the seven hubs we have. And so we're focused on building those out. It's not that we don't believe there are other opportunities in the country. We believe our greatest opportunity, the best for our shareholders or employees and every stakeholder at United Airlines, is in one of our seven hubs right now. So most of our, if not all of our, capacity growth has gone into the seven hubs, and it simply needs to be that way to drive the results that we want to drive as a company.
United's first Boeing 777-300ER and first Polaris-equipped aircraft entered service in February 2017. (Photo by Chris Sloan.)
TPG: Word on the street is that United is looking at aircraft with 100 to 150 seats, like the Embraer E2 or Airbus A220. Is this true, and if so, what does it mean?
Hart: The nice thing is we've got a big installed base on the narrow-body side of Airbus and Boeing aircraft. The used marketplace is something that we can participate in across the spectrum. We obviously don't have a 100-seat airplane today in our network. I know the planning guys see a lot of value there, so it's something we look at. Having said that, we are very mindful of complexity.
"We don't have a 100-seat airplane. I know the planning guys see a lot of value there."
Bringing a new fleet type on a can drive upwards of $75 to $100 million dollars a year in operating expense, which means that fleet has to be that much better than whatever it would replace or whatever the alternative would be. We're very focused on making sure that we set our employees up for success, part of which is simplifying what we do. Having said that, obviously we are mindful of the value that the network can drive as well.
TPG: United was the launch customer for the 727, 737-200, 767 and 777, so it historically has played a significant role in the development of Boeing aircraft. What is United’s interest in the Boeing NMA versus some sort of Airbus A321 LR? What would the ideal configuration look like for United?
Nocella: We're in constant contact with Boeing. Boeing is a great partner for United. There's no other way to say it. We are constantly providing input as to what we'd like that aircraft to look like, because it needs to fit our needs for it to operate at United Airlines some day. We're still a long way away from understanding exactly what the airplane is to a T and when it will actually enter service. It's a bit foggy at this point from our perspective.
We're excited about the prospect of this aircraft being out there. As you go forward in time and you look at how aircraft sizes have changed and what we fly domestically, then you look at the hubs that United Airline operates from, particularly in New York and San Francisco, we definitely can see the potential to have a larger capacity, narrow-bodied economic jet flying out of many of our hubs because of the constraints that we have. It just has to meet the economic criteria.
The interesting thing about the NMA is in a domestic configuration. It could have 250-plus seats on board. With narrow-body economics, that would be something we'd want to evaluate very carefully. That's the message that we've given to Boeing.
TPG: Will there be a domestic, transcontinental Polaris product?
Nocella: We do provide a very enhanced level of service on many of our New York transcon flights today. The product-development folks are thinking about what that needs to be over the next 10 years, not just over the next 12 months. We don't have much more to say on that today, but people are always thinking about how we can deliver a more exciting and stimulating product and how we can innovate.
TPG: United is the third US carrier to introduce premium economy. What details of Premium Plus, such as initial routes, aircraft, configuration and whether it will ever be added to the domestic network, can you share?
Nocella: We have three aircraft flying. Our first 787-10 will come with that product later this year, November or somewhere around that. So it's happening. The rollout is tied to the Polaris rollout. So by the end of 2020, you'll have it on the fleet. We haven't said exactly what aircraft it will be on, but it'll be on almost everything that flies intercontinental.
"It'll be on almost everything that flies intercontinental."
We think it's going to be a home run. You'll listen to what everybody's saying about their own experience with it. We will have some announcements probably in the next 60 days on how it integrates into the frequent-flyer program, which many of our flyers are most interested to hear. So the work on that is coming, but for more details on the product and the launch planner, we'll wait until we get very close to a first sale, which is late this year, early next year.
A rendition of United's new Premium Plus Cabin, which has already had a hard product soft launch. (Image courtesy United Airlines)
TPG: Even though people seem to like the product, critics have dubbed Polaris “Fauxlaris” because of the slow rollout of both the lounge and seat. If United had it do all over again, what would you have done differently?
Hart: In retrospect, could we have handled perhaps parts of it differently — perhaps not such a focus on the seats? Sure. Which I think is the piece that didn't show. I can tell you we've learned quickly, we are investing a ton of time, a ton of resources and making sure we're converting as many airplanes as quickly as we can.
As well, we've learned from our experiences in the lounge. For example, what we learned very quickly was people loved the product so much they didn't leave and got there early, so we needed a bigger lounge. We've changed the product materially to better reflect the needs and desires of our customers. I think that, again, shows our willingness to adapt and be a better airline for it.
"By the end of 2022, we'll be done."
Nocella: We are in a great spot with Polaris. We'd love for it to be done, but we are a large airline with a large number of wide-body jets. The fact that it's taken multiple years at United is not atypical for a program of this size. That's hard to communicate sometimes, and with 20/20 hindsight, I'm sure we would probably do things differently.
Going forward, we're on target with one airplane converted every 10 days on average. By the end of 2022, we'll be done. The seating manufacturers are on board with that plan, which is one of the critical things.
United is converting a wide-body aircraft to the Zodiac-equipped Polaris cabin approximately every 10 days. (Photo by The Points Guy.)
TPG: United is shifting much connecting traffic to Dulles from Newark, but the Dulles midfield terminal is outdated and cramped. Why hasn’t there been broad support to replace the nearly 35-year-old “temporary” midfield terminal at IAD?
Hart: Stay tuned. We're going to be making quite a bit of investment in Dulles in the next year or two, and it goes beyond just what the customer sees as they pass through our terminal. There are a lot of infrastructure investments we need to make, but it's a great hub for us, does very well. As we move forward, we're going to be making some investments that will really impact the customer experience as well. It will be significant. It will be noticeable to our customers.
United's outdated midfield terminal at Washington Dulles, opened in 1985, as a temporary facility. (Photo by Chris Sloan)
Chris Sloan is an aviation journalist based in South Florida, where he is managing editor of Airways Magazine. At his day job, he is also owner of one of the nation’s top television-production, design and marketing agencies, 2C Media. Follow him at @airchive on Twitter.
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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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American Express® Gold Card
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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.
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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.
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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 rating4
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.
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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
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 rating4
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
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
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.
