american express

Review: American Express Gold (2024)

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The American Express Gold Card was refreshed in August 2024 with a few changes. It remains a mid-to-high tier card centered around restaurants and groceries. It may not be the best option for most people, but the card is flexible enough to be worth looking into, particularly for high spenders. The annual fee has been raised by $75 in exchange for up to $184 in new credits. Whether this is a great value depends on each person.

FEATURES AT A GLANCE

  • $325 annual fee (previously $250)
  • No foreign transaction fees
  • 4x points on dining (restaurants, takeout, and delivery including UberEats) (up to $50,000 spent annually, then 1x)
  • 4x points on groceries (up to $25,000 spent at U.S. grocery stores each year, then 1x)
  • 3x points on flights
  • 2x points on hotels booked through AmexTravel.com (with potential bonus perks for booking something from The Hotel Collection)
  • 1x points on everything else
  • Metal card (choose from 3 color options: Gold, Rose Gold, or limited-edition White Gold)

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Review: American Express Blue Cash Everyday

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In July 2022, AMEX updated its Blue Cash Everyday (BCE) credit card to become more competitive. Previously, the only point to the card was a downgrade option (to avoid multiple annual fees on the Blue Cash Preferred). Now that the BCE is potentially useful, let’s take a closer look.

FEATURES AT A GLANCE

  • No annual fee
  • 2.7% foreign transaction fee
  • 3% cash back on groceries (up to $6,000 spent per year)
  • 3% cash back on gas (up to $6,000 spent per year)
  • 3% cash back on online retail purchases (up to $6,000 spent per year)
  • 1% cash back on everything else

Previously, the card earned 3% back on groceries, 2% back on gas and retail, and 1% on everything else.

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The Top 5+ Cards For Cell Phone Insurance Protection

Credit Card Roundups /

A relatively new feature for credit cards is free cell phone insurance (or it’s called cell phone protection). Several cards currently have it, mostly World Elite Mastercards. Enrollment is easy: just pay your eligible monthly cell phone bill with an eligible credit card.

Most types of major damage, or theft, are covered by this insurance. Phones which become lost or “mysteriously disappear” are not covered. Other exceptions may apply, such as limits to how many phones are covered. Plan details vary, so you’ll have to read the terms and conditions of your card of choice. Some secured cards or student cards may also offer this benefit. Shop around to see which card might be best for you.

Cell phone manufacturers, retailers, and telecommunications providers may offer their own protection plans or warranties. However, they usually come with fees. Google for example offers “protection plans” ranging from $3 to $15 per month, with fees and deductibles ranging from $39 to $199 on top of that. (Plus, some devices aren’t eligible for their plan, and services aren’t available in every state.) If insurance/protection is included in your credit card benefits instead, it’s 100% free and coverage is automatic. You’ll save money while earning cash back from paying your phone bill.

The top 5 personal credit or charge cards, as of 2022, are currently:

 

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The Top 15 Credit Cards For 0% APR

Credit Card Roundups, Reference /

0% APR can have a variety of applications. Sometimes you need more than 30 days to pay for something, or need to increase the amount of cash on hand. This is usually the best way to solve that problem while avoiding interest. Credit cards normally have 15-20% APR, and it’s rarely worthwhile to pay interest on card purchases. One of the downsides here is that most of the below cards require a minimum credit score of 650+. People who really need 0% APR often have lower credit scores. If you fall into this category, check to see if you’re prequalified before applying. Most banks have this option. Search “[bank name] prequalification” and their website should pop right up.

Most of the below cards also have 0% APR on balance transfers, but balance transfers almost always have a fee associated with them. It’s better to put new purchases on a 0% APR card instead of trying to do a balance transfer. Note: This list is current as of December 2021 and is subject to change.

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Review: American Express Blue Cash Preferred

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The American Express Blue Cash Preferred (AMEX BCP) credit card is a mid-tier card for groceries, streaming, and getting around. It can be a decent card for everyday use, and/or a complement for premium cards like the American Express Platinum. The annual fee can effectively pay for itself over time, depending on your spending habits, although other options might be better.

FEATURES AT A GLANCE

  • $95 annual fee (usually waived the first year)
  • 2.7% foreign transaction fee
  • 6% cash back on groceries (up to $6,000 in annual spending, then 1% back)
  • 6% cash back on select streaming
  • 3% cash back on transit
  • 3% cash back on gas
  • 1% cash back on everything else
  • AMEX Offers

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Review: Navy Federal Credit Union More Rewards American Express

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The Navy Federal Credit Union (NFCU) More Rewards credit card is an uncomplicated card which earns 3% cash back in popular categories. It’s a solid low-maintenance card which most people will find good for everyday spending. it may not have perfect earn rates, but More Rewards has multiple earning categories and great benefits.

FEATURES AT A GLANCE

  • No annual fee
  • No foreign transaction fees
  • 3x points on groceries
  • 3x points on gas
  • 3x points on transit
  • 3x points on dining
  • 1x points on everything else

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Review: American Express Gold (2021-2022)

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Note: This review is from 2021, and significant details have changed. Check out our updated 2024 review!

The American Express Gold Charge Card is a mid-to-high tier card for food and travel. It earns a decent amount of points at restaurants and grocery stores, and has benefits to offset the high annual fee. It’s one of the more flexible cards from American Express, and it wouldn’t hurt for most people to take a look.

FEATURES AT A GLANCE

  • $250 annual fee
  • Zero foreign transaction fees
  • 4x points on dining (restaurants, takeout, delivery)
  • 4x points on groceries (up to $25,000 spent at U.S. grocery stores)
  • 3x points on flights
  • 1x points on everything else
  • Metal card
  • AMEX Offers

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Review: American Express Green

⭐⭐, Credit Card Reviews /

The American Express Green Charge Card is a mid-tier card for food and travel. Its annual fee is higher than its closest competitors, but the Green card could be worth considering for certain travelers. Most people are better off with no-fee cards which out-earn the Green.

FEATURES AT A GLANCE

  • $150 annual fee
  • No foreign transaction fees
  • 3x points on dining (restaurants, takeout, delivery)
  • 3x points on travel (including public transit, airfare, hotels, car rentals, and more)
  • 1x points on everything else
  • AMEX Offers

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Review: American Express Platinum

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The American Express Platinum Charge Card is a luxury travel card. It was updated in 2021 to add more credits, and they increased the annual fee, which remains out of reach for many people. Whether the card is worthwhile depends heavily on usage of the Platinum’s many credits.

FEATURES AT A GLANCE

  • $695 annual fee (previously $550 per year)
  • Zero foreign transaction fees
  • 5x points on flights ($500,000 maximum)
  • 5x points on hotels (booked through AMEX Travel)
  • 1x points on everything else
  • Metal card
  • AMEX Offers
  • Wide variety of credits

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