[ American Express Premier Rewards Gold ] Great Point-Earning Card for Daily Use

PRG

 

  • Credit Card Type: Bank rewards card (This is Charge Card)
  • Current Offer: Earn 30,000 Membership Rewards (MR) Points after spending $2,000 in purchases within the first 3 months.
  • Special Offer: $100 annual airline fee credit
  • Bonus Category: 3x points per dollar for flights booked directly with airlines. 2x points per dollar at US restaurants, US gas stations, and US supermarkets. 1x point per dollar for all other purchases.
  • Annual Fee: $195 (Waived First Year)
  • Additional Cards Fee: Free for up to 5 additional cards. The annual fee for 6 or more additional cards is $35 for each card.

Tips:

1. $100 airline fee credit for incidental charges, such as checked bags or in-flight meal per calendar year.

2. Since $100 airline fee credit resets by calendar year, not the date you opened the card (card-member year), you can actually get airline fee credit twice during the first card-member year.

3. With this card, you have access to AMEX Offers, which offers additional cash/points rebate for spending.

4. Please check this article (click me) for the instruction of using AMEX MR points.

5. Please check this article (click me) for the instruction of transferring AMEX MR points to airline / hotel programs.

Restrictions when you apply:

1. You can only apply for one AMEX credit card per day, but the rule does not apply to AMEX charge cards. If you apply one credit card and one charge card on the same day, AMEX are going to combine hard-pull (for credit report). Therefore we suggest the reader apply for another AMEX charge card at the same time when applying AMEX credit card, so the applicant will only be hard-pulled once.

2. Please check the status from this link if you do not get instant approval. We strongly suggest you to call AMEX Reconsider Line to ask them about reconsidering the application if you do not get instant approval or be denied. Generally, you will have a chance to be approved after providing the information they need when calling them. The phone number of AMEX Reconsideration Line is 1-800-567-1083.

Notes:

This card comes with appealing bonus spending categories, such as 3x on the airline tickets, 2x at US restaurants, US gas stations, and US supermarkets. Therefore, with strong points earning rate from important spending categories in daily use, this card should be one of the must-have cards for point-lovers. Membership Rewards system has many transfer partners, such as Air Canada (Aeroplan) and ANA, two of the best programs for award ticket redemption of US-Asia route. Since this card has no foreign transaction fees and free travel insurance, it is good for international traveling. This card is a Charge Card that requires payment in full every month.

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