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Amex US Gold Card: A Stunning 75,000 MR Points!

Back in the summer of 2020, the American Express US Gold Card came out with an elevated welcome bonus of 60,000 US MR points through both the refer-a-friend and public channels, which has remained in place until now. 

Well, the US offers just keep on climbing. A new record-high offer of 75,000 US MR points has now surfaced, to celebrate the return of the Rose Gold version of the card. This offer is now available via the refer-a-friend channel until May 5, 2021.

If you haven’t applied for the Gold Card yet, there’s never been a better time to pull the trigger.

75,000 US MR Points Via Referral

The best-ever bonus on the Amex US Gold Card is 75,000 US MR points upon spending US$4,000 in the first six months. Compared to the more common minimum spending window of three months, the six-month window gives you a lot more leeway to meet the relatively high spending requirement. 

The offer for 75,000 US MR points is available through public channels or by applying with a referral link. If you have trouble pulling up the elevated welcome bonus, try visiting the link using incognito mode or private browsing.

Given that Amex US enforces a strict once-in-a-lifetime rule on welcome bonuses, it’s best to wait for historical high offers before applying for any product you haven’t held before, and this offer on the Amex US Gold Card fits that bill exactly.

As a reminder, some of the best uses of US MR points these days might include:

  • Transferring to Virgin Atlantic Flying Club to book ANA First Class for 120,000 miles round-trip
  • Transferring to ANA Mileage Club to book an ANA round-the-world award with eight stopovers and four open-jaws
  • Transferring to Emirates Skywards to book Emirates First Class to Europe for 135,000 miles round-trip
  • Transferring to Singapore Airlines KrisFlyer to book elusive Singapore Airlines business class, First Class, and Suites Class awards
  • Transferring to Cathay Pacific Asia Miles to book Cathay Pacific flights with much greater award space

As you can see, the welcome bonus of 75,000 US MR points would go a long way towards many types of aspirational awards.

If you’ve already gotten started with US credit cards, then you can simply go ahead and apply to add the Gold Card to your portfolio.

If not, you can quite easily apply for this card via the Nova Credit service, simply by checking the box that says “I don’t have a credit history in the US, but have had a credit card or loan in the UK, India, Mexico, Canada or Australia” on the application form, where it asks you for a Social Security Number.

The Nova Credit service will then link to your Canadian credit file to assess your creditworthiness, although you may still be required to give Amex US a call for identity verification purposes. Be sure to review the full guide to getting US credit cards for Canadians for more information.

$200 Home Furnishing Credit

As if an all-time high points bonus wasn’t enough, Amex has come out with a brand new home furnishing credit as part of the referral offer. New cardholders will automatically be rebated up to US$200 for purchases at eligible stores within three months of opening the card.

Many of the participating stores have a presence on both sides of the border. However, only purchases made on the US website and shipped to the US can earn the credit.

Eligible purchases are qualifying purchases in-store, online and via mobile app at The Home Depot, Lowe’s, The Container Store, Bed Bath & Beyond, Crate and Barrel, Crate and Kids, CB2, Anthropologie and Terrain. Only purchases made in the United States and in US dollars are eligible. Purchases of items shipped outside of the US are not eligible. Purchases at outlets and purchases of gift cards are not qualifying purchases.

Indeed, it’s not an easy credit for Canadians to use. Unlike a dining credit, it’s probably not on the forefront of a cross-border traveller’s mind, unless you’re purposefully going on a shopping trip.

Still, if you’re looking for a little home improvement on the cusp of springtime, you might do well by using a parcel forwarding service. As long as shipping and duties come out to less than US$200, ordering from the US website would beat buying from the store’s Canadian counterpart.

At worst, you could treat your family and friends in the US to some new patio furniture. After all, the credit is free, and it would otherwise go to waste.

Gold vs. Rose Gold

The Rose Gold version of this card was briefly available as a limited-time edition back in 2019, but has now been brought back permanently. You can choose between the Gold and Rose Gold version of the card before starting your application. 

As someone who’s held both versions in the past, I do have to say that the Rose Gold colour is unique, striking, and instantly stands out in the wallet. I’d pick the Rose Gold version if I were submitting a new application. 

Existing Gold Card holders can also request a replacement card in the Rose Gold colour – it’s as simple as sending a message over the Amex Live Chat to put in the request. 

Is the Amex US Gold Card a Long Term Keeper?

While I wouldn’t say it’s an entirely clear-cut decision, I do think there’s a strong case to be made for keeping the Amex US Gold Card for the long term, despite its US$250 annual fee.

The card offers a handful of annual credits totalling US$220, which, if maximized, will offset the vast majority of the annual fee. For Canadians, though, these credits may be tricky to use without spending significant time in the US:

  • There is a monthly US$10 Uber credit that can be used towards Uber or Uber Eats, but only for rides or orders in the US. 
  • In addition, there is a monthly US$10 credit that can be used towards any of GrubhubSeamless, Boxed, The Cheesecake Factory, Ruth’s Chris Steak House, and Shake Shack. Again, it seems that these can only be used in the US.

For most Canadians, I think it’ll be a matter of doing their best to maximize these credits on their trips to the US, and then weighing whatever’s left of the US$250 annual fee against how much you value the Amex US Gold Card’s most attractive benefit: its 4x earning rate on restaurants worldwide.

If you’re an avid foodie and eat out frequently both at home and along your travels, the Amex US Gold Card will be one of your closest companions. Even if you’ve just sat through the most amazing meal of your life at that three-Michelin-Star restaurant you’ve dreamed of visiting, it’s never easy to digest the final bill at the end of a meal like that, so the least you can do is earn 4x US MR points on those dollars you’re dropping.

In most cases, once you factor in the exchange rates in terms of both the dollars and MR points, I’d say that the 4x earning rate on the Amex US Gold Card outstrips both of the optimal choices we have in Canada for dining spend: the Platinum Card’s 3x MR points and the Cobalt Card’s 5x MR Select points. If food and travel are both a big part of your lifestyle, then the Gold Card can quite easily justify its annual fee year after year.

For Canadians, the other strong perk of the Amex US Gold Card is the 3x US MR points on airline purchases, which is a stronger earning rate on airfare than anything we have in Canada at the moment.

Compared to other US cards, the US Platinum Card still dominates on airfare spending with its 5x return; however, its US$550 annual fee means that it might not be the right fit for everyone, and in my view the Amex US Gold Card strikes a better balance between strong benefits and a reasonable annual fee.

Lastly, it’s worth mentioning that the card also offers 4x US MR points on up to US$25,000 of purchases at US supermarkets; however, it has been verified that this indeed does not extend to Canadian supermarkets. Alas, what a cool benefit that would be.

Will I Be Applying?

Personally, as someone who falls squarely within this card’s ideal demographic, I very much regret that I had cancelled the predecessor to the Gold Card (the Premier Rewards Gold) back in the day, making me ineligible for the spectacular 75,000-point welcome bonus.

I had also gotten my fiancée Jessy to sign up for the Gold Card last year, back when the offer was at 60,000 US MR points, and I thought it couldn’t possibly increase beyond that. Alas, that’s just how things play out sometimes.

However, Player 3 on my entourage has yet to get started with US credit cards yet, so I may well consider kickstarting their US game with this incredible 75,000-point offer.

Apply Now

Credit card offers in the US continue their meteoric rise. A year ago, the Amex US Gold Card carried a standard offer of 35,000 US MR points; now it’s at a staggering 75,000 US MR points in exchange for only a US$250 annual fee.

Although initially only available via public channels, I’m happy to report that you can now also apply for the current bonus of 75,000 US MR points by using a referral link.

You can send me an email if you’re interested in using my referral link; otherwise, you’d do well to use a link from someone in your personal network. Don’t forget to try using incognito mode to open the page if the 75,000 US MR points don’t show up immediately.

84 Comments
  1. Avatar
    Serhiy

    Hi Ricky!
    I’m just starting my US credit card history. What would be better card to get first, Platinum with 100k points or Gold with 75k points? Can I apply for both?

  2. Avatar
    Dale

    So I had the Premier Rewards card years ago just like you Ricky. I assume I’m not eligible for the bonus, however when I’m logged into my USA Amex account, the bonus of 75,000 is visible, and I can even go to apply until the last page of submit, and not get the pop-up that says you are ineligible for the bonus.

    So I might be able to get the bonus but again not sure. Some people have applied for card, gotten approved, then wait a week and chat with them to make sure they are eligible for bonus before spending. Although it you are gonna be charged $250 annual fee I guess you better be somewhat assured that you will qualify for bonus.

    1. Ricky
      Ricky

      Very interesting. I believe the pop-up only shows up after clicking the Submit button though. Did you put through an application? No harm in trying to click Submit and seeing if the pop-up appears. Hell, I might try and do that.

      1. Avatar
        Dale

        Just to clarify, I didn’t hit the “Agree & Submit” button. Perhaps I should… lol

        I just find it odd that they seem to be targeting me, what sentences like “A special offer for you”. I think it’s been at least 7 years since I’ve had this card so perhaps I’m eligible again for the bonus. I even have the offer of 75,000 points for the Platinum card, which I previously opened in 2014 and canceled around 2017-2018? So I really don’t open and close cards quickly so perhaps Amex is allowing me more access to bonuses because of that? But who knows…

  3. Avatar
    Max

    Hey Ricky !
    I debate myself wether to apply for Gold 75k offer or Gold Resy offer 60k MR +$250 food credit. What do you think ?

    1. Ricky
      Ricky

      Two questions to ask yourself:

      1. Do you envision spending US$1,250+ at restaurants worldwide during the first year?
      2. If so, would you be able to extract greater than 1.67cpp out of your 15K US MR points?

      If you answered no to the first question or yes to the second, go with the 75K offer. Personally I’d lean towards the 75K as well, since I definitely think you can beat a 1.67cpp redemption value with the extra 15K points.

      1. Avatar
        Max

        Thanks man! Valid point

  4. Avatar
    Gilles

    Applied on line 2 days ago and got it in about 2 min installed it in my iPhone Wallet and able to use it immediately until I get the card in about 10 days, totally painless, thank’s for the 75000 points

  5. Avatar
    Peter

    Just a DP on getting your first US AMEX card (as of Feb. 2021). My wife just applied for the Hilton Honors card. The telephone interview was fairly painless, however AMEX did want proof of a US address. They accepted our US bank account statement.

  6. Avatar
    Eric in NL

    I always think the exchange rate should be factored into the earning. Lets say this card is 4 points per 1.30 rather than 4x on dining. Or we could say that the gold card is 4x per dollar and the cobalt is 5x per 0.77.

  7. Avatar
    JM

    Out of curiosity, did you ask 24/7 parcel to give you their new address or their regular one? I am about to apply that is why I am asking. Thanks!

    1. Avatar
      Kristian Llewellyn

      I used their original one. It was immediately rejected by two different agents I spoke with on the phone. After it failed I explained the situation to 24/7. They did offer me the new one to use on the application, with the expectation that the address would be switched back to the original one after the application was approved. I have since heard that the new address does work, however at the time I didn’t want to risk another rejection so used a friend’s house address instead to be safe.

  8. Avatar
    Peter Hendershot

    I used your link to get my Gold Card. Let me know when you get your points!

  9. Avatar
    Sash

    Catching up on this thread just now. Thank you Peter for using the referral link

  10. Avatar
    Alex

    I think the answer is no, but is there a way to downgrade from this AMEX Gold card to another card and retain the credit history build up over the 11 months?

    I am debating whether to get this card for the high WB or stick to my original plan and get a low/no annual fee card to keep building my US credit history.

    1. Avatar
      Ishan

      Amex Green Card is the only downgrade path since it is a charge card. Bear in mind if you do, you’ll lose the chance to earn welcome bonus on Amex Green Card. If not, apply for Amex Everyday Card and cancel the Gold Card.

  11. Avatar
    Ishan

    Would buying gift cards from Whole Foods and using them in Canada trigger 4x? I wonder what’s the exchange rate when using USD gift cards in Canada?

  12. Avatar
    Osvald

    Thanks very much Ricky – and all – for this super helpful forum.

    Just applied for the 60K Gold Amex US card as a Canadian. My first Amex US card ever. Got an email asking to call them and verify something, presumably my identity and US address.

    Before calling them next week, I just added my US address to my US bank file. Now my US address is listed as my ‘Mailing Address’ and my Canada address as Residential Address.

    Will this do? I hope there is no need to list my US address as residential because I do not live in America (and would not dream of it).

    Grateful for any thoughts. Many thanks.

    1. Avatar
      Osvald

      The Amex phone interview was quite painless. They did not ask for any proof of employment or address. Interestingly, they said the Canadian SIN was not of much use to them either. They wanted every detail of my Canadian passport, then vanished for 5 mins for checks and came back with an approval. Easy-peasy.

  13. Avatar
    Ben L

    I have a Green Card and no ITIN. Applied using a referral (2x – both signed out, and then signed in). Checked ‘use Canadian credit history’ both times (otherwise needed to enter SIN), and was rejected both times. Called AMEX and they said no way to bypass, that I would likely need to submit a IRS form (4506T) which, based on research, is a transcript of tax returns. Since I don’t file US taxes this could be an issue…any ideas?

  14. Avatar
    Emily

    Thanks to Ricky’s generosity, I have now reached the maximum referral bonus for the year. Please spread the love and use other people’s referral links!

    1. Ricky
      Ricky

      Awesome Emily! Don’t spend it all in one place 😉

  15. Avatar
    Clinton

    I have a DP to share for those who are thinking of applying for their first and/or second US cards

    On 2020-08-28, I applied online through incognito mode for the US No-Fee Hilton as my first Amex US Card via Nova Credit. I had selected “I don’t have a credit history in the US, but have had it … in Canada”. I got the conditional approval and was asked to call. I called and went through a quick and simple 3 way call with BMO Harris US to validate my US Address. Once that’s done, I got the approval email.

    Subsequently on the same day, I decided to try and apply for the US Personal Gold card since SUB through referral is at an all time high. Applied and went through the same process as my first card. Again, was asked to call to verify address but this time the agent noticed that I’ve had done a nova earlier in the day and was told that I’m not eligible to do another Nova. Hung up immediately. Called again. Second agent processed it without any reference to the earlier Nova application. Approved for my second US card on the same day 🙂

    Both cards arrived on 2020-08-31.

    1. Avatar
      John

      Hi there, can you give some more info on how you opened the bank account with BMO Harris? Did you provide the US address as your permanent address or you provided a Canadian one to them? Thanks!!

      1. Avatar
        Clinton

        For sure.

        https://www.bmo.com/main/personal/bank-accounts/cross-border-banking

        I called the number on that webpage. I believe it was 1-888-214-6720. Just tell them that you want to open a bmo harris chequing account and that you have a bmo account in canada. They will walk you through the process. There will be documents you’ll need to sign and mail back. It was straightforward and easy. You will use your canadian address first when opening the us harris account.

        After you’ve opened the account, then you can call them to change to the US address. Once you’ve done that, you can start your nova transfer process.

  16. Avatar
    Max

    Those who are looking to start the US Amex game but are hesitant paying the $70 for 24/7 mailbox rental fee, consider looking into Planet Express. They have a free mailbox option and you only pay about $15 for every mail you get through them.

  17. Avatar
    PL

    Jeremy — how long have you had your other US card, and is it an Amex? Why did you go the incognito route rather than relying on your other US card in the application? I just applied (not incognito) and got the dreaded pop-up message that I’m not entitled to the WB. I’ve had the basic US Amex Preferred card for nearly 4 months, which I do use occasionally, so not sure why I got the dreaded pop-up. Wondering if I should try again, incognito, using your method.

    1. Avatar
      Jeremy

      My other US card is the old Bonvoy Amex from 1+ year ago. I used incognito to be able to get the 60k offer, but once on that page I logged in and it used my existing history.

      How occasionally have you been using your card? For me I’ve only been putting my Netflix sub on it every month, sometimes a few more things (most recently to use up the small shop credits).

      Not much you can do besides putting more regular spend on the card and hoping the pop-up goes away before the 60k offer is gone.

      1. Avatar
        PL

        Thanks for the reply — that’s useful info. I spent 95/650/750 over 3 statements, and then another 200 before I applied. Maybe it’s just not a long enough history. Will put some more spend on it and try again in a month if it’s still offered.

  18. Avatar
    Krall

    When applying through the Novacredit website that you posted Ricky, it lists the Amex Gold as 35,000MR when spending $4000 in 3 months. Can I assume it has not been updated and the real offer is 60,000MR when you’ve spent $4000 in 6 months?

    1. Ricky
      Ricky

      The Nova Credit site won’t give the 60K offer. Instead, open a referral link and tick the “I’m a cardholder in Canada” box to *use* the Nova Credit to apply.

      1. Avatar
        Mike

        Do you need to have a US address to apply for it though? And if so, how exactly do you get one?

        1. Ricky
          Ricky

          Yes. Either use a friend or family member’s address or set up a mail forwarding service.

    2. Avatar
      Ricke

      Nope you wont get the 60K points if you apply directly through novacredit

  19. Avatar
    Par

    Used your link and got approved. 🙂

  20. Avatar
    Josh

    Any idea when this offer might expire? I’m planning to hold off until I can get to some major purchases and travel.

  21. Avatar
    Jack

    I get this message after confirming the terms (page 2) of the application, regardless if I input my ITIN or not, check off the nova credit box or not. I have a no fee hilton card thats been around for 10+ months, did not spend after meeting the initial MSR, until this month I tried a few shop small transactions. Never late and have a FICO score of 700+

    “____, based on your history with credit card balance transfers, American Express welcome offers, introductory APR offers, or the number of Cards you have opened and closed, you are not eligible to receive the welcome offer.

    We have not yet performed a credit check. Would you still like to proceed?

    Note: Your application will be considered withdrawn if no action is taken on this page.”

    1. Avatar
      Jay*

      Your Hilton card has been dormant for an extended period of time, which is why you are getting the pop-up. Some regular spending should clear things up. Unfortunately you may have to wait a statement for AMEX’s backend to update your recent activity. Hopefully the current offer will still be around then.

  22. Avatar
    Jason

    To transfer the US MR points to a Canada, do I need a Canadian Amex Gold Card as well? Or do I have to cancel the US Gold Card and open a Canadian one to do the transfer?

    1. Avatar
      Jason

      So based on my calculations: I would open a US Gold and CAD Gold card because I want to eventually transfer to Aeroplan. I have to pay $250 US and $150 CAD to open both gold cards (~$480 CAD). I would then need to spend $4000 USD and $1500 CAD (~ $6,800 CAD) to get the welcome bonus which would eventually translate to 105,000 MR (1..33 USD/CAD). Now to spend that much I would most likely use Plastiq at around 2.75% so let’s say another $200 CAD. Also I would be spending that in Canada so the US Amex takes 2.5% extra (~$133 CAD). To fund USD, there will be around let’s say 1.5% cost (~ $65 CAD). So approximately $900 CAD of cost to get 105,000 Aeroplan points. Aeroplan is $0.03/mile which would cost $3,150. If they offer a 40% promotion, $1,890. So worst case scenario, you save around $1,000 and if you can manufacture $7K CAD in 6 months. But at this moment I paid most of my property tax and stuff so this is going to be a bit hard to do. Thoughts?

      1. Ricky
        Ricky

        The math is mostly correct except the US Gold Card has no FX fee (like most premium US cards), so that 2.5% extra wouldn’t be there. Also, once you factor in the points earned on minimum spending, you’re closer to 116,000 Aeroplan points, and perhaps more if you spend on the 4x/3x/2x categories.

        What you’ve described sounds like the classic trade-off between earning points the cheaper but more roundabout way (via signup bonuses, which does depend on your appetite/ability to spend) vs. purchasing them directly from the program. You’ll want to carefully think about your spending ability over the next three months and then only apply if you have a plan to meet the spending requirement. If you go ahead, I’d recommend starting with the US Gold Card, since there’s no telling how long this 60k offer will last, whereas the 30k offer on the Canadian Gold Card has been around for a long time.

        1. Avatar