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.
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 Incognito Mode
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 doesn’t appear to be available through referral links at the moment. Instead, it’s only available through public channels, and your best bet of seeing it is to browse to the Gold Card’s landing page via 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.
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 Grubhub, Seamless, 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.
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.
Unlike last summer’s offer of 60,000 US MR points, the current bonus of 75,000 US MR points doesn’t appear to be available through refer-a-friend channels.
You’ll want to navigate to the Gold Card’s landing page on the American Express US website, and try using incognito mode to open the page if the 75,000 US MR points don’t show up immediately.