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American Express Gold Rewards Card Review

We review the American Express Gold Rewards Card, the credit card offering rewards points and an annual dining credits

American Express Gold Card Review
Updated 13 May 2022
​Who Is The American Express Gold Card for?
  • The Gold Card is unique - we think it will appeal to city-dwellers looking for a points-earning card that has a bonus of statement credit when you dine out. In short, American Express offers one $100 statement credit every six months when you spend at least $100 at an eligible restaurant.
  • The card is new to the market, and we're interested to see how popular it becomes. It's not for everyone, but it does offer some unique benefits.
  • If you're looking for an Airpoints Dollars-earning credit card, this earns at a rate of $75 to 1 Airpoints Dollar, which is standard among 'gold' cards issued by banks. The American Express Platinum Airpoints card offers a much better $59 to 1 Airpoints Dollar rate, a 27%+ higher earn rate.
  • Our view is simple - if you need to evaluate in detail whether you'll use the card's dining benefits, this card is probably not for you. There are plenty of alternatives - we suggest looking at our best credit cards guide for more options.

Our View: We believe the card won’t suit the following people:
  1. Anyone spending less than $10,000 a year on a credit card and/or
  2. Those who don’t eat out at restaurants and spend $100+ per time doing so.

Our guide outlines the benefits, pros and cons and suggests typical cardholders. We cover:
  • Annual Fee and Membership Rewards
  • The Gold Card - Benefits in Detail
  • Pros and Cons
  • Summary and Conclusion

To apply for an American Express Gold Card, you’ll need to be able to meet the following criteria:
  • Be aged 18 or over
  • Have no history of bad debt or payment default
  • Have a personal gross (pre-tax) annual income of $50,000 or more
  • Have the right to work in New Zealand, and
  • If self-employed, have been trading for at least 18 months (or 12 months if you hold an existing American Express issued Card)

​​​Advertising Disclaimer: MoneyHub may earn a referral bonus for anyone that’s approved through some of the below links. Our research and findings are independent of any bank, credit card issuer, or product manufacturer/service provider, and have not been endorsed by any of these entities. Please see our Advertising Policy for more details about how we make money.
Learn more, or apply now

MoneyHub Founder Christopher Walsh shares his views about the American Express Gold Card:

"No other mass-market credit card offers refunds for spending in specific restaurants, but the American Express Gold Card does just that. However, whether the card is right for you depends on how much you spend and whether you'd eat at the partner restaurants in the first place. 

I believe that if you spend at least $20,000 on a credit card and eat at the restaurants American Express partners with, the benefits are arguably valuable and unique. If you add in the option of dining at a First Table restaurant (see below), you can effectively get $200 of food orders for free per visit.

While the $200 annual card fee is more expensive than the arguably excellent-value American Express Airpoints Platinum card, not everyone wants to earn Airpoints Dollars. This Gold card lets cardholders redeem points they earn for statement credit at a fair rate.

If you're hesitating on whether this card is for you, it really comes down to whether or not you'll use the $200 dining credit. If you don't, there are plenty of other rewards credit cards".
American Express Platinum Charge Card Review
MoneyHub Founder
Christopher Walsh

American Express Gold Card Review NZ

Know This First - Annual Fee and Membership Rewards

1. The Gold Card's Welcome Bonus and Annual Fee

  • Annual fee: $200, billed annually
  • Bonus offer: $300 statement credit when you apply online for the card by 30 May 2022, are approved and spend $1,500 on your new Card within the first 3 months. New Card Members only. 
  • Earn Membership Rewards: The Gold Card earns at a rate of 2 points for every $1 spent. You can use Membership Reward points to pay for travel with American Express directly, or you can convert them to other airline and hotel programs. As a background, 150 Membership Rewards points = 1 Air New Zealand Airpoints Dollar while 2 Membership Rewards points = 1 Qantas Frequent Flyer Point.

2. Redeeming Membership Points

What point value will I earn? This is best explained with an example:
  • If you spend $25,000 (about $2,000 a month) on the card in one year, you will earn 50,000 Membership Reward points.
  • 50,000 points translate to around 333 Airpoints Dollars or 25,000 Qantas Frequent Flyer points (which arguably doesn't get you too much).
  • If you use the points with American Express, you'll earn around $375 of travel credit.
  • Otherwise, a $250 credit on your card costs 52,000 Membership Rewards points.
  • The benefits you receive will depend on your travel preferences and how you redeem the points.
Learn more, or apply now

American Express Gold Card Review

The Gold Card - Benefits in Detail

1. Welcome Bonus – $300 statement credit

New cardholders receive a $300 statement credit when spending $1,500 on the card in the first 3 months.

Our view: The signup bonus is generous and helps absorb more than the annual fee. Importantly, the bonus is a one-off benefit and won't be offered on your card renewal.

2. Two $100 dining credits every year

American Express has a number of dining partners throughout New Zealand. If you visit them and spend over $100 on one bill, you’ll get $100 credited to your statement. The dining credit resets every six months. The participating restaurants are located all over New Zealand, although Auckland, Wellington and Queenstown have the widest choices.

Our view: The offer is simple - spend $100+ at a qualifying restaurant (in one transaction) and get $100 back on your credit card statement, up to twice a year. We like this add-on benefit and interpret it as two free dinners.

3. Rewards generated for spending

Cardholders earn 2 Membership Reward Points per NZ$1 spent. This means that an annual card spend of around $25,000 will earn 50,000 Membership Reward Points. This can be converted to 333 Airpoints Dollars, $375 of travel credit (bookable via American Express Travel) or around $250 credit on your card costs (52,000 Membership Rewards points).

Our view: If you would usually spend around $25,000 a year on a credit card, cardholders will receive around $500 of value ($200 dining credit and $300+ Airpoints or travel-related credit), which offsets the $200 annual charge fee. However, if you're a light spender and don't plan to use the card often, this option may not be the most cost-efficient.

4. Chargebacks from fraudulent transactions

You’ll also be protected against fraudulent transactions made using your Card details with the American Express Fraud Protection Guarantee. In our chargeback research, we found that American Express offered the best consumer protection. The benefits include having a helpline, a provider that has a transparent process for its customers and a track record of approving chargebacks.

Our view: We have observed difficulties with securing chargebacks using Mastercard and Visa-issued cards as issuing banks are involved and complicate the process. American Express is much easier to deal with in this regard as they are an all-in-one card issuer and card provider.
Learn more, or apply now

American Express Gold Card Review

Pros and Cons

Pros:
  1. If you spend at least $18,000 a year (or $1,250 a month), the card will pay for itself – You'll earn 2 Membership Reward points per $1 spent, which gives you 30,000 points and converts to 200 Airpoints Dollars. If you want a $200 statement credit, you'll need to spend $22,000 a year (or around $1,840 a month). You can then redeem the dining credits and be 'in profit'.
  2. Two $100 dining vouchers every year (and a way to save further) - If you spend at least $100 in one transaction at a participating restaurant, you'll receive $100 back on your card. If you want to save further, many of the restaurants listed also participate in First Table which offers 50% off food at set times for a $5 to $10 fee per booking. This means you could order $200+ of food, have the 50% discount applied by the restaurant when you pay the bill, pay $100 and then redeem the $100 statement credit.  
  3. Customer Service – With American Express, you have a direct line, but if you use Visa and Mastercard, you’ll have to deal with your bank. Most New Zealand banks use a multi-option call centre for credit card help with standard office hours. Any troublesome issues may be ‘referred’ to Visa or Mastercard for ‘review’ and 'decision'. American Express operates specific 0800 hotlines which are open 24/7 and makes decisions directly.
  4. Favourable Customer Dispute Terms – if you experience fraud or wish to question a transaction, American Express will actively fight in your corner. Our guide to chargebacks has more details.
  5. Cards are increasingly accepted at major New Zealand retailers – You can use your card at Countdown, New World, PAK'nSAVE and other supermarkets. Other retailers include most petrol stations, rental car, hotel and airline websites.
 
Cons:
  • A number of non-chain retailers don’t accept American Express as a payment method so you may need a backup credit card.
  • The card is metal - while American Express markets this as a selling point, we would argue it's a heavier addition to your wallet or purse.
  • A 2.50% Currency Conversion Commission applies to all American Express NZ credit cards - This means you’ll pay more when making foreign purchases than other credit cards. Travel reward credit cards usually charge 1.85% to 2.50%. However, if the vast majority of your spending is in NZD, then there is little difference between other credit cards.
Learn more, or apply now

Amex Gold Card Pros and Cons and Conclusion

Summary and Conclusion

  • There’s a lot to like about the Gold Card. It offers $200 of value by way of statement credit from dining, which offsets the annual fee. You can then convert Membership Rewards Points to flights, Airpoints Dollars or statement credit, among other rewards. We believe the rewards/benefit rate is around 1% to 1.50% in addition to the dining credits.
  • If you spend over $22,000 a year on the card, the rewards will pay for the card's annual fee.
  • However, be aware that while American Express is more and more accepted throughout New Zealand, it's not universal, so you may need a backup credit card.

Which Cards Compete With the Gold Card?

If you're looking for a points-generating card with dining credits, only the American Express Platinum Charge card competes, but this has a $1,000+ annual fee.

Our View: The American Express Gold Card is, in our opinion, useful for anyone who will use the dining credits and make the most of the Membership Rewards points. The dining credits are worth $200 and offset the annual fee (if redeemed). If you spend at least $10,000 a year on a credit card, it's likely the card will have some benefits. If you spend much less, this card is unlikely to offer value for money.
Learn more, or apply now


Related Guides
  • American Express Airpoints Platinum Review
  • American Express Credit Cards Review
  • American Express Platinum Charge Card Review
  • Air New Zealand Credit Cards
  • Rewards and Cashback Credit Cards
  • American Express Membership Rewards Program Review
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