Premier Rewards Gold Card Review – 3x points and $100 airline credit battle a $195 annual fee


Lucrative bonus categories. You get 3x points on airfare purchased directly from airlines, and 2x points at U.S. restaurants, supermarkets, and gas stations with no limits.

$100 airline credit. You get to choose one airline each year, and get $100 you can use toward bag fees, change fees, in-flight purchases, and other purchases you make directly from the airline. Unfortunately, airfare isn’t something you can apply the credit towards.

Points you can transfer. Amex Membership Rewards points can be transferred to over a dozen airline mile programs, including Delta SkyMiles, Air France Flying Blue, and Hawaiian Miles, letting you unlock lucrative awards.


Big annual fee. $195 isn’t easy to swallow unless you’re sure you can spend a good amount in the bonus earning categories.

Limited travel benefits. There’s no coverage for flight delays or trip cancellation, and no lounge access or status perks.

Overall Rating
3/5 Stars   
Key Features


  • Earn 25,000 Membership Rewards® Points after you use your new Card to make $2,000 in purchases within the first 3 months.
  • 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and at US supermarkets. 1X points on other purchases.
  • No Foreign Transaction Fees.
  • $100 Airline Fee Credit. Up to $100 per calendar year for baggage fees and more at one qualifying airline.
  • Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, when available with The Hotel Collection at
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • $0 Intro Annual Fee for the 1st year, then $195.
  • Terms Apply.
  • See Rates & Fees

Chase Sapphire Preferred® Card

Miles dont expireas long as card is open
Learn more

Partner Offer

50,000 bonus points

Intro Offer

$0 introductory annual fee the first year, then $95

Annual Fee


Foreign Transaction Fee Waived

Yes - transfer to United MileagePlus, Southwest Rapid Rewards, Marriott Rewards, and more

Points Can Transfer to Airline Miles ?

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