American Express® Gold Card

Verdict – The American Express® Gold Card is the right card if you want service or you value exclusive access to events. Other rewards cards will give you more money back in the long run, but don’t come with some of the perks of the American Express® Gold Card, like Purchase Protection or the flexibility of Membership Rewards.

 The American Express® Gold Card is a charge card with no interest and no spending limit because you pay your full balance each month. There’s no limit to the points you can earn and your points won’t expire.

The real benefits are the side perks that American Express offers including things like roadside assistance (they’ll cover $50 in towing costs per call), rental car insurance, and baggage insurance up to $1250 for a carry-on bag and $500 for checked baggage. They also have exclusive offers, Gold Card Events, or priority access to tickets. Another useful consumer perk is Purchase Protection, which guarantees your purchase from accidental damage or theft for up to 90 days, as well as extended warranty and return protection up to $300 per item.