Does AmEx Gold Have Lounge Access?

You won't get lounge access with the Gold card, but you will get some other strong benefits.
Carissa Rawson
By Carissa Rawson 
Updated
Edited by Giselle M. Cancio

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Who wants to hang out in an airport terminal? Whether you fly once a year or every other week, the crowds, overpriced food and general hurriedness of the airport are easy to dislike.

In response, airlines and card issuers offer airport lounge access, helping ease the path for loyal customers. But not all flights — and not all credit cards — offer airport lounge access.

AmEx Gold lounge access

In the U.S., the American Express® Gold Card and the American Express® Business Gold Card don't offer lounge access.

However, American Express® Gold Card holders in the United Kingdom get two complimentary lounge visits per year at over 1,200 airport lounges globally. And Canadian-based American Express® Gold Card receive complimentary membership in Priority Pass. Enrollment required.

The good news is, both gold cards provide a variety of other perks.

How the cards compare
American Express® Gold Card
American Express® Gold Card
Apply now

on American Express' website

Rates & Fees
American Express® Business Gold Card
American Express® Business Gold Card
Apply now

on American Express' website

Rates & Fees
Annual fee

$250.

$375.

Welcome offer

Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership. Terms Apply.

Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership. Terms Apply.

Earn Rates

• Earn 4 points per dollar spent on restaurants.

• Earn 4 points per dollar spent at U.S. supermarkets (on up to $25,000 in purchases a year).

• 3 points per dollar spent for flights booked directly with airlines or with American Express Travel.

• 1 point per dollar spent on other eligible purchases.

Terms apply.

• Earn 4 points per dollar in the two eligible categories where your business spends the most each billing cycle. The 4x rewards apply to the first $150,000 in combined spending per year.

• Earn 3 points per dollar on flights and prepaid hotels booked on amextravel.com.

• Other spending earns 1 point per dollar.

Terms apply.

Benefits

• $120 annual dining credit (available in monthly credits on select purchases.) Enrollment required.

• Up to $120 a year in Uber Cash ($10 per month) for Eats orders and rides in the U.S. Your card must be added to the Uber app.

• Metal card.

Terms apply.

• Earn up to $20 in statement credits monthly for eligible U.S. purchases at FedEx, Grubhub and Office Supply Stores. Enrollment required.

• Get up to $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal).

Terms apply.

The American Express® Gold Card still features strong benefits

While the American Express® Gold Card can’t grant you lounge entry, it does provide a lot of material benefits in exchange for its $250 annual fee. This includes monthly statement credits, strong earnings on food purchases and complimentary travel insurance. Terms apply.

Statement credits

The AmEx Gold card has you covered if you're big into food. This is thanks to the pair of monthly statement credits it offers:

  • $10 monthly at Uber or UberEats.

  • $10 monthly at Grubhub, Cheesecake Factory, Seamless, select Shake Shack locations, Goldbelly, Milk Bar and Wine.com.

Bonus points

In addition to monthly credits, cardholders can expect robust earnings for food-related purchases:

  • Earn 4x points at restaurants worldwide, plus takeout and delivery within the U.S.

  • Earn 4x points at U.S. supermarkets on the first $25,000 in spend.

  • Earn 3x points on flights booked directly with the airline or via amextravel.com.

  • Earn 1x point everywhere else.

Trip insurance

American Express has some fairly generous travel insurance on its credit cards, and the American Express® Gold Card is no exception. The card offers several different types of insurance to protect you when you're traveling:

  • Baggage insurance: Up to $1,250 for carry-on luggage and $500 for checked bags.

  • Rental car insurance: Coverage is secondary to your personal insurance and does not include liability.

  • Trip delay insurance: Starting after a 12-hour delay, up to $300 per trip.

Although the card is missing features such as trip cancellation or trip interruption insurance, these are still available on higher-end cards such as The Platinum Card® from American Express. Terms apply.

Hotel Collection access

The American Express® Gold Card gives you access to the Hotel Collection by American Express, a curated list of both popular brand and boutique hotels.

When you book a stay of two or more nights through American Express travel, you'll receive a room upgrade when available, and a $100 experience credit to spend on qualifying dining, spa, and resort activities.

Earn up to 120,000 bonus points with our favorite American Express cards
Check out our nerdy picks for the best American Express credit cards and find the right card for you.

Other AmEx cards with lounge access

Just because the American Express® Gold Card and American Express® Business Gold Card don't come with lounge access doesn’t mean you’re out of luck. If you're looking to stick with the American Express ecosystem, there are a few different cards from which to choose that'll provide access, including:

The Platinum Card® from American Express
The Platinum Card® from American Express
NerdWallet Rating
Apply now

on American Express' website

Rates & Fees
Delta SkyMiles® Reserve American Express Card
Delta SkyMiles® Reserve American Express Card
NerdWallet Rating
Apply now

on American Express' website

Rates & Fees
The Business Platinum Card® from American Express
The Business Platinum Card® from American Express
NerdWallet Rating
Apply now

on American Express' website

Rates & Fees
Delta SkyMiles® Reserve Business American Express Card
Delta SkyMiles® Reserve Business American Express Card
NerdWallet Rating
Apply now

on American Express' website

Rates & Fees
Annual fee
$695
$650
$695
$650
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🤓Nerdy Tip

Other card issuers, including Chase and Capital One, also offer credit cards that provide lounge access. Options include the Chase Sapphire Reserve® and the Capital One Venture X Rewards Credit Card.

Terms apply.

Gold card airport lounge access recapped

We don't blame you for wanting to slip into an airport lounge. Although the American Express® Gold Card and the American Express® Business Gold Card don't come with the ability to enter lounges, it does provide a variety of other benefits. While most of these are food-focused, the card does offer some decent travel insurance, including trip delay insurance. Terms apply.

Otherwise, consider the handful of other AmEx cards that provide lounge access.


To view rates and fees of The Business Platinum Card® from American Express, see this page.
To view rates and fees of The Platinum Card® from American Express, see this page.
To view rates and fees of the Delta SkyMiles® Reserve Business American Express Card, see this page.
To view rates and fees of the Delta SkyMiles® Reserve American Express Card, see this page.
To view rates and fees of the American Express® Business Gold Card, see this page.
To view rates and fees of the American Express® Gold Card, see this page.

Insurance Benefit: Trip Delay Insurance

  • Up to $300 per Covered Trip that is delayed for more than 12 hours; and 2 claims per Eligible Card per 12 consecutive month period.

  • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

  • Please visit americanexpress.com/benefitsguide for more details.

  • Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Baggage Insurance Plan

  • Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip.

  • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

  • Please visit americanexpress.com/benefitsguide for more details.

  • Underwritten by AMEX Assurance Company.


How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024, including those best for:

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