The American Express Gold is a personal credit card from American Express Gold. Application typically pulls a hard report from Experian. The annual fee is $325. The ongoing APR is 19.49%–28.49% variable. Approval typically requires a credit score of Good to Excellent or higher. Signup bonus: As high as 100,000 points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership.. Rewards: 4x points at restaurants worldwide including takeout/delivery, 4x on groceries at U.S. supermarkets (up to $25,000/yr), 3x on flights booked directly with airlines or via Amex Travel, 1x on everything else. $120 dining credit, $120 Uber Cash, $84 Dunkin credit.. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: American Express application limits: 1-in-5 (max 1 personal card approval per 5-day window) AND 2-in-90 (max 2 cards approved within any rolling 90-day period). Sign-up bonuses are once-per-lifetime per card product family. Charge cards (Green/Gold/Platinum) generally don't count toward credit-card velocity rules..