American Express Gold Card credit card 2026: price, benefits and effective annual interest rate (APR)
In October 2026 American Express Gold costs €17.50/month, and includes four Priority Pass visits per year and supplementary travel insurance. It is a payment card whose bill is paid in full monthly.
Effective annual interest rate (APR)
0.00% effective annual interest rate (APR)
On American Express's page: "The effective annual interest rate (APR) calculated for a credit in use of €4,500 is 0% (03.2024). The interest rate is 0%. The calculation has been made assuming that the customer uses an e-invoice, that no cash withdrawals or purchases requiring currency exchange have been made and that the credit is repaid in full in one payment as agreed. Membership fees charged for certain card types have not been included."
The banks' effective annual interest rate (APR) examples are not comparable with each other: the credit amount and the loan period vary, and in some examples the card's monthly fee is included in the calculation and in others it is not. Compare the figures only if the assumptions of the example are the same. Pankkitutka does not rank credit cards by effective annual interest rate (APR).
The cap on consumer credit interest is 17.50% for the period 1 July 2026-31 December 2026. See the interest rate cap and its sources.
American Express Gold Card: price
| Monthly price | €17.50/month |
|---|---|
| Annual price | €210.00/year |
| Terms affecting the price | Membership fee €17.50/month (€210/year). |
| Who can apply | American Express's card pages do not publish an income limit. The card is granted on the basis of a credit assessment, and because of the positive credit register a purchase limit is set on the card at the application stage. Issuer American Express Europe S.A. (Madrid). |
Credit terms
| Interest rate | 0.00% |
|---|---|
| How the interest is set | Payment card: the whole bill is paid monthly, and no interest is charged. Late-payment interest after the due date. |
Benefits
| Travel insurance | Comprehensive supplementary travel insurance for the whole family (including baggage delay, loss of personal belongings); insured amounts in the terms. |
|---|---|
| Lounge | Priority Pass: 4 lounge visits per year (1,300+ lounges) and Lounge on-the-go. |
| Withdrawals abroad | Cash withdrawal charge 4% of the amount withdrawn, at least €4.25/withdrawal. |
| Currency conversion markup on card payments | 2.20% |
| Purchase protection | The maximum amounts of purchase protection are not stated on the product page. |
|---|---|
| Cashback or points | Membership Rewards points on purchases; the accrual per euro is not stated on the Gold page. |
| Other | Dining by Amex restaurant experience for two once a year, 3 Member Invites. |
Related guides
- Premium accounts and cards compared
- Bank packages compared
- Ålandsbanken Premium Gold (Premium Banking)
- OP Platinum
- American Express Platinum Card
Sources
- American Express Gold Card (Suomi)retrieved 16 October 2026
- American Express: Kaikki yksityiskortitretrieved 16 October 2026
Data checked 16 October 2026. Check current terms and prices with the provider.
Pankkitutka has no advertising links for credit products: the links always go to the provider's own site.
Frequently asked questions
How much does American Express Gold Card cost?
In October 2026 American Express Gold Card costs €17.50/month, annual price €210.00/year. Membership fee €17.50/month (€210/year). Effective annual interest rate (APR) 0.00% (example: On American Express's page: "The effective annual interest rate (APR) calculated for a credit in use of €4,500 is 0% (03.2024). The interest rate is 0%. The calculation has been made assuming that the customer uses an e-invoice, that no cash withdrawals or purchases requiring currency exchange have been made and that the credit is repaid in full in one payment as agreed. Membership fees charged for certain card types have not been included.").
What is the effective annual interest rate (APR) of American Express Gold Card?
In October 2026 American Express Gold Card: Effective annual interest rate (APR) 0.00% (example: On American Express's page: "The effective annual interest rate (APR) calculated for a credit in use of €4,500 is 0% (03.2024). The interest rate is 0%. The calculation has been made assuming that the customer uses an e-invoice, that no cash withdrawals or purchases requiring currency exchange have been made and that the credit is repaid in full in one payment as agreed. Membership fees charged for certain card types have not been included."). The banks' effective annual interest rate (APR) examples are not comparable with each other: the credit amount and the loan period vary, and in some examples the card's monthly fee is included in the calculation and in others it is not. Compare the figures only if the assumptions of the example are the same. Pankkitutka does not rank credit cards by effective annual interest rate (APR).
What benefits does American Express Gold Card include?
In October 2026 Travel insurance: Comprehensive supplementary travel insurance for the whole family (including baggage delay, loss of personal belongings); insured amounts in the terms. Lounge: Priority Pass: 4 lounge visits per year (1,300+ lounges) and Lounge on-the-go. Cashback or points: Membership Rewards points on purchases; the accrual per euro is not stated on the Gold page. Currency conversion markup on card payments: 2.20%. Effective annual interest rate (APR) 0.00% (example: On American Express's page: "The effective annual interest rate (APR) calculated for a credit in use of €4,500 is 0% (03.2024). The interest rate is 0%. The calculation has been made assuming that the customer uses an e-invoice, that no cash withdrawals or purchases requiring currency exchange have been made and that the credit is repaid in full in one payment as agreed. Membership fees charged for certain card types have not been included.").