The American Express® Gold Card is a premium credit card that offers a series of exclusive benefits and advantages to its holders. There are different versions of the card, issued by different banks and with their own characteristics. Below, I present a summary of the main information about the most common versions of the card:
**Bradesco American Express® Gold Card:**
* **Annual fee:** R$ 748
* **Points:** 1.5 points per dollar spent in Brazil and 1.8 points per dollar spent abroad. Points never expire and can be transferred to loyalty programs like Livelo and Membership Rewards.
* **Travel benefits:** Travel insurance, luggage insurance, access to the LoungeKey VIP lounge at airports, category upgrades at hotels and car rental companies, among others.
* **Exclusive benefits:** Discounts at American Express partner restaurants, stores and services.
**Santander American Express® Gold Card:**
* **Annual fee:** R$534 (exempt in the first year for new customers)
* **Points:** 1.2 points per dollar spent, which can be transferred to Esfera or Membership Rewards.
* **Travel benefits:** Travel insurance, luggage insurance, access to the LoungeKey VIP lounge at airports, among others.
* **Exclusive benefits:** Discounts at American Express partner restaurants, stores and services.
**American Express® Gold Card from International Dollar Card:**
* **Annual fee:** US$ 150
* **Points:** Do not accumulate points in loyalty programs.
* **Travel benefits:** Priority Pass with two free visits per year, travel insurance, luggage insurance, among others.
* **No pre-defined spending limit:** Expenses are approved based on several factors, which offers greater financial flexibility.
**Other important information:**
* **Brand:** American Express
* **Minimum income:** Generally, the minimum income required to apply for the card is R$7,000.
* **International coverage:** All versions of the card offer international coverage.
**How to choose the best card for you:**
The best option for you will depend on your spending profile and needs. If you travel frequently, the Bradesco American Express® Gold Card may be a good option, as it offers more travel benefits. If you prefer to accumulate points in loyalty programs, the Santander American Express® Gold Card may be more advantageous. If you are looking for a card with no pre-defined spending limit and international travel benefits, the American Express® Gold Card from International Dollar Card may be the ideal choice.
I recommend that you compare the different options and choose the card that best suits your needs and spending profile. For more information and details about each card, check the issuing banks’ websites or contact the American Express call center.
The American Express® Gold Card offers a variety of benefits that may vary depending on the issuing bank (Bradesco, Santander or International Dollar Card). However, some benefits are common to all versions:
**Travel Benefits:**
* **Travel Insurance:** Coverage for medical and dental expenses, trip cancellation and lost luggage.
* **Baggage Insurance:** Protection against loss, theft or damage to checked baggage on flights.
* **Access to VIP Lounges:** Free or discounted access to VIP lounges at airports, such as LoungeKey or Priority Pass (depending on the card).
* **Category Upgrade:** Possibility of category upgrade in partner hotels and car rental companies.
* **Concierge:** 24-hour concierge service to assist with reservations, information and other services.
**Exclusive Benefits:**
* **Points Program:** Accumulation of points per dollar spent, which can be exchanged for airline tickets, products, services or transferred to partner loyalty programs.
* **Discounts and Special Offers:** Discounts on restaurants, stores, hotels, services and exclusive experiences for American Express customers.
* **Purchase Protection:** Extended warranty, insurance against theft and accidental damage for products purchased with the card.
* **Emergency Services:** Emergency card replacement, emergency advance and global assistance in case of card loss or theft.
**Additional Benefits (vary depending on the issuing bank):**
* **No Pre-defined Spending Limit:** Flexibility to make purchases without a pre-established limit (International Dollar Card).
* **Access to Loyalty Programs:** Transfer of points to programs such as Membership Rewards, Esfera or Livelo (Bradesco and Santander).
* **Assistance Services:** Travel assistance, vehicle assistance, home assistance and other convenience services.
To learn about all the specific benefits of each version of the American Express® Gold Card, I recommend that you visit the issuing banks’ websites or contact the American Express call center.