American Express Gold Preferred アメックス・ゴールド・プリファード
Dining and travel rewards card · American Express International · Credit cards
A ¥39,600 Membership Rewards card with two free family cards, dining and hotel credits, insurance and lounge access, and large but conditional welcome offers.
Highlights
- Two free family cards
- Dining and hotel credits with insurance
- Membership Rewards points, transferable to partners
Things to consider
- High ongoing fee; separate welcome from long-term value
- Some benefits require thresholds or advance booking
Fees: ¥39,600 annual fee including two free family cards; interest via PayFlex applies only if used.
Points and rewards
This card earns Membership Rewards at a published base rate of 1% on eligible use, before exclusions and rounding.
- Points programme
- Membership Rewards
- Base earning rate
- 1%
- What a point is worth
- Highly variable; Membership Rewards Plus improves many rates
Best for
Travel/dining package
Watch out for
Credits require use; acceptance and fee
How you earn
- Earning rule
- Generally 1 point per ¥100 eligible spend; some categories are reduced/excluded; partner cards may use a different currency
- Extra earning on this card
- Membership Rewards Plus included; hotel/dining benefits
- Programme bonuses
- Bonus Points Program and card-specific offers
- Spend that earns
- Eligible card shopping
- Spend that earns less, or nothing
- Fees, cash advances and designated/reduced-rate categories
- Caps, registration and thresholds
- Airline transfer caps/fees; ANA course fee and 40,000-mile annual cap; partner minimums
- Expiry
- Normally 3 years; after an eligible redemption, ordinary MR can become no-expiry while account remains eligible; some co-brands differ
Using your points
- What points can be used for
- Airline miles; hotel points; card-charge offset; Amex Travel; checkout; gift cards/items/experiences; partner points; donations
- Statement credit or cash
- Point value varies by charge category and MR Plus enrollment
- Shopping and merchants
- Checkout/gift cards/items and partner services
- Airlines and travel
- Many airline partners; ANA/JAL and international programs with varying ratios
- Hotels
- Hotel-program transfers and Amex Travel
- Transit and e-money
- Indirect via statement/merchant uses
- Partner points and gifts
- Airlines, hotels, Rakuten and other current partners
- Investing and charity
- Donations; no general cash withdrawal
- Highest-value route
- A high-value airline/hotel transfer with availability; avoid low-value bill credit without MR Plus
Programme rules published by americanexpress.com · Recorded from official material on 2026-08-17.Official program rule + card product page; temporary campaigns excluded unless labeled
Benefits
Standing benefits only — short-term signup campaigns are deliberately excluded.
- Annual fee and waivers
- ¥39,600
- Insurance
- Travel insurance
- Lounges and travel services
- Airport lounge and travel credits
- Family cards and ETC
- Family cards: stated free allocation
- Networks
- American Express
- Stated eligibility
- 20+ / screening
Issuance and the credit limit remain subject to the issuer’s screening.
Network variants
The networks this card is issued on. The issuing company, the annual fee and where the card is accepted can differ by network.
| Network | Annual fee | Note |
|---|---|---|
| American Express | ¥39,600 | Selectable network stated or represented at family level |
Card facts
- Network
- American Express.
- Annual fee
- ¥39,600 including tax; two supplementary family cards are included.
- Fee waiver
- No standing annual fee waiver; benefit credits offset the fee for active users.
- Rewards
- Membership Rewards.
- Base earning
- Points accrue under Membership Rewards rules on eligible spend; value varies by redemption and merchant.
- Bonus conditions
- Enhanced categories and welcome offers require enrollment, spending thresholds and timing conditions.
- Point expiry
- Not confirmed in reviewed official material (not the same as “no”)
- Redemption
- Not confirmed in reviewed official material (not the same as “no”)
- Foreign transaction fee
- Foreign-currency use includes the conversion/processing charge in the member terms; verify the current percentage.
- Insurance
- Travel insurance and purchase protection are conditional; covered persons, activation, limits and exclusions apply.
- Purchase protection
- Not confirmed in reviewed official material (not the same as “no”)
- Airport lounge
- Airport-lounge access is offered under current facility and guest conditions.
- Transit
- Not confirmed in reviewed official material (not the same as “no”)
- Digital wallets
- Not confirmed in reviewed official material (not the same as “no”)
- Family cards
- Two supplementary family cards are included at no extra annual fee.
- ETC card
- Not confirmed in reviewed official material (not the same as “no”)
- Stated eligibility
- Applicants must satisfy the issuer requirements and screening; English service does not imply approval.
- Application
- Apply through the issuer channel. The issuer, not this site, decides issuance and the credit limit.
- Payment settings
- One-time, installment, bonus and revolving choices have different availability, fees and conditions; verify the selected setting.
- Revolving payment
- Revolving payment incurs the issuer-disclosed fee. Confirm automatic-revolving enrollment and any later-payment conversion before and after applying.
- Cash advance
- Not confirmed in reviewed official material (not the same as “no”)
- Limitations
- Terms, rates, benefits, insurance and campaigns can change. Verify the dated issuer material before applying; no approval ranking or foreign-resident eligibility claim is made.