The Gold Card
American Express Saudi ArabiaAmerican Express
Card Information
Overview
Key Metrics
SAR 700
Annual Fee
The yearly cost of holding this card. Your rewards should exceed this amount to make the card worth it.
SAR 248 /yr
Est. Net Annual Value
Estimated net earnings per year (rewards minus fees) based on an average Saudi monthly spend of SAR 7,000. Your actual value depends on your real spending.
2% top · 1.26% avg
Earn Rate
The top earn rate is 2% on select categories. On average, you'll earn about 1.26% across all your spending. Example: spend SAR 1,000 and earn roughly SAR 13 back.
SAR 30,000
Welcome Bonus
A one-time bonus when you open the card. May require minimum spend. Check with the bank.
4 benefits · ≈SAR 2,100
Included Perks
Perks are estimated at SAR 2,100/yr total. The actual value depends on how often you use each benefit.
0.3%
Return on Spend (ROI)
For every SAR 100 you spend, you get back about SAR 0.3 after fees. The higher this number, the better the card is for you.
How much will you earn from this card?
Based on avg. Saudi spend (SAR 7,000/mo)
SAR 548
Year 1 (incl. bonus)
SAR 248
Every year after
Break-Even: Spend ≥ SAR 4,640/mo to offset the annual fee✓
• Projections based on avg. Saudi spending (SAR 7,000/mo). Your actual spending may differ — use the calculator for personalized results.
• Card terms may be changed by the bank at any time, affecting projected values.
• Perk values are estimates based on bank-third party agreements and subject to revision.
Pros
Cons
Fees & Rates
The fee the bank charges yearly for the card.
The minimum monthly salary required to apply for this card.
Extra fee charged on purchases in foreign currencies. Example: SAR 1,000 purchase = SAR 30 fee.
The window you have to pay your full balance without being charged any interest.
Rewards & Benefits (Points)
Return Type
Earn Rates by Category
The earn rate is how much you get back on each purchase. For example, 5% means for every SAR 100 you spend, you earn SAR 5 back.
Spend SAR 1,000/mo → earn ~SAR 1,000
Spend SAR 1,000/mo → earn ~SAR 1,000
Spend SAR 1,000/mo → earn ~SAR 2,000
Spend SAR 1,000/mo → earn ~SAR 2,000
Spend SAR 1,000/mo → earn ~SAR 1,000
Spend SAR 1,000/mo → earn ~SAR 1,000
Spend SAR 1,000/mo → earn ~SAR 1,000
Spend SAR 1,000/mo → earn ~SAR 1,000
Spend SAR 1,000/mo → earn ~SAR 2,000
Spend SAR 1,000/mo → earn ~SAR 1,000
Spend SAR 1,000/mo → earn ~SAR 1,000
Spend SAR 1,000/mo → earn ~SAR 1,000
Spend SAR 1,000/mo → earn ~SAR 1,000
Spend SAR 1,000/mo → earn ~SAR 0
Spend SAR 1,000/mo → earn ~SAR 1,000
Benefits
- Airport Lounge Access — 2 complimentary lounge visits per year (≈ SAR 400)
- Entertainment — Amex Entertainer — dining and entertainment offers (≈ SAR 1000)
- Dining Discounts — Exclusive dining offers at partner restaurants (≈ SAR 500)
- Purchase Protection — Purchase protection coverage (≈ SAR 200)
Billing & Repayment
Statement Date
Monthly
Payment Due
25 days after statement date
Features
General Features
2 complimentary lounge visits per year
Amex Entertainer — dining and entertainment offers
Exclusive dining offers at partner restaurants
Purchase protection coverage
Card Details
Bank Information
More cards from American Express Saudi Arabia
Estimate Your Credit Card Rewards
Your Estimated Rewards
SAR 0 / year
Based on your spending profile
Data sourced from banks
All card information, rates, fees, and benefits are sourced directly from the official bank card pages. Banks may update their terms and conditions at any time. We recommend verifying the latest details on the bank's website or contacting the bank directly before making any financial decision.
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