Au over Ni on Cu is a widely used printed circuit board (PCB) surface finish, under bump metallization (UBM), and component lead metallization. It is generally accepted that less than 3 wt.% Au in Sn-Pb solder joints inhibits formation of detrimental intermetallic compounds (IMC). However, the critical limit for Au content in Pb-free solder joints is not well established. Three surface-mount package platforms, one with a matte Sn surface finish and the others with Ni/Au finish, were soldered to Ni/Au-finished PCB using Sn-3.0Ag-0.5Cu (SAC305) solder, in a realistic manufacturing setting. The assembled boards were divided into three groups: one without any thermal treatment, one subjected to isothermal aging at 125°C for 30 days, and the third group aged at 125°C for 56 days. Representative solder joints were cross-sectioned and analyzed using scanning electron microscopy (SEM) and energy-dispersive x-ray spectroscopy (EDX) to investigate the evolution of the solder joint morphology as a function of Au content and isothermal aging. It was found that, if Cu is available to dissolve in the solder joint, the migration of AuSn 4 from the bulk to the interface as a result of thermal aging is mitigated.