The Amex Gold Card
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Our Verdict
The Amex Gold card is a powerful point-earner, especially when it comes to dining and grocery purchases, and it even offers an annual dining credit.
So if you love food and travel, then the Amex Gold card might be the perfect card for you.
Terms Apply / Rates & Fees
This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!
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The American Express® Gold Card is a game-changer.
With this card, you can earn 4x Membership Rewards points at restaurants, up to $50,000 per calendar year, and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year, then 1x.
There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.
- 4x points per dollar at restaurants worldwide, up to $50,000 per calendar year; then 1x thereafter
- 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year; then 1x thereafter
- 3x points per dollar on flights purchased directly from airlines or at AmexTravel.com
- $325 annual fee (rates and fees)
- No lounge access
- Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.
- Get the American Express® Gold Card in either the Gold, Rose Gold or Limited-Edition White Gold metal design. White Gold design is only available while supplies last.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at Dunkin' locations.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit to use towards eligible charges, which may include food and beverage, spa, or other on-property charges with every booking of two nights or more through AmexTravel.com. Credit use varies by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
- APR: See Pay Over Time APR
- Foreign Transaction Fees: None
Pros
- Bonus Valuation:* $1,420
- Earn 4x Membership Rewards points per $1 at restaurants worldwide, plus takeout and delivery in the U.S., up to $50,000 per year in purchases (1x thereafter)
- Earn 4x Membership Rewards points per $1 at U.S. supermarkets, up to $25,000 per year in purchases (1x thereafter)
- Earn 3x Membership Rewards points per $1 on flights purchased directly with airlines or at Amex Travel
- Up to $120 annual dining credit: up to $10 monthly statement credit when you pay with the Amex Gold card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys
- Access to Amex Offers
- Trip delay insurance
- Baggage insurance
- No foreign transaction fees (rates & fees)
- Access to the American Express Hotel Collection
- Access to American Express transfer partners
Note: some benefits requirement enrollment through your American Express Account
Cons
- $325 annual fee (rates & fees)
- Does not offer elite benefits like airport lounge access
*This bonus value is an estimated valuation calculated by UP and not the card issuer.
Current Welcome Offer
LIMITED TIME OFFER: Earn 60,000 points after spending $6,000 in the first 6 months. Plus, receive 20% back in statement credits at restaurants worldwide within the first 6 months, up to $100 back. Offer ends 11/6/24.Don’t Get If
- You don’t spend much money on the cards bonus categories or travel much
- You prefer a more premium card that offers airport lounge access or hotel elite status (such as the Amex Platinum)
Great Card If
- You spend a lot on groceries, dining out, and airfare
- You want a card that earns flexible rewards
- You’re easily able to make use of the cards annual dining credit and benefits
Apply for The Amex Gold Card
For rates and fees of the American Express® Gold Card, click here.