$95
Annual fee
See the card
Card reviewAmerican Express
Updated Aug 13, 2026 · research
American ExpressMembership Rewards
American Express® Gold Card
A premium rewards card designed for dining, groceries, and travel.
PremiumPersonal
American Express
$325
Annual fee
4x pts restaurants
Top rate
N/A
Foreign fee
N/A
Rating
Current Welcome Offer
Earn 60,000 points
Spend $4,000 in 6 days
Verifiedcard page
Card Offers
public
Earn 60,000 points
Spend $4,000 in 6 days
card page
Earning Rates
Restaurants
4xpoints
on up to $25,000 in combined purchases per calendar year, then 1 point per dollar
Supermarkets
4xpoints
on up to $25,000 in combined purchases per calendar year, then 1 point per dollar
Pros & Cons
Pros
- Earns 4x Membership Rewards points at restaurants worldwide and at U.S. supermarkets, making it one of the stronger earners in these categories among premium cards.
- Up to $240 in combined annual credits ($120 dining + $120 Uber Cash) can offset a significant portion of the $325 annual fee.
- Access to 20+ Membership Rewards transfer partners, often at a 1:1 ratio, enables high-value point redemptions for flights and hotels.
- No foreign transaction fees makes it a practical option for international travel.
Cons
- The $325 annual fee is substantial and requires active use of the monthly credits to justify the cost.
- The $120 dining credit and $120 Uber Cash are issued in $10 monthly increments that expire if unused, which can be easy to miss.
- The 4x supermarket earning rate is capped at $25,000 in annual purchases, after which it drops to 1x.
- Car rental and trip delay insurance are secondary or limited in scope, which may not satisfy travelers seeking more comprehensive coverage.
- Amex acceptance can be lower than Visa or Mastercard in some international markets, which may limit usability abroad.
Key Takeaways
- Earns 4x points at restaurants worldwide and U.S. supermarkets, and 3x on flights booked directly with airlines or amextravel.com.
- Up to $240 in annual statement credits ($120 dining, $120 Uber Cash) are split into $10 monthly increments and do not roll over.
- The $325 annual fee is most justified when cardmembers consistently use both monthly credit benefits.
- Membership Rewards points transfer to 20+ partners at typically 1:1 ratios, offering strong redemption flexibility.
- A 60,000-point welcome bonus is available after spending $6,000 in the first 6 months.
Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | $325 |
Card Benefits
1 benefits
Statement Credits
Coverage Tier Legend
Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average
Frequently Asked Questions
What is the annual fee for the American Express Gold Card?
The American Express Gold Card carries a $325 annual fee. The fee is not waived for the first year. There are no foreign transaction fees on purchases made outside the U.S.
How does the $120 dining statement credit work?
The dining credit is issued in $10 monthly increments when you use your Gold Card at eligible partners, which include Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment is required, and unused monthly credits do not roll over to the next month.
How does the $120 Uber Cash benefit work?
$10 in Uber Cash is added to your Uber account each month, for a total of up to $120 annually. You must link your Gold Card to your Uber account for the credit to apply. Credits are valid for Uber Eats orders and Uber rides in the U.S. and expire at the end of each month if unused.
What rewards does the Amex Gold Card earn at U.S. supermarkets?
The card earns 4x Membership Rewards points at U.S. supermarkets on up to $25,000 in purchases per calendar year. After reaching the $25,000 cap, the earning rate drops to 1x points for the remainder of the year.
Can I transfer Membership Rewards points to airline and hotel programs?
Yes, Membership Rewards points can be transferred to more than 20 airline and hotel loyalty programs, typically at a 1:1 ratio. Notable airline partners include Delta SkyMiles, British Airways Avios, Air Canada Aeroplan, and Singapore KrisFlyer. Hotel partners include Marriott Bonvoy and Hilton Honors. Transfers are generally irreversible, so research redemption values before transferring.
Does the Amex Gold Card offer travel insurance benefits?
Yes, the card includes trip delay insurance, baggage insurance, and car rental loss and damage insurance. Baggage coverage goes up to $1,250 for carry-on and $500 for checked bags when the full fare is charged to the card. Car rental coverage is secondary, meaning personal auto insurance pays first.
What credit score is needed to qualify for the Amex Gold Card?
American Express generally targets applicants with good credit for this card. Meeting the credit score threshold does not guarantee approval, as American Express considers additional factors such as income and existing credit relationships.
Does the Amex Gold Card charge foreign transaction fees?
No, the American Express Gold Card has no foreign transaction fees. However, dynamic currency conversion fees charged by foreign merchants are separate and are not waived by this benefit.
What purchase protections come with the Amex Gold Card?
The card includes Purchase Protection, which covers new eligible purchases against accidental damage or theft for up to 90 days, up to $1,000 per occurrence and $50,000 per year. It also offers an Extended Warranty benefit that adds up to one additional year to the manufacturer's warranty on eligible items with an original warranty of 5 years or less.
About This Card
The American Express Gold Card is best for frequent diners and grocery shoppers who can realistically use the monthly dining and Uber Cash credits each month. It is also well suited for travelers who want flexible point transfers to airline partners and who book flights directly with airlines or through amextravel.com.
The American Express® Gold Card is a premium rewards credit card focused on everyday spending categories like dining and supermarkets, as well as travel benefits.
The Amex Gold Card's combination of 4x points at both restaurants worldwide and U.S. supermarkets in a single card, paired with up to $240 in annual credits, gives it a stronger dining and grocery earning profile than most competing premium travel cards at a similar price point.
Ready to Decide?
Apply for the American Express® Gold Card
Earn 60,000 points with a $325 annual fee.
Spend $4,000 in 6 days
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