American Express Gold Card
The American Express Gold Card earns 4x Membership Rewards points at restaurants and U.S. supermarkets, 3x on flights booked directly with airlines or on amextravel.com, and comes with up to $240 in annual dining and Uber Cash credits.
Annual Fee
$325
Top Earning Rate
4x pts restaurants worldwide
Foreign Tx Fee
None
Rating
N/A
Current Welcome Offer
60,000 points
$1,200 estimated value
Spend $6,000 in 180 days
Card Offers
public
60,000 points
$1,200 estimated value
Spend $6,000 in 180 days
Earning Rates
4x at restaurants worldwide
4x at U.S. supermarkets on up to $25,000 per calendar year in purchases, then 1x
3x on flights booked directly with airlines or on amextravel.com
1x on all other eligible purchases
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.
- Solid welcome offer of 60,000 points (valued at approximately $1,200) after meeting the spend requirement.
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 |
| Foreign Transaction Fee | 0% |
APR Information
- Purchase APR
- 20.99% - 29.99%
- Cash Advance APR
- 29.99%
APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.
Card Benefits
8 benefits (2 strong or better)
Travel Insurance
Travel Credits
Purchase Protection
Statement Credits
Coverage Tier Legend
Frequently Asked Questions
What is the annual fee for the American Express Gold Card?
What is the current welcome offer for the Amex Gold Card?
How does the $120 dining statement credit work?
How does the $120 Uber Cash benefit work?
What rewards does the Amex Gold Card earn at U.S. supermarkets?
Can I transfer Membership Rewards points to airline and hotel programs?
Does the Amex Gold Card offer travel insurance benefits?
What credit score is needed to qualify for the Amex Gold Card?
Does the Amex Gold Card charge foreign transaction fees?
What purchase protections come with the Amex Gold Card?
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 travel rewards card that earns 4x Membership Rewards® points at restaurants worldwide and at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1x), 3x points on flights booked directly with airlines or on amextravel.com, and 1x points on all other eligible purchases. Cardmembers receive up to $120 in annual dining statement credits (up to $10/month) at eligible partners, up to $120 in Uber Cash annually ($10/month) toward Uber Eats or Uber rides in the U.S., and up to $100 in hotel credits on eligible stays of 2+ nights booked through The Hotel Collection via American Express Travel. The card carries a $325 annual fee and has no foreign transaction fees.
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
60,000 points, worth about $1,200 estimated value, with a $325 annual fee.
Spend $6,000 in 180 days
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Sources & Methodology
Sources & Methodology
Card details are collected by automated crawlers from official issuer pages, then verified by editorial review.
Last updated:
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- 1 of 1 offer verified
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