Card reviewAmerican Express
Updated Apr 16, 2026 · research
American Express® Gold Card
American ExpressMembership RewardsEditorially reviewed

Gold Card

Earn 4 Membership Rewards Points at U.S. restaurants and U.S. supermarkets (on up to $25,000 in combined purchases per calendar year, then 1 point per dollar).

Mid TierPersonal
American Express
Credit profile: good
$250
Annual fee
4x pts restaurants
Top rate
None
Foreign fee
N/A
Rating

Current Welcome Offer

60,000 points

$600 estimated value

Spend $4,000 in 6 days

Verifiedcard page

Card Offers

public

60,000 points

Verified

$600 estimated value

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

Fees

Fee TypeAmount
Annual Fee$250
Foreign Transaction Fee0%

APR Information

Purchase APR
19.24% - 29.24%0% intro APR for 0 months
Balance Transfer APR
19.24% - 29.24%
Cash Advance APR
29.24%
Penalty APR
29.24%May apply if you pay late

APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.

Card Benefits

1 benefits

Statement Credits

Coverage Tier Legend

Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average

About This Card

The American Express Gold Card is a personal credit card that offers rewards and benefits for dining, groceries, and travel. It has a $250 annual fee and offers 4 Membership Rewards Points per dollar spent at U.S. restaurants and U.S. supermarkets (on up to $25,000 in combined purchases per calendar year, then 1 point per dollar). Cardmembers also receive a $120 annual dining credit and a $100 annual airline fee credit. The card offers travel insurance, purchase protection, and other benefits.

Ready to Decide?

Apply for the Gold Card

60,000 points, worth about $600 estimated value, with a $250 annual fee.

Spend $4,000 in 6 days

Reward Program

Membership Rewards

Earns Points

Learn more

Card Categories

Sources & Methodology

Data Collection

We collect card details from official issuer pages, then verify them through editorial review.

Last updated:

Editorial Review

Pending editorial review.

Data Quality
  • 1 of 1 benefits rated high confidence
  • 1 of 1 offer verified
Learn More

Read our full methodology for how we collect, verify, and rate credit cards.

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