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Pros & Cons
Pros
- +Welcome Bonus: 100,000 points
- +Up to 4x on groceries
- +Purchase protection included
Cons
- –High annual fee ($325/yr)
- –No lounge access
Our Review
Experience Dining & Travel Rewards with the American Express® Gold Card
- Up to 100,000 Membership Rewards® points after $6,000 in purchases within the first 6 months
- 4X points at restaurants worldwide (on up to $50,000 per year, then 1X)
- 4X points at U.S. supermarkets (on up to $25,000 per year, then 1X)
- 3X points on flights booked directly with airlines or on AmEx Travel
- 1X point on all other purchases
- No foreign transaction fees
- $120 annual dining credit ($10 monthly) at select partners like Grubhub & The Cheesecake Factory
- Up to $120 Uber Cash ($10 monthly) for U.S. Uber rides & Uber Eats
- Up to $100 Resy credit ($50 semi‑annually) on eligible restaurant bookings
- Up to $84 Dunkin’ credit ($7 monthly) at U.S. Dunkin’ locations
- Transfer points to leading airline & hotel partners for maximum value
Whether you’re indulging in chef‑crafted meals, stocking up on groceries or flying across the globe, the AmEx Gold Card turns everyday spend into premium rewards. Use your monthly credits, earn accelerated points on dining and travel, and redeem points for statement credits or transfer to top loyalty programs—all while enjoying no foreign transaction fees.
Terms apply. Welcome offer and credits require enrollment and qualifying purchases. See issuer for full details.
Rewards
All Spending
1x
American Express Membership Rewards pts per dollar
Groceries
4x
American Express Membership Rewards pts per dollar
Restaurants
4x
American Express Membership Rewards pts per dollar
Travel
3x
American Express Membership Rewards pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
69,600
American Express Membership Rewards/yr
Estimated Value
$696
After Fees
+$371
1st Year Value
$1,371
incl. welcome bonus
Breakdown
Perks & Benefits
Travel Credits
Included
Additional Benefits
Travel Insurance
Lost Baggage
Up to $1,250
Flight Delay
Up to $300
Purchase Protection
Purchase Protection
Up to $10,000 / 90 days
Extended Warranty
+1 years
Auto Rental Collision (secondary)
Up to $50,000 / 30 days
Fees and interest rates
- Annual Fee$325
- Foreign currency conversion fee0%
Terms & Conditions
Card Features
- You may be eligible for as high as 100,000 Membership Rewards Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- 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 get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $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 U.S. Dunkin’ locations. Enrollment is required to receive this benefit.
- $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 towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 American Express. All trademarks are property of their respective owners.