American Express® Gold Card
- Annual fee
- $250
- Recommended credit
- Excellent / Good
- Card network
- American Express
- Regular purchase APR
- See Pay Over Time APR
At a glance
Foodies, rejoice! The American Express® Gold Card grants you the ability to earn 4X Membership Rewards® points at restaurants worldwide and US supermarkets, and 3X Membership Rewards® points on flights booked directly with airlines or via amextravel.com. There are also numerous travel perks of note, including statement credits for hotel and airline purchases.
Our review of the American Express® Gold Card
The American Express® Gold Card is perfect for food enthusiasts who enjoy dining out at trendy restaurants and hosting meals at home. In addition to its dining perks, this card offers competitive travel rewards and statement credits for airline and hotel stays. With an annual fee of $250, this card is a great choice for those with good to excellent credit scores.
Eligibility
To qualify for the American Express Gold Card, you typically need a good to excellent credit score. However, even those with slightly lower scores may be eligible due to the Pay in Full nature of the card.
Choose Your Card Design
New applicants can choose between the stylish Rose Gold Card or the classic Gold Card when applying.
Pay Over Time
While the Gold Card is a charge card, cardholders can still carry a balance using the “Plan It” feature at a competitive APR.
How to Earn Rewards with the Amex Gold
Huge Welcome Offer: Upon meeting minimum spending requirements, new cardholders can expect a welcome offer of between 60,000 and 75,000 Membership Rewards points.
Earning Rewards: Cardholders earn 4X Membership Rewards points per dollar spent at restaurants worldwide, 4X points at U.S. supermarkets (up to $25,000 in purchases annually), and 3X points for flights booked directly with airlines or at amextravel.com.
How to Redeem Amex Membership Rewards
Membership Rewards points can be redeemed for travel, hotels, airfare, cruises, merchandise, gift cards, statement credits, charitable donations, and transfers to partners.
Gold Card Statement Credits
Dining Statement Credits: Cardholders can earn up to $120 in dining statement credits annually at select merchants.
Uber Statement Credits: Cardholders receive up to $120 in Uber statement credits each year.
Other Card Benefits
The Gold Card also offers benefits such as baggage insurance, Global Assist Hotline, access to the American Express Hotel Collection, and more.
Comparison
Here’s a comparison of the American Express Gold Card with other similar cards:
| Card | Dining Rewards | Other Reward Categories | Other Features |
|---|---|---|---|
| Mastercard® | 4% back with DoorDash & Caviar | 2% back on groceries; 1% back on all other purchases | Complimentary DashPass |
| Capital One® Savor® Cash Rewards | 4% back on dining | 4% back on entertainment; 3% back on groceries; 1% back on all other purchases | Postmates Unlimited membership |
| Citi Custom Cash℠ Card | 5% on highest eligible spend category; 1% on all other purchases | 0% intro APR; no annual fee | N/A |
Amex Comparison
| Card | Annual Fee | Rewards | Statement Credits | Lounge Access |
|---|---|---|---|---|
| The Platinum Card® | $695 | 5X points on flights and hotels; 1X on all other purchases | Up to $1500 | Priority Pass Select |
| American Express® Gold Card | $250 | 4X points at restaurants; 3X on flights; 1X on all other purchases | Up to $240 | N/A |
| American Express® Green Card | $150 | 3X points on global restaurants and travel; 1X on all other purchases | $100 | $100 Loungebuddy credit |
What We Like About the Gold Card
The Gold Card offers generous rewards in key categories like dining, groceries, and travel, making it a great choice for those who frequent these establishments.
Things to Consider
While the Gold Card has great benefits, the annual fee may deter some applicants. It’s important to assess whether the rewards and perks justify the cost for your individual spending habits.
Should You Apply for the American Express® Gold Card
Overall, the Amex Gold Card is a competitive option for those seeking dining, supermarket, or travel rewards. While the annual fee is on the higher side, the benefits and rewards can easily offset this cost for many cardholders. Consider your spending habits and compare with other similar cards before making a decision.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Earn 75,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership
- Earn 4X Membership Rewards® points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X)
- Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com
- $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
- $120 Dining Credit: Satisfy your cravings and 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, Milk Bar and select Shake Shack locations. Enrollment required
- Choose the color that suits your style. Gold or Rose Gold
- No Foreign Transaction Fees
- Annual Fee is $250
Who this card may suit
- You want to earn 4X Membership Rewards® points for global restaurant purchases, including takeout and delivery
- You also wish to earn 4X Membership Rewards® points on purchases at U.S. supermarkets (up to $25,000 annually)
- You travel often and can take advantage of 3X Membership Rewards® points on flights booked directly with airlines or via amextravel.com
- You would benefit from statement credits on a variety of travel expenses
Rates, fees and terms
| Annual Fee | $250 |
|---|---|
| Regular Purchase APR | See Pay Over Time APR |
| Cash Advance APR | 29.99% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Penalty APR | 29.99% variable based on the Prime Rate |
| Late Payment Penalty Fee | Up to $40 |
| Return Payment Penalty Fee | Up to $40 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.
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