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    The Amex Gold Card

    We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

    Our Verdict

    While the American Express® Gold Card might be the little brother to the benefit-packed, and more expensive, The Platinum Card® from American Express, it certainly still holds its own as a top-notch travel rewards card.

    The Amex Gold card is a powerful point-earner, especially when it comes to dining and grocery purchases, and it even offers an annual dining credit.

    So if you love food and travel, then the Amex Gold card might be the perfect card for you.

    American Express® Gold CardTerms Apply / Rates & Fees

    American Express® Gold Card

    U.P. Rating
    The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand fees are all taken into account. Compensation from the issuer does not affect our rating.We only recommend products we either use ourselves or endorse.

    This is the go-to card for food lovers who dine out at restaurants and those who want big rewards at U.S. supermarkets!

    Learn More(at Amex's secure site)

    American Express® Gold Card

    This is the go-to card for food lovers who dine out at restaurants and those who want big rewards at U.S. supermarkets!
    Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
    60,000 points
    $1,320
    $250
    See Pay Over Time APR
    Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
    Good to Excellent (670-850)

    The American Express® Gold Card is definitely a game-changer.

    With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year in purchases, then 1x.

    There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are a number of other benefits of the Gold Card as well, including extra monthly dining rewards and more.

    Pros

    • 4x points per $1 at restaurants, plus takeout and delivery in the U.S.
    • 4x points per $1 at U.S. supermarkets, up to $25,000 per calendar year in purchases; and 1x thereafter
    • 3x points per $1 on flights purchased directly from airlines or at Amex Travel
    • Up to $120 annual dining credit: up to $10 monthly statement credit when you pay with the Amex Gold card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations
    • Up to $120 in annual Uber Cash: get $10 monthly in Uber Cash for Uber Eats orders or Uber rides in the U.S. when you add your Gold Card to your Uber account
    • No foreign transaction fees (see rates and fees)
    • Access to Amex’s The Hotel Collection
    • Access to American Express transfer partners

    Cons

    • Earn 60,000 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.
    • Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
    • Choose the color that suits your style. Gold or Rose Gold.
    • No Foreign Transaction Fees.
    • Annual Fee is $250.
    • Terms Apply.

    Financial Snapshot

    • APR: See Pay Over Time APR
    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    American Express Membership Rewards

    Pros

    • Bonus Valuation:* $1,320
    • Earn 4x Membership Rewards points per $1 at restaurants worldwide, plus takeout and delivery in the U.S.
    • Earn 4x Membership Rewards points per $1 at U.S. supermarkets, up to $25,000 per calendar year in purchases, and 1x thereafter
    • Earn 3x Membership Rewards points per $1 on flights purchased directly with airlines or at Amex Travel
    • Up to $120 annual dining credit: up to $10 monthly statement credit when you pay with the Amex Gold card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations
    • Access to Amex Offers
    • Trip delay insurance
    • Baggage insurance
    • No foreign transaction fees (rates and fees)
    • Access to the American Express Hotel Collection
    • Access to American Express transfer partners

    Cons

    • $250 annual fee (rates and fees)
    • Does not offer elite benefits like airport lounge access

    *This bonus value is an estimated valuation calculated by UP and not the card issuer.

    Current Welcome Offer

    Earn 60,000 points when you spend $4,000 on purchases in the first 6 months.

    Don’t Get If

    • You don’t spend much money on the cards bonus categories or travel much
    • You prefer a more premium card that offers airport lounge access or hotel elite status (such as the Amex Platinum)

    Great Card If

    • You spend a lot on groceries, dining out, and airfare
    • You want a card that earns flexible rewards
    • You’re easily able to make use of the cards annual dining credit and benefits

    Apply for The Amex Gold Card

    For rates and fees of the American Express® Gold Card, click here.

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    Upgraded Points, LLC uses reasonable efforts to maintain accurate information on the site — and prior to applying for any credit card offers found on UpgradedPoints.com, all visitors should review other features of such credit cards including but not limited to interest rates, annual fees and transaction fees, and should determine the suitability of such credit cards considering their own individual financial position.

    Advertiser Disclosure: Many of the credit card offers that appear on this site are from credit card companies from which we receive compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. For more information on our advertisers and how we make money, see our advertising policy here. In addition, as an Amazon Associate we earn from qualifying purchases.

    Editorial Disclosure: The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer.

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