Edited by: Stella Shon
& Kellie Jez
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This is the go-to card for food lovers who dine out at restaurants and those who want big rewards at U.S. supermarkets!
(at Amex's secure site)
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.
The Amex Gold card is an absolute workhorse of a card when it comes to earning Amex Membership Rewards points, especially for those that have a large level of annual spending on dining or U.S supermarket purchases. In fact, you’ll be hard-pressed to find many better cards for these purchases.
Some might see the $250 annual fee that the card charges and immediately write it off as a non-starter, but you should consider that the card offers a $120 annual dining credit and a $120 annual Uber Cash.
Plus, when you combine those credits with the card’s other benefits like baggage insurance, access to Amex’s The Hotel Collection, and access to Amex Offers, you can see it is fairly easy to get more value out of the card than the fee you pay.
To help make your decision, ask yourself these questions:
If you answered yes to those questions, then the Amex Gold card would likely be very worth it for you.
Active-Duty Military? You can access exclusive military benefits as an Amex Gold cardholder.
Earn up to $10 in statement credits each month when you use your card to make purchases at the following restaurants and food delivery services:
Your Amex Gold card gives you up to $120 each year in Uber Cash, distributed as $10 each month, that can be used on Uber rides, Uber Eats orders, and Uber groceries in the U.S. (only available in select markets). Be sure to add your Gold Card to your Uber account to receive this benefit!
The Amex Gold card gets you access to The Hotel Collection. This group of exclusive hotels offers special benefits to cardmembers when booking a stay of at least 2 nights at select properties in the collection. You can enjoy the following benefits with The Hotel Collection:
Use your card to reserve and pay for your car rental, decline the rental agency’s coverage, and you’ll be covered (up to $50,000) if the car is damaged or stolen. This coverage is secondary to other insurance.
If you pay for your entire ticket with your Amex Gold card, and the carrier damages your bag or the items inside, you can receive coverage of up to $1,250 for carry-on baggage and $500 for checked baggage.
When you make a purchase with your card and the item is accidentally damaged, stolen, or lost, you’ll receive coverage for up to 90 days from the purchase date and $10,000 per occurrence.
If you purchase an item that has a manufacturer’s warranty of fewer than 5 years, your card extends that warranty coverage by 1 additional year.
Even though the Amex Gold card is great at earning points on its own, there are still many other ways to earn Amex Membership Rewards points that you’ll want to be aware of.
Since you’ll earn points rapidly, you need to learn how you can put those points to good use. To do so, we recommend you check out our guide to the best ways to redeem your Amex points for max value.
So much of learning how to maximize your points and miles comes down to learning how to effectively use transfer partners to reach your travel goals. Given that, if you want to learn how to squeeze as much value as possible out of your points, you need to learn about the American Express transfer partners and how to use them!
A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
The Chase Sapphire Preferred® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.
Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.
The Chase Sapphire Preferred card is one of the most popular travel rewards cards on the market, and with benefits including 2x points per $1 spend on dining and travel, no foreign transaction fees, and flexible redemption options (including transfer partners), it’s easy to see why the card is so popular.
For just a $95 annual fee, you’ll be able to start earning Chase Ultimate Rewards points, one of the most valuable loyalty currencies available. Chase Ultimate Rewards points can be redeemed for incredible value through the program’s select Chase transfer partners.
See how these 2 cards stack up: Amex Gold Card vs. Chase Sapphire Preferred Card
Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
As a frequent traveler with excellent credit, you’re always on the lookout for a credit card that comes with all the bells and whistles. And the easier it is to understand, the better!
The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great sign-up bonus, high rewards rates, and flexible redemption options.
If the majority of your daily spending comes from purchases outside of dining and travel categories, then the Capital One Venture card might be a great option for you.
See how these card stack up: Amex Gold Card vs. Capital One Venture Card
Frequent flyers will enjoy 3x ThankYou Points at restaurants, gas stations, supermarkets, air travel, and hotels.
The Citi Premier® Card is an excellent option for anyone looking for an all-around travel rewards credit card. The card helps you earn points fast with great 3x bonus categories such as restaurants, supermarkets, gas stations, airfare, and hotels. Plus, it offers access to airline and hotel transfer partners, doesn’t charge foreign transaction fees, and has a reasonable annual fee!
The Citi Premier card offers 3x points per $1 on travel purchases, including gas stations, making it one of the few travel credit cards on the market to offer a high return on gas purchases.
This makes the card an excellent choice for those who drive often for work or love taking road trips. Citi Premier cardholders will also earn 2x points per $1 on restaurants and entertainment purchases.
See how these cards stack up: Amex Gold Card vs. Citi Premier Card
We’ve compared the Amex Gold card to some other popular credit cards:
For rates and fees of the American Express® Gold Card, click here.
The Amex Gold card offers great earning potential at supermarkets, restaurants, and airfare expenses while offering a variety of high-value redemption options.
Points can be redeemed for a variety of travel partners and can be transferred directly to other loyalty accounts when you need points elsewhere.
Cardholders also benefit from perks such as the up to $120 annual dining credit.
While the card does come with a $250 annual fee, if you’re able to maximize the bonus categories and card perks, it may be very worth the fee.
Yes, the card earns Membership Rewards points that you can use for huge value!
No, as long as your account stays active and in good standing, you will never lose your Membership Rewards points.
The annual fee is $250.
No, there are no foreign transaction fees when using the card.
Yes, the card is a metal card with a gold finish. A Rose Gold finish is also available.
No, the card doesn’t have a preset spending limit. But that doesn’t mean you have access to unlimited spending. Your purchasing power will adjust based on the use of your card, payment and credit history, and financial resources.
When you make purchases on your card, you earn rewards in the form of points. These Membership Rewards points can be redeemed for statement credits, gift cards, travel, and more.
The points accumulate in your account until you redeem them.
To redeem your points, simply log in to your online American Express card account and select the Membership Rewards portal to view your account summaries and the various ways to earn and redeem points.
Membership Rewards points can be redeemed for merchandise, gift cards, travel, used as a charity donation, and even spent on Amazon — but their greatest value is realized when transferring points to airline partners.
To receive the dining statement credit (which is limited to $10 each statement period), you must enroll through your American Express portal and use your card at participating restaurants.
The maximum credit is $120 per calendar year.
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