Current offer
Earn as high as 100,000 points
After spending $8,000 in the first 6 months from account opening. Welcome offers vary and you may not be eligible for an offer. Offer terms apply.
Estimated first year value
Based on our valuation of this card.
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Current offer
Earn as high as 100,000 points
After spending $8,000 in the first 6 months from account opening. Welcome offers vary and you may not be eligible for an offer. Offer terms apply.
The point.me verdict
The American Express® Gold Card is one of the most rewarding cards on the market for dining and groceries, earning 4x at restaurants and 4x at US supermarkets up to generous caps. Its stack of credits can offset the $325 fee, but only if you'll actually use them each month. Best for larger families who spend big on eating in and out. Show rates & fees.
What we love
- 4x at restaurants worldwide (capped)
- 4x at US supermarkets (capped at $25K/year)
- 3x on flights booked directly with airlines
- Packed with credits that help offset the $325 fee
What we don't
- $325 annual fee
- No bonus on hotels booked direct, only via Amex Travel
- Credits hard to use without participating restaurants nearby
Amex Membership Rewards
American Express Membership Rewards points for US-issued cards can be transferred to more than 20 airline and hotel partner programs, offering members a wide variety of redemption paths. A few especially noteworthy partners include ANA Mileage Club, Delta SkyMiles, and Hilton Honors, the latter of which stands out thanks to its favorable 1:2 transfer ratio that stretches points further.
Rewards on this card
- 5xPrepaid hotel stays booked through AmexTravel.comBooked through AmexTravel.com or the Amex Travel App™
- 4xRestaurants worldwideOn up to $50,000 in purchases per calendar year, then 1X points for the rest of the year
- 4xUS supermarketsOn up to $25,000 in purchases per calendar year, then 1X points for the rest of the year
- 3xFlights booked through AmexTravel.comAlso includes flights booked through the Amex Travel App™
- 3xFlights purchased directly from airlines
- 2xPrepaid car rentals booked through AmexTravel.comAlso includes prepaid car rentals booked through the Amex Travel App™
- 2xCruises booked through AmexTravel.comCruises must be booked and paid through AmexTravel.com
- 1xAll other eligible purchases
Card Benefits
Discover the perks included with this card, on top of what you earn.
- $120
Dining Credit (enrollment required)
Earn up to $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120.
- $120
Uber Cash on Gold
Enjoy up to $120 in Uber Cash annually with your Gold Card. Add your 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 Amex Card for your transaction.
- $100
Resy Credit (enrollment required)
Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That's up to $50 in statement credits semi-annually.
- $100
The Hotel Collection Credit
Book two nights or more with The Hotel Collection through AmexTravel.com and receive a $100 credit towards eligible charges at over 1,400 upscale hotels worldwide. Eligible charges vary by property.
- $84
Dunkin' Credit (enrollment required)
Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin' locations.
- $75
Hertz Five Star® Status (enrollment required)
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost, and vehicle upgrades. Benefit enrollment and Hertz Gold+ registration are required.
Dollar values shown are estimates used to calculate the card’s first-year value, not the actual value of each benefit.
See what you’d earn
Set your monthly spend to see what you’d earn in year one, and what it’s worth.
Assumes caps apply per year and capped spend falls back to the base rate.
163,600 pts ≈ $2,781
Your first year in annual value
