American Express® Gold Card

The American Express® Gold Card is built for food lovers and frequent travelers who want elite rewards on their highest everyday expenses. It earns well on dining out, ordering delivery, and grocery shopping, while also earning elevated points on flight bookings.

Welcome Offer

You may be eligible for as high as 100,000 Membership Rewards® Points

Annual Fee

$325

Rec. Credit Score

Good

Good For

Frequent diners and grocery shoppers

How to Apply Estimate your value

Terms Apply. For rates and fees of American Express® Gold Card, please visit the American Express website.

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

The Hotel Collection requires a minimum two-night stay.

Overview

Is the American Express® Gold Card worth it?

This card is great for...

Frequent dining and grocery spending

Monthly dining and Uber credits

Flight bookings and travel rewards

For anyone with significant food expenses, the American Express® Gold Card easily justifies its $325 annual fee. Earning 4x points at restaurants worldwide and U.S. supermarkets turns routine household spending into high-value Membership Rewards points, while 3x points on flights adds genuine utility for annual trips.

The math works out especially well if you take advantage of the card's built-in perks, which include up to $120 in Uber Cash ($10 a month for U.S. Uber Eats orders and Uber rides once the card is added to the Uber app), $120 in dining credits, $100 in Resy credits, and $84 at Dunkin' annually. If these services already fit your routine, the credits can more than offset the cost of membership. However, if you prefer straightforward rewards without monthly use-it-or-lose-it credits, a lower-maintenance card may be a better match.

MaxRewards Verdict

This card offers tremendous value for households that spend heavily on dining and groceries and can regularly use its monthly credits. Those who dislike tracking periodic credits may find the annual fee harder to justify.

Welcome Offer

You may be eligible for as high as 100,000 Membership Rewards® Points

after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

Est. Value

$1,500

Required Spend

$8,000

Time Frame

6 Months

Est. Value

$1,500

Required Spend

$8,000

Time Frame

6 Months

Earning

Rewards

Earn flexible Membership Rewards points with bonus categories tailored to daily food purchases and airfare.

CategoryRate

Prepaid Hotel Stays (AmexTravel.com or Amex Travel App™)

7.5%

Restaurants (Worldwide)

Up to $50,000 spend per year

U.S. Supermarkets

Up to $25,000 spend per year

Flights (AmexTravel.com, Amex Travel App™), Flights (Direct From Airlines)

4.5%

Prepaid Car Rentals (AmexTravel.com), Cruises (AmexTravel.com)

All Other Eligible Purchases

1.5%

Rewards percent based on a valuation of 1.5¢ per Membership Rewards point

Annual Credits & Perks

Benefits

A curated set of monthly statement credits and travel protections helps chip away at the annual fee while offering peace of mind on the road.

BenefitAnnual value

$120

$100

$84

Enrollment is required for select benefits.

Automatically track your credits with MaxRewards

Our app automatically tracks valuable credits so you don't miss any rewards.

Get the app

$120 Dining Credit

Autotracked

of $10Every month

Benefits

Insurance

Purchase Protection

Dropped Your Phone? Sometimes the unexpected happens. But Purchase Protection can help protect Covered Purchases for up to 90 days from the Covered Purchase date made on your Eligible Card when they're accidentally damaged, stolen, or lost. Up to $10,000 per Covered Purchase, up to $50,000 per calendar year.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

Extended Warranty

When you use your Eligible Card to make a Covered Purchase, you can get up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions. Please read important exclusions and restrictions.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

Baggage Insurance Plan

Can provide coverage for lost, damaged or stolen Baggage when traveling on a Common Carrier Vehicle (e.g. plane, train, ship or bus) when the Entire Fare has been charged to your Eligible Card. Coverage limits apply. Please read important exclusions and restrictions.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

Car Rental Loss and Damage Insurance

Car Rental Loss and Damage Insurance can provide coverage for Damage to or Theft of a Rental Vehicle in a Covered Territory when You use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter. Please read important exclusions and restrictions. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

Trip Delay Insurance

If you purchase a round-trip entirely with your Eligible Card and a covered reason delays your trip more than 12 hours, we may be able to help. Terms, conditions and limitations apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

Benefits

Status & Access

The Hotel Collection

With over 1,400 hotels across the world, you can enjoy an unforgettable trip without compromising on quality or value when you book a stay with The Hotel Collection through AmexTravel.com or the Amex Travel App™.

Amex Special Ticket Access

Card Members can access Amex Presale Tickets and Amex Reserved Tickets to select can’t-miss events and moments across sports, music, and more. Plus, Card Members can enjoy additional perks when attending select events. While supplies last, not all seats may be offered.

Hertz Five Star Status

Enjoy Hertz Five Star Status, compliments of your American Express Gold Card. Enrollment required.

Eligibility

Recommended Minimum Credit

Min: Good

Poor

Fair

Good

Excellent

Good credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing

Rates & Fees

Annual Fee

$325

Purchase APR

See Pay Over Time APR

Cash Advance APR

28.99%

Variable

Foreign Transaction Fee

None

Balance Transfer

N/A

Cash Advance

Either $10 or 5% of the amount of each cash advance, whichever is greater.

Late Payment

Up to $40

For rates and fees of American Express® Gold Card, please visit the American Express website.

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

MaxRewards may receive a commission from card issuers. Some or all of the card offers that appear on MaxRewards are from advertisers and may impact how and where card products appear on the site. MaxRewards does not include all card companies or all available card offers. Compensation may be earned when a customer clicks on a link, when an application is approved, or when an account is opened.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Recognition

Featured in

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The Business Platinum Card® from American Express

You may be eligible for as high as 300,000 Membership Rewards® Points

Worth $4,500

After spending $20,000 in eligible purchases on your new Card in your first 3 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.

5Xpoints on flights and prepaid hotels on AmexTravel.com
2Xpoints on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per Card account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. Effective February 17, 2027, select merchants only. See terms.
1Xpoints on other eligible purchases

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply. For rates and fees of The Business Platinum Card® from American Express, please visit the American Express website.

American Express® Business Gold Card

You may be eligible for as high as 200,000 Membership Rewards® Points

Worth $3,000

After spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.

4XMembership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
3XMembership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.

Annual Fee

$375

Rec. Credit

Good

View card details

Terms Apply. For rates and fees of American Express® Business Gold Card, please visit the American Express website.

American Express Platinum Card®

You may be eligible for as high as 175,000 Membership Rewards® Points

Worth $2,625

After spending $12,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

5XMembership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings.
5Xpoints on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
1Xpoints on other eligible purchases.

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply. For rates and fees of American Express Platinum Card®, please visit the American Express website.

American Express® Gold Card

Welcome Offer

You may be eligible for as high as 100,000 Membership Rewards® Points

Annual Fee

$325

Rec. Credit Score

Good

Good For

Frequent diners and grocery shoppers

How to Apply Estimate your value

Terms Apply. For rates and fees of American Express® Gold Card, please visit the American Express website.