The American Express Gold Card is built for heavy spenders on dining and groceries who want to earn flexible travel rewards on everyday food purchases. It functions as a powerful hybrid card for food lovers who take a few flights a year and can comfortably use its mix of monthly and annual dining credits.
All information about American Express® Gold has been collected independently by MaxRewards. American Express® Gold is no longer available through MaxRewards.
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
High supermarket and restaurant spend
Monthly dining and ride credits
Flexible travel rewards
The American Express Gold Card is worth its $325 annual fee if you spend heavily on food and naturally use its built-in credits. Between the $120 Uber Cash, $120 dining credit, $100 Resy credit, and $84 Dunkin' credit, you can completely offset the annual fee before factoring in any points earned from its 4x reward categories.
For households that do not frequently order delivery or dine out at partner restaurants, managing these monthly credits can feel tedious. If you prefer a simple cash-back setup or want broad travel perks like lounge access without category restrictions, a flat-rate card or dedicated travel card is likely a better fit.
The card is a powerful fit for households spending heavily on dining and groceries, provided they regularly use its monthly partner credits to outweigh the $325 annual fee.
Welcome Offer
after you spend $8,000 on purchases on your new card in your first 6 months of card membership.
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
Earning Membership Rewards points, the card delivers some of the highest return rates available for food purchases alongside solid earnings on flights.
Dining
Up to $50,000 spend per year
Grocery
Up to $25,000 spend per year
Air Travel (amextravel.com)
Airline
Car Rental (amextravel.com)
Cruise (amextravel.com)
Hotel (amextravel.com)
Everywhere
Rewards percent based on a valuation of 1.5¢ per Membership Rewards point
Annual Credits & Perks
A suite of recurring statement credits helps offset the annual fee, complemented by travel protection features and car rental coverage.
Enrollment is required for select benefits.
Our app automatically tracks valuable credits so you don't miss any rewards.
$120 Uber Cash on GoldBenefits
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.
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.
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.
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.
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.
Benefits
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
Excellent 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
Annual Fee
$325
Purchase APR
19.49% - 28.49%
Variable
Cash Advance APR
28.74%
Variable
Foreign Transaction Fee
None
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Recognition
175,000 Points
Worth $2,625
After you spend $12,000 on purchases on your new card in your first 6 months of card membership.
Annual Fee
$895
Rec. Credit
Excellent
Terms Apply.
200,000 Skymiles
Worth $2,400
After you spend $20,000 on purchases on your new card in your first 6 months of card membership.
Annual Fee
$650
Rec. Credit
Excellent
Terms Apply.
150,000 Points
Worth $2,250
After you spend $20,000 on purchases on your new card in your first 3 months of card membership.
Annual Fee
$895
Rec. Credit
Good
Terms Apply.
