American Express® Gold Card

Built for food lovers and frequent home cooks, the American Express Gold Card is a powerful everyday rewards card centered around dining, groceries, and travel. It turns high-frequency food spending into flexible Membership Rewards points that can yield substantial value for active spenders.

Welcome Offer

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

Annual Fee

$325

Rec. Credit Score

Good

Good For

Dining and grocery spenders

How to Apply Estimate your value

Terms Apply.

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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 takeout

U.S. supermarket purchases

Monthly food and ride credits

The American Express Gold Card easily justifies its $325 annual fee for anyone who spends heavily on food. Earning 4x points on up to $50,000 at restaurants worldwide and up to $25,000 at U.S. supermarkets each calendar year positions it as a top earner for everyday expenses. The card also features up to $424 in annual statement credits, including $120 in Uber Cash, $120 in dining credits, $100 in Resy credits, and $84 in Dunkin' credits.

If you naturally use these partner credits every month, the net cost of holding the card drops significantly before counting the points earned. However, if you do not use Uber or visit participating dining locations, managing multiple recurring credits can feel cumbersome, and a simple flat-rate cash-back card might be a better fit.

MaxRewards Verdict

The Amex Gold Card is an outstanding choice for foodies who want top-tier reward rates on dining and groceries, provided they regularly use its monthly partner credits to offset the $325 annual fee.

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

This card earns Membership Rewards points with dominant multipliers on worldwide dining and U.S. supermarkets, plus solid return on flights booked directly or via Amex Travel.

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 collection of monthly and semi-annual statement credits helps offset the annual fee, complemented by valuable travel protections and access to hotel programs.

BenefitAnnual value

$250

$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 Uber Cash on Gold

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.

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

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

19.49% - 28.49%

Variable

Cash Advance APR

28.74%

Variable

Foreign Transaction Fee

None

Balance Transfer

None

Cash Advance

$10

Late Payment

$40

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 Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.

7.5%Flights (amextravel.com), Prepaid Hotels (amextravel.com)
3%U.S. Construction Material & Hardware Suppliers, Electronic Goods Retailers, Software & Cloud System Providers, Shipping Providers, Purchases Of $5,000+
1.5%Other Eligible Purchases

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply.

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.

6%Top Two Eligible Categories
4.5%Flights (AmexTravel.com or Amex Travel App), Prepaid Hotels (AmexTravel.com or Amex Travel App)
1.5%Everywhere

Annual Fee

$375

Rec. Credit

Good

View card details

Terms Apply.

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.