The American Express Gold Card

Earn 4X Membership Rewards points on dining worldwide and U.S. supermarkets, plus enjoy valuable annual credits and travel perks.

CREDIT CARD

American Express Gold

Earn 90,000 Membership Rewards No foreign transaction fees

SEE HOW TO APPLY You will remain on the current site

Overview of Benefits

The American Express Gold Card is tailored for individuals who prioritize dining and travel in their spending habits. Key features include:

• 4X Membership Rewards points at restaurants worldwide, including takeout and delivery services.
• 4X points at U.S. supermarkets on up to $25,000 per year in purchases.
• 3X points on flights booked directly with airlines or through amextravel.com.
• 1X point on other eligible purchases.
• $120 Uber Cash: $10 in Uber Cash each month for U.S. Uber Eats orders or Uber rides when the card is added to your Uber account.
• $100 Hotel Credit: When booking through The Hotel Collection with a minimum two-night stay, receive a $100 experience credit for qualifying charges.

How It Works

Upon approval, cardholders can start earning Membership Rewards points immediately. These points can be redeemed for travel, dining, shopping, or transferred to various airline and hotel loyalty programs. 

The card’s high earning rates on dining and supermarket purchases make it especially valuable for food enthusiasts and frequent travelers. Additionally, the annual credits can offset the card’s annual fee when utilized effectively.

Comparative Table: Amex Gold Card vs. Competitors

Primary Use Cases

This card is ideal for individuals who:

• Frequently dine out or order takeout and delivery.
• Spend significantly at U.S. supermarkets.
• Travel often and book flights directly with airlines or through Amex Travel.
• Can take advantage of the annual dining and Uber credits.

For example, a food enthusiast who enjoys exploring new restaurants and also cooks at home using groceries from U.S. supermarkets can maximize the 4X points earning potential.

Cost vs. Value

With an annual fee of $325, the Amex Gold Card offers substantial value through its rewards structure and annual credits. By utilizing the $120 Dining Credit and $120 Uber Cash annually, cardholders can effectively offset $240 of the annual fee. 

Additionally, the high earning rates on dining and supermarket purchases can lead to significant Membership Rewards points accumulation, which can be redeemed for travel, gift cards, or transferred to partner loyalty programs for potentially greater value.

Final Thoughts: Is It Worth It?

The American Express Gold Card stands out for those who prioritize dining and travel in their spending. Its generous rewards rates, combined with valuable annual credits and travel perks, make it a compelling choice despite the higher annual fee. 

If your spending habits align with the card’s bonus categories and you can utilize the offered credits, the Amex Gold Card can provide exceptional value and elevate your rewards earning potential.

Ready to maximize your rewards on dining and travel? In Page 2, we’ll delve into advanced strategies, FAQs, and tips to help you get the most out of your American Express Gold Card.