Last Updated on February 12, 2024 by Archie Biggs

BEST FOR INTERNATIONAL DINING AND TRAVEL

60,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on the new Card within the first 6 months of Card Membership.† This offer may not be available if you leave this web page and return later

Card Details

Maximize your Love of Dining
4X Membership Rewards® Points
$120 Dining Credit
  • Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • Select “Apply Now” to learn more about the product features, terms and conditions
  • View Rates and Fees

American Express® Gold Card Details

Intro Offer Rewards Rate Regular APR Annual Fee Credit Needed
Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.

Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X

Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

21.24% to 29.24% variable APR $250 Good, Excellent

How the American Express® Gold Card Stacks Up

Pros

Cons

Travel and shopping protections

The American Express Gold Card delivers High travel rewards rates on dining and groceries

Bonus credits

The Card offers Annual bonus credits (worth up to $340) include dining and hotel credits

$250 Annual Fee

For some people, it may be hard to justify the $250 annual fee if you don’t take full advantage of all the features and perks of the card

4X Membership Rewards® Cap

This card has an annual cap on the 4X Membership Rewards® points when visiting Supermarkets in the United States.

 

Travel Rewards

This card offers High travel rewards rates on dining and groceries

Points & Rewards

The American Express Gold Card offers several useful features: No Blackout dates, points don’t expire and you can transfer points to multiple airline partners. Plus, you can redeem your points for travel, shopping, gift cards, merchandise or entertainment.

3X-point Travel Rewards Restriction

The 3X-point travel rewards only apply to flights booked directly with airlines or through American Express Travel

Lounge Access

This card does not offer lounge access as some other premium travel cards do.

Bottom Line

The American Express Gold Card offers high rewards rates on key spending categories like U.S. supermarkets and restaurants, making it a great option for everyday spending. Cardmembers earn 3X points on flights booked directly with airlines or through amextravel.com, 4X points at restaurants, and 4X points at U.S. supermarkets up to $25,000 in purchases per calendar year (then 1X). The card also includes an introductory offer of 60,000 points after spending $6,000 in the first six months, an up to $120 annual dining credit, and no foreign transaction fees. The card is considered one of the best travel rewards cards with valuable food and travel perks, making it ideal for big spenders who can afford its $250 annual fee.

 

5Smart Score
Smart Wealth Management's Review

Read our full American Express® Gold Card Review
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Our SMART SCORE is based on a variety of factors in which the credit
card issuers have no input or influence on how we rate credits cards listed on our site.