American Express Gold Gemini Gemini Credit Card
American Express Gold
$325/yr
Gemini Credit Card
$0/yr
Every $1 · two cards
American Express Gold earns more in 6 of 9 categories · Gemini Credit Card in 2
- Dining4×8¢ per $1
up to $50,000/yr
1%1¢ per $1 - Groceries4×8¢ per $1
up to $25,000/yr
2%2¢ per $1 - Gas1×2¢ per $14%4¢ per $1
up to $300/mo
- Flights3×6¢ per $11%1¢ per $1
- Hotels5×10¢ per $1
via amextravel.com
1%1¢ per $1 - Everything else1×2¢ per $11%1¢ per $1
Value per $1 uses the same point values as Discover Value: cash back at face value, points at Perqt's value for each program. Rates that apply all the time are shown, with caps and booking sites named; limited-time, spend-threshold and pick-one bonuses are in each card's full review. Annual fees and welcome offers are not counted here.
Fees, welcome offers & benefits
American Express
Gold
- Annual fee
- $325
- Network
- amex
- Welcome value
- —
- Min spend
- $8,000 / 6mo
Top earning rates
- 5×Prepaid hotels · Membership Rewards
- 4×US supermarkets · Membership Rewards
- 4×Restaurants worldwide · Membership Rewards
- 3×Flights · Membership Rewards
Key benefits
- The Hotel Collection $100 Credit · $100
- $100 Resy Credit · $50
- $120 Dining Credit · $10
- $120 Uber Cash · $10
- $84 Dunkin' Credit · $7
Gemini
Gemini Credit Card
- Annual fee
- $0
- Network
- mastercard
- Welcome value
- —
- Min spend
- —
Top earning rates
- 10×The Internet’s Favorite Brands
- 4×Gas, EV charging, transit, taxis & rideshare
- 2×Groceries
- 1×Everything else
Key benefits
- Instacart $10 Off Second Order · $10
- Lyft Take 3, Get $5 · $5
- Peacock $3 Monthly Credit · $3
- Mastercard Transit Benefit · $3
- Mastercard Golf · $0
Wondering which one is right for your wallet?
Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.
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