Gold
- Annual fee
- $325
- Network
- amex
- Type
- personal
Earn 4X points at restaurants worldwide (up to $50,000 per year) and U.S. supermarkets (up to $25,000 per year), 3X points on flights booked directly or via Amex Travel, and 1X points on all other purchases.
Heads up: Rates, fees, and welcome offers below are pulled directly from the issuer and refreshed continuously. Confirm final terms on the issuer site before applying.
Three ways to value this card. Only one of them is yours.
What the issuer advertises.
Pays out with no hoops.
$424 of the advertised value — 100% — comes with strings attached.
- $424 advertised across 4 benefits.
- $424 (100%) needs a booking, enrollment, or deadline.
- Biggest credit — $120 Uber Cash, $120 — comes with conditions.
- No-hoops value covers 0% of the annual fee.
- You'll actually use $120 Uber Cash.
- 4× on dining matches your spend.
- You won't use $120 Uber Cash.
- You want the fee covered without chasing — $325 short.
- You'd forget monthly credits.
Welcome offer
Get $200 back when you apply, are approved, and spend $1,500 in the first 3 months.
- Est. value
- $120
- Minimum spend
- $1,500
- Within
- 3 mo
Earning rates
- All other purchasesOn all other eligible purchases1×ptsAmex Membership Rewards
- Top earnDiningAt restaurants worldwide, plus takeout and delivery in the U.S., up to $50,000 per calendar year (then 1x)4×ptsAmex Membership Rewards
- Top earnGroceriesAt U.S. supermarkets, up to $25,000 per calendar year (then 1x)4×ptsAmex Membership Rewards
- FlightsBooked directly with airlines or on amextravel.com3×ptsAmex Membership Rewards
- TravelPrepaid hotels and other eligible travel booked through AmexTravel.com2×ptsAmex Membership Rewards · Amex Travel
On-card benefits & credits
- $100 Resy Credit$50/Annual
Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants. That’s up to $50 in statement credits from January through June and up to $50 from July through December.
- $120 Uber Cash$10/Monthly
Get $10 in Uber Cash each month when you add your Gold Card to your Uber account. Can be used on U.S. rides or eats.
- $120 Dining Credit$10/Monthly
Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at participating partners like Grubhub, Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder.
- $84 Dunkin' Credit$7/Monthly
Earn up to $7 in monthly statement credits after you pay with the Gold Card at U.S. Dunkin' locations.
- The Hotel Collection $100 Credit$0/As needed
$100 credit toward eligible on-property charges per qualifying stay of two nights or more booked with The Hotel Collection through AmexTravel.com. Per booking — counted only when realized, not as recurring annual value.
- Car Rental Loss and Damage Insurance$0/Annual
Secondary coverage may apply to damage to or theft of a rental vehicle when the entire rental is reserved and paid with the eligible card and the rental company's collision damage waiver is declined. Liability coverage is excluded, and geographic and vehicle restrictions apply.
- Trip Delay Insurance$0/One-time
Reimburses certain additional expenses if a round-trip is paid for entirely with your card and delayed by a covered reason for more than 12 hours. Max 2 claims per 12 months.
- No Foreign Transaction Fees$0/Annual
The card charges no foreign transaction fees on purchases abroad.
- Amex Special Ticket Access$0/Annual
Access Amex Presale Tickets and Amex Reserved Tickets for select sports, music, and other events, plus possible additional perks at select events. Availability is limited.
- Global Assist Hotline$0/Annual
Provides 24/7 emergency assistance and coordination when traveling more than 100 miles from home, including medical and legal referrals, emergency cash wires, and missing-luggage assistance. The cardholder pays third-party provider costs.
- Hertz Five Star® Status$0/Annual
Complimentary upgrade to Hertz Five Star Status.
- American Express Venue Collection$0/Annual
At select stadiums and arenas, cardmembers can use dedicated entrances or fast lanes. After enrollment, the card also earns 10% back on qualifying concessions purchases, capped at $250 per calendar year.
- Extended Warranty$0/One-time
Provides up to one extra year added to original manufacturer warranties of 5 years or less. limit $50,000 per year.
- Baggage Insurance Plan$0/Annual
Coverage may apply to lost, damaged, or stolen baggage when the entire common-carrier fare is purchased with an eligible card. Limits include up to $1,250 for carry-on baggage and $500 for checked baggage, in excess of carrier coverage.
- Purchase Protection$0/One-time
Protects covered purchases against accidental damage, theft, or loss for up to 90 days. limit $50,000 per year.
Other American Express cards
Is the Gold right for your spend?
Drop in your typical monthly spend and we'll show exactly how much this card would earn you — plus how it stacks up against your current wallet.