American Express® Gold Card
The American Express® Gold Card is one of the most versatile and rewarding cards for foodies, frequent travelers, and everyday spenders who want to get the most out of their purchases. It's stylish, powerful, and packed with value. Especially if you dine out often or spend big at U.S. supermarkets.
You’ll start strong with a welcome offer of 60,000 Membership Rewards® points after spending $6,000 in your first 6 months. Those points are incredibly flexible, with high value when transferred to Amex's travel partners or redeemed for flights, hotels, or experiences through the Amex Travel portal.
What makes the Gold Card really shine is how it earns: 4x points at restaurants (including takeout and delivery in the U.S.), 4x points at U.S. supermarkets (on up to $25,000 per year, then 1x), 3x points on flights booked directly with airlines or through Amex Travel, and 1x on everything else.
On top of that, the card includes up to $120 in annual dining credits at select partners like Grubhub, The Cheesecake Factory, and more (up to $10 per month) and up to $120 in Uber Cash annually (up to $10 per month), which helps offset the $250 annual fee.
While it doesn’t include airport lounge access like the Platinum Card, the Gold Card is more approachable and still delivers incredible travel value. It also includes baggage insurance, car rental loss and damage insurance, and no foreign transaction fees.
If your spending centers around food, flights, and everyday essentials, this card will reward you generously. It’s the perfect middle ground between luxury and practicality, offering meaningful rewards without overcomplicating your wallet.
Benefits
- 4x points at restaurants, including takeout & delivery in the U.S.
- 4x points at U.S. supermarkets (up to $25k per year)
- 3x points on flights booked directly or through Amex Travel
- 1x point on other eligible purchases
- Up to $120 in dining credits annually
- Up to $120 in Uber Cash annually
- No foreign transaction fees
- Car rental and baggage insurance
Earning Rates
Earn 4x points at restaurants, including takeout and delivery in the U.S.
Earn 4x points at U.S. supermarkets, on up to $25,000 per year.
Earn 3x points on flights booked directly with airlines or through Amex Travel.
Earn 1x points on all other eligible purchases.
Why is this Card for you?
Get it if: You spend big on dining and groceries and want valuable points and perks without a premium fee
Consider other options if: You want luxury travel benefits like lounge access or rarely use food delivery and rideshare apps
This card is ideal for food lovers, city dwellers, and anyone who spends heavily on dining and groceries. It’s also great for travelers who want strong rewards without the high annual fee of premium travel cards. You'll earn valuable points on the things you already buy the most—dining, groceries, and flights—while enjoying practical perks that add real-world value every month. For everyday users who love food and travel, this card hits the sweet spot.
