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Earn up to 70,000 bonus points with American Express Gold Cards

The American Express Gold Card and American Express Business Gold card come with rewarding welcome offers

Summary

If you’ve been thinking to apply for the American Express® Gold Card, now might be a great time.

The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs.

Some of the offers below are no longer available and may be out of date.

The American Express® Gold Card comes with some of the best rewards available on food purchases, offering 4 points per dollar at restaurants and U.S. supermarkets (on up to $25,000 in purchases annually, then 1 point), 3 points per dollar on flights booked directly with airlines or amextravel.com and 1 point per dollar on other purchases. New cardholders also have an opportunity to snag a generous welcome bonus: American Express is now offering 60,000 points for spending $4,000 in the first six months.

Small business owners have a great option too: The American Express® Business Gold Card is as rewarding as its consumer counterpart, but with an earning rate more targeted to business spending. Cardholders earn 4 points per dollar on the two categories where their business spends the most each billing cycle (on up to $150,000 in purchases per year, then 1 point per dollar) and 1 point per dollar on all other purchases. And Membership Rewards lovers can snag an even more generous limited time bonus – 70,000 points after spending $10,000 on eligible purchases in the first three months. Plus, you can earn up to $300 in statement credits for eligible U.S. advertising and shipping purchases.

See Related: Best American Express card

What are the American Express Gold Cards worth in the first year?

The American Express Gold Card can provide a lot of value, offering generous rewards rates and annual credits travelers and foodies will appreciate, including a $100 activity credit on vacations over $3,000, a $120 dining credit and up to $120 in Uber Cash per year ($10 per month). The Business Gold Card, on the other hand is packed with benefits that make it easier to manage your business spending.

American Express® Gold Card

American Express® Gold Card

American Express® Business Gold Card

American Express® Business Gold Card

Rewards rate
  • 4 points per dollar at restaurants (including Uber Eats purchases)
  • 4 points per dollar at U.S. supermarkets (on up to $25,000 in purchases per calendar year, then 1 point per dollar)
  • 3 points per dollar on flights booked directly with airlines or amextravel.com
  • 1 point per dollar on other purchases
  • Terms apply
  • 4 points per dollar on the two categories your business spends the most in each billing cycle (first $150,000 in purchases yearly, then 1 point per dollar)
  • 1 point per dollar on other purchases
  • Terms apply
Introductory bonus60,000 points if you spend $4,000 in first 6 months
  • Limited time offer of 70,000 points when you spend $10,000 in first 3 months
  • Up to $300 in statement credits on eligible U.S. advertising and shipping purchases
Annual fee$250$295
Other benefits
  • Up to $120 dining credit per year at participating restaurants, including Grubhub and The Cheesecake Factory
  • Up to $120 in Uber Cash per year ($10 credits per month), valid on rides and Uber Eats orders when your Gold card is added to the Uber app
  • Complimentary Uber Eats Pass for up to 12 months when you enroll by Dec. 31, 2021 (Uber Eats Pass will auto-bill starting 12 months from initial enrollment in this offer, at then-current monthly rate)
  • Up to $100 credit on eligible stays with The Hotel Collection
  • 25% points back on eligible flights booked with American Express Travel (up to 250,000 points back per year)
  • Set limits on employee cards, track spending and other business management tools
  • Access to Working Capital Terms for flexible financing

Recent changes to the American Express Gold Card

This is the first time the Amex Gold card has offered such a generous welcome bonus. In the past, Amex Gold only offered up to 35,000 points, unless you received an elevated targeted offer – for instance, via CardMatch™.

Now you can earn 25,000 more for spending the same amount as in the previous offer, and you have twice the time to meet the spending requirement.

American Express Gold Card recent changes

Oct. 15, 2020
  • 60,000 points if you spend $4,000 in first 6 months
Previous
  • 35,000 points if you spend $4,000 in first 3 months

Recent changes to the American Express Business Gold Card

The Business Gold Card is also offering a bonus much higher than it traditionally does, though the spend threshold is more difficult to reach.

American Express Business Gold Card recent changes

Feb. 11, 2021
  • Limited time offer of 70,000 points if you spend $10,000 in first 3 months
  • Up to $300 in statement credits on eligible U.S. advertising and shipping purchases
Previous
  • 35,000 points if you spend $5,000 in first 3 months

Who is eligible for the introductory offer?

American Express is pretty strict on who can qualify for a welcome bonus. If you currently or have ever owned an American Express Gold Card or American Express Premier Rewards Gold Card, you don’t qualify for the offer on the American Express Gold Card. The same goes for the Business version of the card – if you’ve ever earned a welcome bonus on the same product, you won’t be eligible for the new offer.

Note, these offers are currently being promoted on sites like CreditCards.com, but you might see a different bonus if you apply via the Amex site.

Best ways to use your American Express Gold Card introductory bonus

One of the great things about American Express points is the wide variety of redemptions options available, from statement credits or gift cards to airline tickets. Your points value can shift depending on what you redeem them for, so we’ve put together a chart to show you just how your up to 70,000 point bonus stacks up with each option. As you’ll see, you can get the most out of your rewards by booking airfare through the Membership Rewards portal.

Redemption options for American Express Gold Cards

Redemption optionPoint value (cents)
Airfare on amextravel.com1
Upgrade flight with points1
Gift cardsUp to 1
Amazon purchases0.7
Charitable donations through JustGiving0.7
Other amextravel.com purchases0.7
Shopping partner purchases (Best Buy, Grubhub, Walmart and more)0.7
Statement credit0.6
Merchandise0.5
Ticketmaster purchases0.5
Excise tax offset fee (for transfer to domestic travel partners)0.5

Transfer options with the American Express Gold Cards

Along with the redemption options listed above, the American Express Gold Card allows cardholders to transfer their points to one of 22 travel partners.

When you transfer your points to a domestic airline partner, you’ll be charged an excise tax offset fee of 0.06 cents per point. You have the option to pay it either as a charge on your monthly bill or with points. But as you can see from the redemption chart, you’ll lose half your point value if you choose to use Membership Rewards points to cover the fee, so it is in your best interest to pay it outright.

When done strategically, transferring your American Express rewards points allows you to extract even more value out of your up to 70,000-point introductory bonus. Every American Express point is worth 1 cent, but several of the partner airlines’ points are valued a bit higher. Also, while most of the partner airlines have a 1:1 point transfer ratio, there are a few variations.

Transfer ratioPoint value (including transfer ratio & excise fee)
Singapore KrisFlyer1:12.36
Iberia Plus1:11.7
Aeromexico1:1.61.6
Delta SkyMiles1:11.55
Avianca LifeMiles1:11.5
Aeroplan1:11.5
ANA1:11.48
British Airways1:11.4
JetBlue1.25:11.16
Emirates Skywards1:11.1
Hawaiian Airlines1:11.08
Aer Lingus1:11
Alitalia MilleMiglia1:11
Asia Miles1:11
Etihad Guest1:11
Flying Blue1:11
Qantas1:11
Virgin Atlantic1:10.8
El Al20:10.05
Hilton Honors1:21
Choice Privileges1:10.6
Marriott Bonvoy1:10.8

Should you apply for the American Express Gold Cards now?

If you’re a food lover and looking for a credit card to reward you for eating out and buying groceries, the Gold Card from Amex can be an excellent choice, and now is a great time to apply. The new 60,000-point offer is the largest bonus the card has offered so far, and six months is plenty of time to meet the $4,000 spending requirement.

As for the Business Gold Card, the $10,000 spend requirement in three months might be more difficult to meet, but you’ll be rewarded with an equally generous 70,000 points – more than the card has ever offered.

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

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