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American Express® Gold Card

American Express® Gold Card
See Rates & Fees, Terms Apply

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Our rating:4.5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Good to Excellent

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Intro Bonus
60,000 pointsEarn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
Reward Rates
4XEarn 4X Membership Rewards® Points at Restaurants, including takeout and delivery.
4XEarn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
3XEarn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
Balance Transfers Intro APR
N/A
Purchases Intro APR
N/A
Regular APR
See Pay Over Time APR
Annual Fee
$250

Great for:

Rewards at restaurants. Ideal for the avid foodie, this card allows you to earn sizable Membership Rewards points at restaurants, as well as at U.S. supermarkets. If you are a frequent traveler who often chooses a different airline, there are also strong ongoing rewards for flights booked directly with airlines or amextravel.com.

See more of the best rewards credit cards.

Highlights

  • Rose Gold is back. You can now choose between Gold or Rose Gold.
  • Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
  • Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, 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: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • Get up to 12 complimentary months of an Uber Eats Pass subscription when you enroll with your Gold Card by 12/31/21.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.

Features

  • Airline
    Airline
  • Auto Rental Insurance
    Auto Rental Insurance
  • Dining
    Dining
  • Editor's Pick
    Editor's Pick
  • EMV
    EMV
  • Excellent Credit
    Excellent Credit
  • Extended Warranty Program
    Extended Warranty Program
  • Free Credit Score
    Free Credit Score
  • Good Credit
    Good Credit
  • Lost Luggage Reimbursement
    Lost Luggage Reimbursement
  • Mobile Pay Ready
    Mobile Pay Ready
  • No Foreign Transaction Fees
    No Foreign Transaction Fees
  • Points
    Points
  • Popular
    Popular
  • Presale Tickets
    Presale Tickets
  • Purchase Protection
    Purchase Protection
  • Rewards
    Rewards
  • Travel
    Travel
  • Travel Assistance
    Travel Assistance
  • Zero Fraud Liability
    Zero Fraud Liability

Staff Review

Editor's Rating:

4.5 out of 5

Our take: The annual fee is pricey, but if you’re searching for the most rewarding card for food purchases, the American Express Gold Card may be your best option. See if you’re prequalified for the American Express® Gold Card with CardMatch™`

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All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.