American Express Gold Card
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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
View OfferYou may be eligible for as high as 100,000 Membership Rewards Points after spending $8,000 in eligible purchases on your new Card in your first 6 months.
Benefits and fees last verified Jun 2026against the issuer's published terms.
The ultimate foodie card, earning bonus points at restaurants worldwide and at U.S. supermarkets. Plus over $400 in easy-to-use statement credits make the annual fee a no-brainer.
Earning Rates
At a glance
- 4x on restaurants worldwide
- 4x on U.S. supermarkets
- $120 dining credit
- $120 Uber Cash
Important considerations
- Annual fee to offset
This card carries a $325 annual fee. Make sure the credits and bonus categories you will actually use are worth more than that every year.
- High spend to earn the bonus
You must spend $8,000 within 6 months to earn the welcome bonus, which can be a stretch for lighter spenders.
Based on this card's terms last verified Jun 2026.
Earning rates
7- 4xdiningup to $50,000/yr
4X Membership Rewards points per dollar at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X after the cap (per the Amex Gold issuer product page)
- 4xgroceriesup to $25,000/yr
4X Membership Rewards points per dollar at U.S. supermarkets, on up to $25,000 in purchases per calendar year, then 1X after the cap (per the Amex Gold issuer product page)
- 5xlodging
5X Membership Rewards points per dollar on prepaid hotels booked through AmexTravel.com or the Amex Travel App (no calendar-year cap disclosed by Amex)
- 3xflights
3X Membership Rewards points per dollar on flights booked through AmexTravel.com or the Amex Travel App, AND on flights booked directly with airlines (no calendar-year cap disclosed by Amex)
- 2xlodging
2X Membership Rewards points per dollar on prepaid car rentals through AmexTravel.com or the Amex Travel App, and on cruises booked and paid through AmexTravel.com
- 1xeverything else
1X Membership Rewards points per dollar on all other eligible purchases
- 2xlodging
Complimentary Hertz Five Star elite status (skip the counter at select locations, free additional driver, vehicle upgrades when available), and 2X points on prepaid car rentals through AmexTravel.com or the Amex Travel App; benefit enrollment and Hertz Gold Plus Rewards registration required (per the Amex Gold issuer product page)
Statement credits
9- $120Uber CashMonthly
$10/month in Uber Cash for Uber Eats or rides
- $120Dining CreditMonthly
$10/month at select restaurants (Grubhub, Seamless, Buffalo Wild Wings, Five Guys, The Cheesecake Factory, Wonder)
- $100Resy CreditTwice a year
$50 in statement credits Jan-Jun and again Jul-Dec at U.S. Resy restaurants. $100 annual cap.
- $84Dunkin' CreditMonthly
Up to $7/month in statement credits at U.S. Dunkin' locations
- $120$120 annual Dining Credit, delivered as up to $10 in monthly statement credits when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder; monthly credit does not roll over; enrollment required (per the Amex Gold product page; partner list updated by Amex from the prior Goldbelly/Wine.com/Milk Bar list)
- $120$120 annual Uber Cash, delivered as $10 in Uber Cash each month (added to your Uber account, not a statement credit) once you add the Gold Card to your Uber account; usable on Uber rides and Uber Eats in the U.S. when an Amex Card is the payment method on the transaction; expires monthly
- $100$100 annual Resy Credit, delivered as up to $50 in statement credits January through June and up to $50 in statement credits July through December at over 10,000 qualifying U.S. Resy restaurants; enrollment required (per the Amex Gold issuer product page)
- $84$84 annual Dunkin' Credit, delivered as up to $7 in monthly statement credits at U
$84 annual Dunkin' Credit, delivered as up to $7 in monthly statement credits at U.S. Dunkin' locations; enrollment required (per the Amex Gold issuer product page)
- Amex Offers
Amex Offers: targeted statement credit and bonus point offers loaded to the card from merchants like Hilton, Sonos, Saks, Best Buy, and many others; offers are personalized and rotate frequently (no flat dollar value is guaranteed; cited as a meaningful incremental benefit in OMAAT and Upgraded Points reviews)
Perks & memberships
5- Authorized users$325 annual fee for the basic Card; first 5 Additional Cards have a $0 annual fee, the sixth and beyond are $35 each
- No foreign feesNo foreign transaction fees on purchases made outside the United States (per the Amex Gold issuer product page)
- ExperiencesSend & Split inside the American Express App: split Amex purchases with Venmo or PayPal users with payouts back to your Card as a statement credit, with no standard Venmo or PayPal credit card fee; add Additional Cards for anyone age 13 or older that earn Membership Rewards points at the same rates as the primary
- Lounge accessAmerican Express App: card management, real-time alerts, Amex Offers enrollment, lounge finder, payment, and benefits enrollment; required surface for activating most Gold Card credits (Uber, dining, Resy, Dunkin', Hertz Five Star)
- ExperiencesCardmember access to the Amex pre-sale and reserved ticket programs (Card Member Presale tickets and Reserved by American Express for select concerts, sporting events, and theater); availability varies by event and is run through ticketmaster.com and Amex's events page
Travel & purchase protections
5- Trip Delay Insurance: if a round-trip is paid for entirely with the Gold Card and a covered reason delays your trip more than 12 hours, reimburses certain additional expenses up to $300 per trip, maximum 2 claims per eligible card per 12-month period (per the Amex Gold issuer product page)
- Baggage Insurance Plan: when you pay the entire fare for a common carrier ticket (plane, train, ship, or bus) on the Gold Card, coverage up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of any coverage from the common carrier; New York State residents have a $10,000 aggregate maximum limit per covered trip (per the Amex Gold issuer product page)
- Global Assist Hotline: 24/7 emergency assistance and coordination services when traveling more than 100 miles from home, including medical and legal referrals, emergency cash wires, and missing luggage assistance; cardholder is responsible for the actual costs charged by third-party service providers (per the Amex Gold issuer product page)
- Purchase Protection: covers eligible purchases for up to 90 days from the purchase date when accidentally damaged, stolen, or lost; up to $10,000 per covered purchase, up to $50,000 per calendar year (per the Amex Gold issuer product page)
- Extended Warranty: adds up to one extra year to the original manufacturer's U.S. warranty on warranties of 5 years or less; coverage up to the amount charged to the card for the item, maximum $10,000 per item and not to exceed $50,000 per card account per calendar year (per the Amex Gold issuer product page)
Before you decide, weigh alternatives
Lower-fee cards in the same category. A cheaper card can be the better fit if you will not use enough perks to earn back a bigger fee.
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Transfer Partners
Full guide →Amex Membership Rewards points transfer to these loyalty programs. Or start from your balance and see what a points balance can book:
How to Earn the Bonus
Spend $8,000 in the first 6 months to earn the 100,000 points bonus.
See the Current Offer
Earn 100,000 points
View OfferAffiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
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