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American Express® Gold Card: Up to 100,000 Points + Big Dining & Grocery Rewards
The American Express® Gold Card is a strong option for people who spend a lot on food, groceries, restaurants, travel, and everyday purchases.
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $8,000 in eligible purchases in your first 6 months of Card Membership.
Welcome offers vary, and you may not be eligible for an offer. You can check if you’re approved and see your exact welcome offer amount with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
The annual fee is $325.
Quick Card Snapshot
| Feature |
Details |
| Welcome Offer |
As high as 100,000 Membership Rewards® Points |
| Spending Requirement |
Spend $8,000 in eligible purchases in 6 months |
| Annual Fee |
$325 |
| Restaurants |
4X points worldwide, up to $50,000 per calendar year, then 1X |
| U.S. Supermarkets |
4X points, up to $25,000 per calendar year, then 1X |
| Prepaid Hotels Through Amex Travel |
5X points |
| Flights |
3X points when booked directly with airlines or through Amex Travel |
| Foreign Transaction Fees |
None |
Why This Card Is Worth Considering
The biggest reason people like the Amex Gold Card is simple:
It earns big rewards in categories many families and busy people use all the time — especially restaurants and U.S. supermarkets.
If you spend often on food, dining, groceries, travel, Uber, Dunkin’, or Resy restaurants, this card can be very rewarding.
The annual fee is $325, so this card makes the most sense if you can actually use the credits and bonus categories.
Main Benefits
🎁 Welcome Offer: You may be eligible for as high as 100,000 Membership Rewards® Points after spending $8,000 in eligible purchases within your first 6 months.
💳 Annual Fee: The annual fee is $325.
🍽️ Restaurants: Earn 4X Membership Rewards® points at restaurants worldwide, up to $50,000 in purchases per calendar year, then 1X.
🛒 U.S. Supermarkets: Earn 4X points at U.S. supermarkets, up to $25,000 in purchases per calendar year, then 1X.
🏨 Prepaid Hotels: Earn 5X points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App.
✈️ Flights: Earn 3X points on flights booked through AmexTravel.com, the Amex Travel App, or directly with airlines.
🚗 Car Rentals & Cruises: Earn 2X points on prepaid car rentals booked through Amex Travel and cruises booked and paid through AmexTravel.com.
💰 Dining Credit: Earn up to $120 per year in dining credits, broken down as up to $10 per month, at participating partners. Enrollment required.
🍴 Resy Credit: Get up to $100 per calendar year in statement credits at qualifying U.S. Resy restaurants — up to $50 semi-annually. Enrollment required.
☕ Dunkin’ Credit: Earn up to $84 per year in statement credits at U.S. Dunkin’ locations — up to $7 per month. Enrollment required.
🚕 Uber Cash: Get up to $120 in Uber Cash annually, with up to $10 per month for U.S. rides or Uber Eats orders after adding your Gold Card to your Uber account.
🚘 Hertz Status: Enjoy complimentary Hertz Five Star® Status. Enrollment and Hertz Gold Plus Rewards registration required.
🏨 Hotel Collection Credit: Get a $100 credit toward eligible charges when booking The Hotel Collection through Amex Travel with a two-night minimum stay.
🌍 No Foreign Transaction Fees: Use the card abroad without foreign transaction fees.
🔒 Check With No Credit Score Impact: See if you’re approved and view your exact welcome offer amount with no credit score impact. If approved and you choose to accept the Card, your score may be impacted.
Points Earning Chart
| Spending Category |
Earn Rate |
| Restaurants worldwide |
4X |
| U.S. supermarkets |
4X |
| Prepaid hotels through Amex Travel |
5X |
| Flights booked directly with airlines or through Amex Travel |
3X |
| Prepaid car rentals through Amex Travel |
2X |
| Cruises booked and paid through Amex Travel |
2X |
| All other eligible purchases |
1X |
Credits Chart
| Credit |
Value |
How It Works |
| Dining Credit |
Up to $120/year
|
Up to $10 per month at participating partners. Enrollment required. |
| Uber Cash |
Up to $120/year
|
Up to $10 per month for U.S. Uber rides or Uber Eats orders. |
| Dunkin’ Credit |
Up to $84/year
|
Up to $7 per month at U.S. Dunkin’ locations. Enrollment required. |
| Resy Credit |
Up to $100/year
|
Up to $50 semi-annually at qualifying U.S. Resy restaurants. Enrollment required. |
| Hotel Collection Credit |
Up to $100
|
For eligible charges on qualifying Hotel Collection stays booked through Amex Travel. Two-night minimum required. |
Is the Spending Requirement Realistic?
To earn the welcome offer, you need to spend $8,000 in eligible purchases in 6 months.
That breaks down to about:
- $1,333 per month for 6 months
This card may be easier to justify if you can use it for regular expenses like:
- groceries,
- restaurants,
- gas,
- travel,
- bills,
- family spending,
- or business-related purchases.
Do not spend extra just to earn points. The best value comes when the spending requirement fits your normal budget.
Who This Card Is Best For
This card may be a good fit if you:
- spend a lot at restaurants,
- spend heavily at U.S. supermarkets,
- want flexible Membership Rewards® points,
- can meet the $8,000 spending requirement,
- use Uber or Uber Eats,
- use Dunkin’, Resy, or the dining credit partners,
- travel enough to use the hotel and travel benefits,
- and want a card with no foreign transaction fees.
Who May Want to Skip It
This card may not be the best fit if you:
- do not spend much on dining or groceries,
- cannot use the monthly credits,
-
do not want a $325 annual fee,
- or cannot comfortably spend $8,000 in 6 months.
SimplexDeals Takeaway
The American Express® Gold Card can be a powerful card for people who spend often on food, groceries, restaurants, and travel.
The strongest parts of the card are the potential welcome offer, the 4X points at restaurants worldwide, 4X points at U.S. supermarkets, and the yearly credits that can help offset the $325 annual fee.
The simple reason to check this offer:
-
Potential welcome offer as high as 100,000 points
- Strong rewards on restaurants and U.S. supermarkets
- Useful monthly and semi-annual credits
- No foreign transaction fees
- Check your exact offer with no credit score impact
Check your offer HERE
Disclaimer
Welcome offers vary, and you may not be eligible for an offer. Terms apply. Benefits and offers can change. Enrollment may be required for select benefits. Review the full Card details before accepting any offer.
