American Express® Gold Card Review

The American Express® Gold Card is a card for those with good to excellent credit that rewards you for “everyday and extraordinary experiences.” Cardholders get 4x points at U.S. supermarkets on up to $25,000 a calendar year in purchases (then 1X) and 4X Membership Rewards® points when you dine at restaurants worldwide, including takeout and delivery, making this a card with solid rewards for foodies, professionals who spend a lot on business meals and families who make frequent trips to grocery stores.

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American Express® Gold Card members also get 3x points for flights booked through or booked directly through airlines. Points can be redeemed for travel, gift cards, statement credits, shopping and charity donations. There is a $250 annual fee (See Rates & Fees here ), but with the rewards like bonus points and a dining credit, you may be able to easily offset the fee with the rewards you rack up.

CardAnnual FeeWelcome BonusCredit NeededKey features
American Express® Gold Card$250 (See Rates & Fees here )Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months. Terms Apply.Good to excellentDining and Travel
In this article

    What we like about the American Express® Gold Card

    The American Express® Gold Card comes with some travel perks, such as no foreign transaction fees (See Rates & Fees here ). Members can also access discounts and amenities when booking eligible airfare, lodging, car rentals, cruises and tours through

    Another travel benefit for American Express® Gold Card members: through The Hotel Collection, they can get a $100 hotel credit on qualifying dining, spa, and resort activities, plus a possible room upgrade when they arrive and have booked a stay of at least two consecutive nights. Cardholders also get car rental loss and damage insurance. When you use your card to rent a car, pay for the entire eligible rental and opt out of the collision damage waiver, the card provides coverage if the car is damaged or stolen.

    American Express offers other perks to cardholders like American Express Preferred Seating, which provides access to premium seats for select cultural and sports events. You can also get exclusive access to ticket presales and Card Member-only events, for events like Broadway shows, concert tours, family and sporting events.

    Things to consider

    The $250 annual fee can seem steep for some. To offset it and get the most rewards possible, you’ll want to use this card for food purchases and use most of your points towards travel.

    American Express® Gold Card dining and travel details

    If you want to make the most out of your American Express® Gold Card, you’ll want to first take advantage of that intro offer. Spend at least $4,000 on purchases within the first 6 months of getting your card to earn the 60,000 bonus membership rewards points. Terms Apply.

    You’ll also want to use the card for all dining and U.S. supermarkets purchases to get 4x points (on up to $25,000 per calendar year in purchases, then 1X). You can also earn up to a total of $10 in statement credits each month when you use the card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. Enrollment is required.

    Your points never expire. The point value is most valuable when points are used for travel. Points can be transferred directly to American Express transfer partners’ loyalty programs. Be sure to book travel using your American Express® Gold Card, as well, to earn 3x points on flights booked directly with airlines or on

    American Express® Gold Card fees

    In addition to the annual fee of $250 , there is a cash advance fee (See Rates & Fees here ), either $10 or 5 percent of the amount of each cash advance, whatever is greater. To offset the annual fee, take advantage of the up to $120 yearly dining credit and the travel discounts mentioned. Using the card for travel purchases can also make the annual fee negligible.

    Penalty fees are up to $39 for a late payment and up to $39 for a returned payment (See Rates & Fees here ).

    How does it compare to other dining and travel cards?

    Foodies and travel lovers have other card options, including credit cards for dining the travel. The Chase Sapphire Preferred® Card has a bonus offer of 60,000 points after you spend $4,000 on purchases in the first three months, which is much higher than the American Express® Gold Card. Plus you get 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more. But if you’re looking for higher points on dining and travel all the time, the American Express® Gold Card may be a better fit.

    The Capital One® Savor® Cash Rewards Credit Card is a dining rewards credit card with unlimited 4 percent cash back on entertainment and dining out. You also get 2 percent cash back at grocery stores and 1% on all other purchases. The new cardmember offer provides a one-time $300 cash bonus when you spend $3,000 on purchases within three months of the account opening. There are also no foreign transaction fees. If you eat out more than shop at grocery stores and go to entertainment events more than travel, this may be a more rewarding card.

    For rates and fees of the American Express® Gold Card, please click here .

    Please Note: Information about the Capital One® Savor® Cash Rewards Credit Card and American Express® Gold Card has been collected independently by The issuer did not provide the details, nor is it responsible for their accuracy.

    Editorial Note: Compensation does not influence our recommendations. However, we may earn a commission on sales from the companies featured in this post. To view our disclosures, click here. Opinions expressed here are the author’s alone, and have not been reviewed, approved or otherwise endorsed by our advertisers. Reasonable efforts are made to present accurate info, however all information is presented without warranty. Consult our advertiser’s page for terms & conditions.

    Nicki Escudero

    Contributing Writer

    Nicki Escudero is a freelance writer and journalist with more than 18 years of experience in the publishing industry, writing for international publications such as USA Today, Entrepreneur, Marketing Land, American Art Collector magazine and the Arizona Republic. She is passionate about helping readers discover helpful tips that lead to happier, healthier lives. A former Australian expat, Nicki has a passion for world travel and loves to learn about new cultures.