American Express® Gold Card Review

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American Express® Gold Card
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American Express® Gold Card
Editor’s Score: (4.3/5)
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American Express® Gold Card
Editor’s Score: (4.3/5)
  • Intro offer:
    60,000 points
  • Annual fee:
    $250
  • Regular APR:
    18.99%-25.99% Variable
  • Recommended credit score:
    670-850 (Good to Excellent)
Rewards rate:

Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S. 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.

NextAdvisor’s Take

Pros
  • Tiered points system
  • Welcome bonus offer
  • Annual credits
Cons
  • Annual fee
  • Value of points dependent on how you redeem
The Bottom Line
The American Express Gold Card offers a great rewards structure that lets you rack up points when you make everyday purchases on groceries and dining out. You’ll get the most value from your American Express Gold if you use your points to save on travel — especially if you transfer your points to airline or hotel partners. The Amex Gold is one of our favorite travel rewards credit cards, and frequent travelers can get a lot of value from it, even in spite of its $250 annual fee.

Additional Card Details

  • Up to $120 annual dining credit
  • Up to $120 in annual Uber Cash for Uber Eats orders or Uber rides
  • Up to $100 credit on qualifying activities when booking through the American Express Hotel Collection
  • $250 annual fee
  • Amex Offers
  • Car rental insurance
  • Global travel assistance hotline
  • Baggage insurance
  • Extended warranty on covered purchases
  • Purchase protection
  • Dispute resolution

American Express Gold Card Full Review

Card Type

This is a travel rewards credit card. It earns American Express Membership Rewards points on every dollar you spend.

Annual Fee

The Amex Gold Card has a $250 annual fee.

Welcome Offer

This card offers an intro bonus of 60,000 points after spending $4,000 on eligible purchases in the first six months of card membership.

Rewards

With the American Express Gold Card, you’ll earned tiered rewards across a few different bonus categories:

  • 4x points at restaurants
  • 4x points at U.S. supermarkets (on up to $25,000 in purchases per calendar year, then 1x)
  • 3x points for flights booked directly with airlines or on amextravel.com
  • 1x points on other eligible purchases

When you’re ready to redeem your Membership Rewards points, you’ll typically get the best value when you redeem for travel, either through Amex’s travel portal or by transferring to travel partners. But you can also choose other redemption options, including statement credits, gift cards, using points for online purchases, and more.

Fees 

There are no foreign transaction fees with the Amex Gold Card. For purchases that qualify for Pay Over Time, there’s a variable APR of 18.24% to 25.24%. If you pay late or your payment is returned, you’ll incur a fee up to $40 and may take on a penalty APR up to 29.99% (See Rates & Fees).

How to Use American Express Gold Card

This card offers an excellent intro bonus of 60,000 points after spending $4,000 on eligible purchases in the first six months of card membership, so you should have a plan to hit that with your normal spending in the months after opening the card. After that, here’s how the American Express Gold Card earns you tiered points back:

  • 4x points at restaurants
  • 4x points at U.S. supermarkets (on up to $25,000 in purchases per calendar year, then 1x)
  • 3x points for flights booked directly with airlines or on amextravel.com
  • 1x points on other eligible purchases

Getting 4x points is a great return on your spending, so you should use this card every time you dine, get takeout (in the U.S.), or run to any U.S. supermarket. You’ll get the best value for these points by booking travel with Amex partners. With just those 60,000 intro points (after spending $4,000 in the first 6 months), for example, you could get $600 toward eligible flights, $420 on Amazon.com, up to $600 in gift cards, or a $360 statement credit, according to Amex’s rewards calculator.

Also make sure you use the dining and hotel credits, up to a $220 value that almost cancels out the $250 annual fee on its own, though there are stipulations to both of these rewards. The hotel credit only applies to qualifying activities when you book through The Hotel Collection, and the dining credit is good for up to $10 a month at a handful of restaurants, and includes Grubhub. 

You can redeem your points for the most value by booking travel through American Express travel partners. You can transfer your points to a frequent flier program, like Aeroplan or Delta SkyMiles, to unlock more savings, but once points are transferred they cannot be reversed.

American Express also often offers members additional deals throughout the year for further saving through Amex Offers, which will appear in your account for activation.

American Express Gold Card Compared to Other Cards

Our Choice
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American Express® Gold Card

American Express® Gold Card

Editor’s Score: (4.3/5)
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American Express Cash Magnet® Card

American Express Cash Magnet® Card

Editor’s Score: (3.8/5)
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Chase Freedom Unlimited®

Chase Freedom Unlimited®

Editor’s Score: (4.7/5)
  • Intro offer:
    Earn an Additional 1.5% Cash Back
  • Annual fee:
    $0
  • Regular APR:
    17.24% – 25.99% Variable
  • Recommended credit:
    670-850 (Good to Excellent)
  • Apply Now externa link icon At Chase’s secure site

Is Amex Gold Card Right for You?

The American Express Gold Card is great for a frequent flier, restaurant lover, or home chef.  The perks and points are valuable if you use them, but if not, the $250 annual fee may be steep with limited benefits. 

It might take a little extra thought to maximize the value of your points, and it’s less straightforward than cash rewards, but it’s possible to get more value than even top cash back cards if you do it right. 

You’ll be able to redeem your points in a number of ways, including gift cards, merchandise, and travel or entertainment options via the American Express site. Or you could transfer the points to one of American Express’s travel partners to get optimum travel savings. These frequent flier or hotel rewards programs can double the value of your points. 

You can also redeem points for a statement credit, but you may lose some value in the process. You won’t be able to redeem for a check or cash as with some other existing rewards cards.

Editorial Independence

As with all of our credit card reviews, our analysis is not influenced by any partnerships or advertising relationships.

Frequently Asked Questions

Is there an annual fee?

Yes. There is a $250 annual fee for the American Express Gold Card.

What credit score is required?

You’ll need good to excellent credit (670-850) for the American Express Gold Card.