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The American Express® Gold Card offers considerable value, as it earns 4x points at U.S. supermarkets ($25,000 annual spending cap) and restaurants, plus bonus points for qualifying travel purchases (terms apply). But this premium rewards card isn't cheap, either. Find out whether it's the card for you in our detailed American Express® Gold Card review.
Great for: Restaurants and U.S. supermarkets
Good/Excellent (670-850)
Intro APR
Purchases: n/a
Balance Transfers: n/a
Regular APR
See Pay Over Time APR
Rewards Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., 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.
1X-4X Membership Rewards® Points
Annual Fee
$250
Welcome Offer Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
60,000
This card offers considerable value, as it earns 4X points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X) and 4X points at restaurants. Plus, earn 3X points on flights booked directly with airlines or on American Express Travel. Meanwhile, $120 in annual dining credits and $120 in Uber cash can offset almost the entire $250 annual fee. (Terms apply.) Overall, it’s an incredibly lucrative card for those who spend a lot in those categories.
We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.
Offer | Our Rating | Welcome Offer | Rewards Program | APR | Learn More |
---|---|---|---|---|---|
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Discover will match all the cash back you’ve earned at the end of your first year. N/A | 1% - 5% Cashback Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically. |
Intro: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months Regular: 17.24% - 28.24% Variable APR |
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Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Up to $300 cash back Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases. | 1.5% - 5% cash back Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases |
Intro: 0% Intro APR on Purchases and Balance Transfers for 15 months Purchases: 0% Intro APR on Purchases, 15 months Balance Transfers: 0% Intro APR on Balance Transfers, 15 months Regular: 20.49% - 29.24% Variable |
Apply Now for Chase Freedom Unlimited®
On Chase's Secure Website. |
|
Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
60,000 bonus points Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠. | 5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. |
Intro: N/A Purchases: N/A Balance Transfers: N/A Regular: 21.49%-28.49% Variable |
Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
This card is a good fit for: Consumers looking for bonus rewards at restaurants and U.S. supermarkets. Occasional and frequent travelers will also like this card's versatile rewards points and travel benefits.
American Express has put together a deep lineup of benefits for one of its most popular cards.
The American Express® Gold Card earns:
There's no denying it, 4 points per $1 is an incredible rate and makes the card one of the best choices for dining and grocery cards. If you spend a lot in those areas, this rewards card can help you dramatically boost your rewards.
You earn 60,000 bonus points after you spend $6,000 on purchases within the first 6 months (terms apply).
SEE MORE: Best Sign-Up Bonus Credit Cards
You receive dining statement credits of $10 per month when you use your American Express® Gold Card at select participating restaurants and food delivery services. The lineup of providers, including Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, and select Shake Shack locations, is sure to please varying tastes (terms apply).
When you add your American Express® Gold Card to your Uber account, you automatically receive $10 in Uber Cash each month. You can use this for Uber Eats orders and Uber rides in the United States (terms apply).
The American Express Membership Rewards program has a deep roster of airline and hotel partners. You can transfer your points to the loyalty programs of any partner to make an award booking with that travel provider. Transfers are widely known as the best way to maximize American Express Membership Rewards points because they could lead to bookings that get you $0.02 per point or much more.
Another solid redemption option is the Pay with Points feature to book airfare through American Express Travel. You'll get a value of $0.01 per point this way, and you can apply your points towards a cash airfare purchase (terms apply).
LEARN MORE: A Complete Guide to American Express Membership Rewards Points
The American Express® Gold Card doesn't charge a foreign transaction fee (see rates and fees).
When you book The Hotel Collection properties with American Express Travel for stays of at least two nights, you receive a $100 onsite experience credit. This statement credit applies to qualifying activities, such as dining or spa treatments. Qualifying activities vary by property (terms apply).
RELATED: Best Hotel Credit Cards
American Express cards are known for having excellent complimentary protections. The American Express® Gold Card is no exception, as it offers the following types of coverage on eligible purchases:
These kinds of protections can come in handy when you need them. Make sure to read the guide to benefits that comes with your card (it's also available online) to understand what's covered and what isn't.
RELATED: The Ascent's Travel Credit Cards Hub
While this card offers quite a few features, it still has a couple minor issues.
The American Express® Gold Card has a $250 annual fee (see rates and fees). While the fee is justifiable for many, it's a high annual fee, and something potential applicants should consider. If you're looking for something more affordable, continue checking out credit card reviews, as there are plenty of cheaper travel cards available.
Although the American Express® Gold Card offers valuable spending credits, they aren't entirely easy to use. Dining credits are doled out in $10-per-month increments, so you need to dine with a participating restaurant every month to maximize this benefit (terms apply).
MORE OPTIONS: Best Credit Cards for Dining and Restaurants
Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.
The American Express® Gold Card works differently than a standard credit card. You're supposed to pay the full balance by the due date. But it also has two options to finance certain purchases: Plan It® and Pay Over Time.
Plan It® allows you to follow a payment plan with a set payment amount for eligible purchases. Pay Over Time lets you pay off a purchase over time with interest.
LEARN MORE: What's the Difference Between a Credit Card and a Charge Card?
It's recommended that you only apply for the American Express® Gold Card if you have a FICO® Score of 670 or higher. Like just about all the best travel rewards cards, this card is for consumers with good or excellent credit.
Keep in mind that card applications aren't decided entirely by your credit score. A high credit score always helps, but American Express looks at many factors, including your income and overall credit history. Your credit score alone doesn't guarantee an approval or a denial.
The annual fee is well worth it if you're planning to use your American Express® Gold Card regularly for dining, U.S. supermarkets, and travel purchases, and you can take advantage of the credits it offers.
Between the $120 in annual dining credits and up to $120 in Uber cash for U.S. Uber and Uber Eats orders, its $250 annual fee would cost you $10 per year after you take the credits into account (terms apply). For a card with such a high rewards rate, $10 per year isn't much.
SEE MORE OPTIONS: Best Credit Cards
You can take advantage of the high rewards rate and spending credits it offers.
Since the American Express® Gold Card has so many benefits, it can work well for many different types of consumers. If any of the following are true, you should think about applying:
At The Motley Fool Ascent, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how The Ascent rates credit cards.
There is no credit limit or preset spending limit for the American Express® Gold Card. The spending limit is determined on a month-to-month basis and is based on your payment history, income, credit history, and other habits.
No, the American Express® Gold Card doesn't include airport lounge access. If you're looking for a card with that benefit, check out The Platinum Card® from American Express.
Yes, the American Express® Gold Card is made of metal.
Our Credit Cards Experts
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.
For rates and fees for the American Express® Gold Card, click here
For rates and fees for the The Platinum Card® from American Express, click here
The Motley Fool recommends Amex.