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Amex Gold Card
Fee raised to $325 in Oct 2024 with $424 in stated annual credits. April 2026 refresh added 5x prepaid hotels via Amex Travel and Hertz Five Star status. Best dining and U.S. grocery earner in the market — most food-focused spenders break even or come out ahead before counting points value.
$1,616/yrest. value at typical spending
$325annual fee
$424yearly credits
−$99fee after credits
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| Category | Rate | Typical spend |
|---|---|---|
| Dining | 4x | $400/mo |
| Groceries | 4x | $600/mo |
| Flights & hotels | 3x | $300/mo |
| Rent | 1x | $2,500/mo |
| Gas & transit | 1x | $150/mo |
| Streaming | 1x | $80/mo |
| Online shopping | 1x | $200/mo |
| Everything else | 1x | $600/mo |
Rates are what our model counts per dollar. Brand-specific bonuses (like a hotel card at its own hotels) are blended, since most people don't put all category spending with one brand. Typical spending here means our quiz defaults: $4,830 a month, including $2,500 rent or mortgage. Points are valued at 1.5¢ each (travel portal redemption); transferring to airline or hotel partners can be worth more.
Rewards and perks
Points, 11 transfer partners
- 4x Membership Rewards at restaurants worldwide (up to $50k/yr, then 1x)
- 4x at U.S. supermarkets (up to $25k/yr, then 1x)
- 5x on prepaid hotels booked via AmexTravel.com (NEW April 2026)
- 3x on flights booked direct with airlines or via Amex Travel
- 2x on prepaid car rentals via Amex Travel; 2x on cruises via Amex Travel
- 1x on everything else
- $120 dining credit — $10/mo at Grubhub, Cheesecake Factory, Buffalo Wild Wings, Five Guys, Wonder (enrollment required)
- $120 Uber Cash — $10/mo for U.S. rides or Uber Eats orders
- $100 Resy Credit — $50 semi-annually at U.S. Resy restaurants (enrollment required)
- $84 Dunkin Credit — $7/mo at U.S. Dunkin locations (enrollment required)
- $100 Hotel Collection credit on 2-night+ prepaid stays via Amex Travel
- Complimentary Hertz Five Star Status (NEW 2026 — enrollment required)
- No foreign transaction fees
Transfer partners
Delta SkyMilesAir Canada AeroplanANA Mileage ClubBritish Airways AviosEmirates SkywardsEtihad GuestAir France-KLM Flying BlueSingapore KrisFlyerTurkish Miles&SmilesHilton HonorsMarriott Bonvoy
Head-to-head
- Amex Gold Card vs Chase Sapphire Preferred
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- Amex Gold Card vs Bilt Obsidian Card
Similar cards
- Amex Business Gold$375 annual fee$1,501est. value/yr
- Amex Green Card$150 annual fee$1,234est. value/yr
- Bilt Obsidian Card$95 annual fee$1,401est. value/yr
- Bank of America Premium Rewards$95 annual fee$916est. value/yr
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