American Express · Amex
American Express Gold
Annual Fee
$325
up to $424/yr in credits if you use them
Sign-Up Bonus
$1,500
Current offer shown; issuer determines eligibility.
Spend $8,000 in 6mo
Terms apply.
Base Rate
1x
on everything
Best For
Households spending $500+/mo on dining and groceries
Sign-Up Bonus
Bonus: 100,000 points
Details: Up to 100,000 bonus points after $8,000 spend in 6 months — a limited-time elevated offer; Amex welcome offers vary by applicant (standard is ~60,000). Verified live 2026-08-06; monitor for reversion.
Requirement: Spend $8,000 in 6 months
Estimated value: $1,500Terms apply. Current offer shown; issuer determines eligibility.
Reward Categories
Restaurants worldwide
Cap: $50,000/yr
US supermarkets
Cap: $25,000/yr
Prepaid hotels via Amex Travel
Flights direct/Amex Travel
Point value: ~1.5¢ each
Key Benefits
Credits — if you use them
Add card to Uber app → Uber Cash auto-loads monthly
Use at Grubhub, Seamless, Buffalo Wild Wings, Wonder, The Cheesecake Factory, Five Guys (enrollment required)
Up to $50 Jan–Jun and $50 Jul–Dec at U.S. Resy restaurants (enrollment required)
Pay with your Gold card at Dunkin' for automatic credit
Pros & Cons
Pros
- + 4x on dining and groceries
- + Monthly Uber and dining credits
- + Great transfer partners
- + No foreign transaction fees
Cons
- - High annual fee
- - Amex not accepted everywhere
- - Credits require effort to use
Transfer Partners
Points transfer to 8 airline and hotel partners — often where the highest redemption values live.
Rates and fees may vary.See current rates, fees, and terms on American Express's site
Recommended credit score: 700+
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
Is the American Express Gold right for you?
Enter your monthly spending and see exactly how much this card would earn you compared to 80 other cards.
Run your numbersAlready carry it? Add it to My Cards →
Compare the American Express Gold head-to-head
Written by Tim · Data verified against issuer terms · Last checked Sep 14, 2026 · Methodology v2026.09.1
Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.