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5 Reasons to Get the American Express Gold Card

Nov. 14, 2019
Travel, Travel Credit Cards
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The American Express® Gold Card got a makeover last year, and the new metal card may now deserve a place in your wallet if you don’t already have it.

The card offers 3 Membership Rewards points per dollar spent on airline bookings, which makes it popular for travelers, and it now offers 4x points on dining and grocery purchases, which broadens its appeal immensely. Terms apply.

Let’s take a look at the best reasons to consider getting this card:

Welcome bonus

Membership Rewards points are a valuable type of flexible points. They can be used to book travel directly with AmEx, where they’ll be worth a cent each, or they can be transferred to travel loyalty programs to increase their value. The American Express® Gold Card currently has this welcome offer: Earn 35,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 3 months. Terms Apply. Terms apply.

Bonus point categories

You’ll earn 4 Membership Rewards points per dollar spent on your dining purchases worldwide. The American Express® Gold Card also earns 4 points per dollar on U.S. supermarket purchases of up to $25,000 per year. Both are popular bonus earning categories, and together they can really help you rack up Membership Rewards points fast. The card also earns 3 bonus points per dollar on flights booked directly with airlines or through AmEx Travel. All other purchases earn 1 point per dollar. Terms apply.

» Learn more: Making the most of the AmEx Gold Card

Statement credits

The American Express® Gold Card has a $10 credit every month ($120 a year) when you use your card to get food delivered by Grubhub or Seamless, or when you pay with the card at The Cheesecake Factory, Ruth’s Chris Steak House or select Shake Shack locations. Terms apply.

The monthly credit can also be applied to purchases with Boxed, an online wholesaler. The card also has an annual $100 airline fee credit for incidentals like baggage fees or food and beverages on flights with an airline of your choice. Terms apply.

Travel partners

The AmEx Membership Rewards program has more travel industry partners than any other major U.S. credit card. It has 19 airline loyalty program partners including Air Canada Aeroplan, Delta SkyMiles and JetBlue True Blue in North America. Foreign frequent flyer program partners include ANA Mileage Club, British Airways Executive Club, Emirates Skywards, Etihad Guest, Singapore Airlines KrisFlyer, Virgin Atlantic Flying Club and others. Membership Rewards has three hotel partners: Choice Privileges, Hilton Honors and Marriott Bonvoy. You can transfer your AmEx points to any of these travel partners and probably increase the average value of one cent per point. Here is a complete list of travel partners and transfer rates.

Travel perks

The American Express® Gold Card has several travel benefits including no foreign transaction fees, which are usually around 3% of the purchase price on cards that charge them. It also comes with secondary rental car insurance when you use your card to pay for the rental and decline the collision damage waiver. Terms apply.

Cardholders also get lost or damaged baggage insurance of up to $500 for checked bags and $1,250 for carry-ons when your card is used to book a flight. And if you book a two-night stay from the Hotel Collection via American Express Travel, you’ll get a $100 resort credit to use on dining, spa services or activities. Cardholders also have access to discounts via the Travel Collection by Travel Leaders Group. Terms apply.

» Learn more: 13 valuable benefits of the AmEx Gold Card

The bottom line

One thing to consider if you think the American Express® Gold Card is a good fit for you is that AmEx is not as widely accepted outside the U.S. as Visa and Mastercard are. There’s also no lounge access with this premium card. And the $250 annual fee is no longer waived the first year. Terms apply.

But the welcome offer, bonus earning categories and travel benefits can easily offset the fee and make the American Express® Gold Card a valuable credit card addition to your wallet, especially if you can maximize the dining and supermarket bonus categories.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2019, including those best for:

Planning a trip? Check out these articles for more inspiration and advice:
Find the best airline credit card for you
Full review of the AmEx Gold Card
Earn more points and miles with these 6 strategies

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