American Express® Gold Card

American Express® Gold Card

on American Express's website, or call (866) 512-6673

American Express® Gold Card

American Express is a NerdWallet Partner

American Express® Gold Card

American Express® Gold Card

on American Express's website, or call (866) 512-6673

Card details

Recommended credit score

  • Earn 35,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new Card within the first 3 months.

  • Earn 4X Membership Rewards® points at U.S. restaurants. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X).

  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

  • Earn up to $10 in statement credits monthly when you pay with The Gold Card at Grubhub, Seamless, The Cheesecake Factory, Shake Shack, and Ruth’s Chris Steak House. This is an annual savings of up to $120. Enrollment required.

  • $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.

  • Choose to carry a balance with interest on eligible charges of $100 or more.

  • No Foreign Transaction Fees.

  • Annual Fee is $250.

  • Terms apply.

  • View Rates and Fees

Rates, fees & offers

  • Annual fee

    $250

  • Rewards rate

    1.00%

  • Bonus offer

    Earn 35,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new Card within the first 3 months. Terms Apply.

  • Intro APR

    N/A

  • Ongoing APR

    See Rates & Fees

  • Foreign transaction fee

    None

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NerdWallet review

By Claire Tsosie

Rating details

3.7

Editor's overall rating

Recommended credit score

Pros and cons

Pros
  • High rewards rate in certain categories

  • $100 airline fee credit; hotel upgrades and credits

  • No foreign transaction fees

  • Transfer partners

  • Annual dining credit

Cons
  • American Express isn’t accepted as widely as Visa or Mastercard internationally

  • No lounge membership

If you're looking for a card with flexible travel redemption options and rich rewards on dining and groceries, the American Express® Gold Card may be your best go-to. Your Membership Rewards points can be redeemed for flights on several major domestic and international carriers, with no blackout dates and no seating restrictions. And you can transfer rewards to several different airline programs and hotel chains. The card also offers big rewards and benefits for foodies, including 4 points per dollar spent at U.S. restaurants, 4 points per dollar spent at U.S. supermarkets on up to $25,000 in purchases per year and a $120 annual dining credit for select purchases that comes in $10 monthly increments. Terms apply.

One thing to note: In many cases, bonus rewards aren't applied to purchases made through third-party processors, such as Toast and Square, according to AmEx's terms. If you often go to restaurants that rely on processors like these, you might be better off with another card until AmEx addresses this issue completely. And if you can't use the card's annual credits, consider a lower-fee card. But if you travel frequently and can maximize this card's benefits, it's well worth it. Read the full review here.

User Reviews

Recommended credit score

Rating Details

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