American Express® Gold Card
on American Express' website
American Express® Gold Card
American Express is a NerdWallet Partner
Card details
Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
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.
$120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
$120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
Choose the color that suits your style. Gold or Rose Gold.
No Foreign Transaction Fees.
Annual Fee is $250.
Terms Apply.
Rates, fees & offers
Annual fee
$250
Rewards rate
1x-4x
Bonus offer
Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership. Terms Apply.
Intro APR
N/A
Ongoing APR
APR: 20.24%-27.24% Variable APR
Cash Advance APR: 29.49%, Variable
Foreign transaction fee
None
Recommended credit score
Compare to other cards
| Learn more | Learn more | |
Annual fee$250 | Annual fee$99 | Annual fee$199 |
Regular APRSee Terms | ||
Intro APRN/A | Intro APR0% intro APR for 15 billing cycles on balance transfers made within 45 days of account opening. | Intro APRN/A |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
NerdWallet review
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Rating details
4.6
Editor's overall rating
Pros and cons
Pros
Bonus categories
Transfer partners
Flexible rewards redemption
Cons
Has annual fee
Complicated rewards
Requires good/excellent credit
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 restaurants worldwide, 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 at partners that include Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and participating Shake Shack locations. Enrollment required. Terms apply.
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.
To view rates and fees of the American Express® Gold Card, see this page.
