American Express® Gold Card

American Express® Gold Card

on American Express' website

American Express® Gold Card

American Express is a NerdWallet Partner

American Express® Gold Card

American Express® Gold Card

on American Express' website

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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.

  • Updated $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: 18.24%-25.24% Variable APR

    Cash Advance APR: 27.49%, Variable

  • Foreign transaction fee

    None

Recommended credit score

Compare to other cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Learn moreLearn more
Annual fee

$250

Annual fee

$99

Annual fee

$199

Regular APR

18.24%-25.24% Variable APR

Rates & Fees

Regular APR

17.49%, 21.49% or 26.49%, Variable APR

Rates & Fees

Regular APR

See Terms

Intro APR

N/A

Intro APR

0% intro APR for 15 months on balance transfers made within 45 days of account opening.

Intro APR

N/A

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Claire Tsosie

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

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, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, 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.