American Express® Gold Card

American Express® Gold Card

on American Express's website

American Express® Gold Card

American Express is a NerdWallet Partner

American Express® Gold Card

American Express® Gold Card

on American Express's website

Card details

  • Earn 35,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 3 months.

  • Earn 4X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery.

  • 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 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be 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.

  • No Foreign Transaction Fees.

  • Annual Fee is $250.

  • Terms Apply.

  • View Rates and Fees

Rates, fees & offers

  • Annual fee

    $250

  • Rewards rate

    1x-4x

  • Bonus 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.

  • Intro APR

    N/A

  • Ongoing APR

    See Pay Over Time APR

  • Foreign transaction fee

    None

Recommended credit score

Compare to other cards

Annual Fee

$250

Annual Fee

$95

Annual Fee

$0

Regular APR

See Pay Over Time APR

Rates & Fees

Regular APR

13.99% - 23.99% Variable APR

Rates & Fees

Regular APR

22.99% Variable APR

Rates & Fees

Intro APR

N/A

Intro APR

0% intro APR on Purchases for 12 months

Intro APR

10.99% intro APR on Balance Transfers for 6 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Claire Tsosie

Rating details

4.6

Editor's overall rating

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 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.