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American Express® Gold Card: review

No other card can match the Amex Gold’s powerful rewards rate, earning higher bonus points on restaurants, U.S. supermarkets and travel.  It’s been a fan favorite during the pandemic because of its fantastic rewards rate on restaurants (that includes takeout and delivery!) and U.S. supermarkets.

Basically, anyone who spends a large chunk of their budget on food will watch the points stack up with this card and you’ll also be rewarded with up to $240 in annual statement credits.

Pros & Cons


  • 4x on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1x)
  • 3x on flights booked directly with the airline or with Amex Travel
  • Welcome bonus of 60,000 points after spending $4,000 in the first six months
  • Transfer partners
  • Flexible rewards redemption


  • Has annual fee
  • Complicated rewards
  • Requires good/excellent credit
  • Weak on travel outside of flights and everyday spending bonus categories

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
  • Intro APR: N/A
  • Ongoing APR
    APR: 15.99% – 22.99% Variable APR

Penalty APR: 29.99%
Cash Advance APR: 25.24%, Variable

  • Balance transfer fee: N/A
  • Foreign transaction fee: None


Membership rewards

  • Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
  • Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, 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

Up to $240 in annual statement credits

  • $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: 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.

Other card benefits

  • Global Assist Hotline: 24/7 access for medical, legal, financial and other select emergency assistance and coordination services.
  • Amex Hotel Collection: Get a $100 hotel credit to spend on qualifying dining, spa and resort activities, plus a room upgrade upon arrival, if available, when you book a stay of at least two consecutive nights with American Express Travel.
  • Baggage Insurance: Provides coverage for eligible lost, damaged or stolen baggage⁠. Terms Apply.
  • Car Rental Loss and Damage Insurance: When you use your card to pay for a rental vehicle and decline the collision damage waiver at the rental counter, you may receive secondary auto coverage in an eligible territory. Terms apply.

How to request this card

Applying for a credit card is very simple and you can do it through the app or website. But you need:

  • Social Security Number
  • Gross income
  • Employer name (if applicable)
  • Rent/mortgage amount

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