The American Express Gold card earns 4x points on restaurants and U.S. supermarkets, 3x points on flights, and 1x points everywhere else.
The Gold card costs $250 per year, but comes with a $120 dining credit and $120 Uber credit, plus other benefits such as baggage insurance and secondary rental car insurance.
Gold Card Benefits
$120 Dining Credit– The credit equals $10 per month at Grubhub, Seamless, the Cheesecake Factory, Ruth’s Chris Steakhouse, Boxed, and Shake Shack.
$120 Uber Cash Credit– Cardmembers receive $10 in Uber cash each month up to $120 when you load your Gold card to your Uber account. This credit works on Uber rides and for Uber Eats.
Trip Delay Insurance– If your trip is delayed by more than 12 hours, you can seek reimbursement for up to $300 per trip up to twice per year.
Baggage Insurance– This coverage reimburses you for lost, damaged, or stolen baggage up to $1,250 for a carry-on bag and $500 for a checked bag.
No Foreign Transaction Fees– This benefit saves you 2.7% on purchases outside the U.S. by charging no extra fees for international transactions.
Return Protection– If a retailer won’t take back an item within 90 days of purchase, American Express may refund the full purchase price up to $300 per item with a maximum of $1,000 per year.
Purchase Protection– This coverage covers the replacement costs of items bought with the card that were stolen or accidentally damaged within the first 90 days up to $1,000 per item.
Amex Offers– The Gold card, like all American Express cards, has access to Amex Offers, which are special deals at certain retailers. For example, spend $25, get a $10 statement credit.
Secondary Rental Car Insurance– This secondary coverage pays for any damage to the rental car not covered by your insurance. If you don’t have collision insurance, this coverage is primary coverage.
Extended Warranty– This benefit extends an original manufacturer’s warranty by one year on warranties of 5 years or less.
ShopRunner– This benefit gets you free 2 days shipping at 100+ online retailers.
Redeeming American Express Membership Rewards
|Membership Rewards Transfer Partners [1 to 1]|
|Aer Lingus Avios||AeroMexico [1 to 1.6]|
|Air Canada Aeroplan||Air France/KLM Flying Blue|
|Avianca LifeMiles||British Airways Avios|
|Cathay Pacific Asia Miles||Delta SkyMiles|
|El Al [1,000 to 20]||Emirates|
|Etihad Guest||Hawaiian Airlines|
|Iberia Avios||JetBlue [250 to 200]|
|Hilton Honors [1 to 2]||Marriott Bonvoy|
Frequently Asked Questions
What counts as U.S. supermarkets for 4x points?
American Express' definition of supermarkets excludes Costco, Target, Walmart, Sam's Club, and specialty shops (wine or cheese stores).
What is included (for example) is:
- Whole Foods
- Trader Joes
- FreshDirect (online)
- Harris Teeter
What is the annual fee of the Amex Gold card?
$250 per year.