The American Express® Gold Card has lucrative earning rates in popular spending categories such as restaurants and U.S. Supermarkets, making it one of the best cards to earn Membership Rewards points.
It also offers nice monthly credits for Uber/Uber Eats and for dining to help offset its annual fee.
Let’s take a closer look at this card and find out if it’s worth getting for you.
- bonus_miles_full
- 4x Points at U.S. Supermarkets (on up to $25,000 per calendar year in purchases, then 1 point per dollar)
- 4x Points at Restaurants (including takeout and delivery in the U.S.).
- Up to $120 Uber Cash Credit (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.)
- $120 Dining Credit (up to $10 in monthly statement credits at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, & select Shake Shacks)
- $250 Annual Fee (Rates and Fees)
Welcome Bonus
The Amex Gold currently offers the following welcome bonus:
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Earning Points with the American Express Gold Card
The Amex Gold earns Membership Rewards points and offers some very nice points multipliers to help you earn a lot of points:
- 4 points per dollar on dining at restaurants (including takeout and food delivery in the U.S.).
- 4 points per dollar on up to $25,000 in purchases at U.S. supermarkets per calendar year (then 1 point per dollar).
- 3 points per dollar on flights booked directly from the airline or through the Amex Travel.
- 1 point per dollar on all other eligible purchases.

Annual Fee
The American Express Gold has a $250 annual fee (rates and fees), which is offset by the $240 in credits, trip and purchase protections, and extra points on dining, flights, and U.S. supermarkets.
American Express Gold Benefits
The Amex Gold has a lot of great benefits, including:
$120 Dining Credit
You can earn $10 in statement credits per month when you charge your dining purchases to your Amex Gold Card. Only purchases in the U.S. qualify.
Participating partners include:
- Grubhub
- The Cheesecake Factory
- Shake Shack (excludes stadiums, airports, and racetracks).
- Wine.com
- Milk Bar
- Goldbelly
$120 Uber Cash Credit
You’ll also get $10 in Uber Cash monthly when you add your Amex Gold Card to your Uber account.
This credit is applicable to your Uber Eats orders and Uber rides in the United States.
Enrollment is required for this benefit, which you can easily do in your American Express online account.

No Foreign Transaction Fees
This card has no foreign transaction fees on purchases outside the U.S., which is helpful if you travel internationally to help you avoid paying a 3% fee on those international purchases.

Access to Amex Offers
This card has access to Amex Offers, which are deals that are linked to your card, allowing you to save money or earn extra points on shopping, dining, and travel.
For example, there could be an offer such as spending $200+ at Marriott Hotels and Resorts and receiving $50 cash back as a statement credit.
You can find all of your Amex Offers by signing into your American Express account. You will need to “Add to Card” each offer to be eligible for the special offer.

Access to Amex Hotel Collection
American Express Gold cardholders get a $100 experience credit with a minimum two-night stay when they book The Hotel Collection through American Express Travel. Experience credit varies by property.
Complimentary ShopRunner Membership
This card offers a complimentary membership to ShopRunner, giving you free two-day shipping and free returns at 100+ online retailers.
Eligible stores include Bloomingdales, Under Armour, American Eagle, Saks Off 5th, Cole Hann, Fanatics, Vera Bradley, Jockey, Kate Spade, NFL Shop, NBA Store, MLB Shop, and Coach.

Access to Global Assist Hotline
When you’re traveling miles from home, Amex’s Premium Global Assist Hotline will help you in emergency situations like:
- Passport replacement
- Translation services
- Medical and legal referrals
You’ll have to pay for any third-party costs incurred.
Travel and Purchase Protections
The American Express Gold also offers the following travel and purchase protections:
Trip Delay Insurance*
This card offers trip delay insurance when you purchase your flight with this card.
This reimburses you for reasonable expenses things like hotels, food, transportation, and other necessary items.
Flights are increasingly delayed or canceled, and it is too risky to not use a card that offers free trip delay insurance.
Secondary Rental Car Insurance*
Secondary rental car insurance covers any damage to a rental car not covered by your primary insurance when you pay for the rental using this card.
Other credit cards offer primary rental car insurance, which pays before your insurance and saves you the hassle of filing multiple insurance claims.
You still need to maintain liability car insurance to cover damage to another person or property.
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.
Lost Luggage Reimbursement*
Baggage insurance covers the cost to repair or replace your luggage and the contents inside if your bag is lost or damaged during a covered trip.
You must purchase the trip with this card, and it will also cover immediate family members traveling with you.
Purchase Protection*
Purchase protection could save you a lot of money if you bought an eligible item that is damaged or stolen within 90-days.
For example, if you accidentally dropped your new phone or laptop and broke the screen, you could file a claim to get it replaced if the item was purchased within the last 90 days.
Extended Warranty*
Credit card extended warranty protection adds up to an additional year of coverage for eligible purchases on manufacturer’s warranties up to 5 years.
For example, if you bought a TV with a manufacturer’s warranty of three years, this card would extend the warranty for free to the fourth year.
*(Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/
Redeeming American Express Membership Rewards
American Express Membership Rewards is a popular rewards program that offers a variety of redemption options, including travel, merchandise, gift cards, and more.
However, to get the most value out of your rewards, it’s important to use them strategically.
One of the best ways to use Amex Membership Rewards is through transfer partners.
The program partners with over 20 airline and hotel partners, including ANA, Air Canada Aeroplan, Iberia Avios, and Avianca LifeMiles.
By transferring your points to these partners, you can often get more value per point and enjoy a wider range of redemption options.
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Pros and Cons
Here’s a quick overview of this card’s advantages and disadvantages:
Pros:
- 4x points on dining and U.S. Supermarkets.*
- $240 in credits to offset the annual fee.*
- Nice travel and purchase protections.
*Subject to the terms above.
Cons:
- No airport lounge access.
- Dining credit is at specific partners.
Alternatives to with Amex Gold Card
Now that you know about this credit card’s various benefits and pros and cons, it’s time to see its alternatives.
Chase Sapphire Preferred® Card
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- 5x Points on Travel Booked Via Chase
- 3x Points on Dining and Eligible Delivery Services
- 2x Points on All Other Travel Purchases
- 10% Anniversary Points Boost
- Trip Delay and Trip Cancellation Insurance
- Primary Rental Car Insurance
- $95 Annual Fee
The Chase Sapphire Preferred® Card (review) is one of the best rewards cards for travelers who want solid earning rates for travel and dining expenses.
For only $95 per year, this card earns 5x Chase Ultimate Rewards points on travel booked through the Chase Ultimate Rewards portal, 3x points on dining, online groceries, and streaming services, and 2x on all other travel purchases.
Cardholders will also get a 10% anniversary points bonus, a 12-month DoorDash DashPass subscription when activated by December 31, 2024, and a $50 anniversary hotel statement credit.
Plus, it provides extensive travel protections, including trip delay, primary rental car, baggage, and purchase protection plans.
Capital One Venture X Rewards Credit Card
The Capital One Venture X Rewards Credit Card (review) is a premium travel rewards card that’s perfect for travelers who want outstanding travel perks like annual travel credits, worldwide airport lounge access, and travel and purchase protections.
The Venture X earns 2x miles on all purchases helping you maximize every dollar of your spending. Plus, you can earn 10x miles on hotels and rental cars, and 5x miles on flights booked through Capital One.
The card has a $395 annual fee, completely offset by a $300 annual credit for bookings through Capital One Travel, and 10,000 points (worth at least $100) for each account anniversary.
Plus, you get airport lounge access via Priority Pass, Capital One, and Plaza Premium Lounges, Hertz President’s Circle elite status, Global Entry or TSA PreCheck credit, rental car insurance, trip and luggage insurance, cell phone insurance, and purchase protection.
The Platinum Card® from American Express
The Platinum Card® from American Express (review) is a great premium travel rewards card for travelers who want airport lounge access, including Centurion Lounges, Delta Sky Clubs (when flying Delta), Escape Lounges, Priority Pass lounges.
The American Express Platinum has a $695 annual fee, but you receive many annual statement credits when you enroll your card to offset the fee, including:
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Card.
- $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
- $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Disney+, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal. Enrollment required.
- $200 Uber Cash Credit: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Benefit renews annually.
- $155 Walmart+ Credit: Use your Platinum Card® to pay for a monthly Walmart+ membership (subject to auto-renewal) and receive a statement credit that covers the full cost each month.
- $189 CLEAR® Plus Credit: Breeze through security with CLEAR® Plus at 45+ airports nationwide and get up to $189 back per year on your membership (subject to auto-renewal) when you use your Platinum Card®.
You also earn 5x Membership Rewards points when booking flights directly with airlines or with American Express Travel (up to $500,000 in purchases per calendar year) and 5x Membership Rewards points when booking prepaid hotels with American Express Travel.
On top of that, you automatically earn Marriott Bonvoy Gold Elite and Hilton Honors Gold statuses, which offer points bonuses, room upgrades, late check-out, and other premier benefits.
Is the Amex Gold Worth It?
Yes, the American Express® Gold Card is one of the best cards on the market. It is my go-to card for restaurants and supermarkets, and I am able to earn a lot of points each year with my Amex Gold Card.
It also pairs wells with a travel card like the Capital One Venture X Rewards Credit Card (review) or The Platinum Card® from American Express (review) if you want airport lounge access.
- bonus_miles_full
- 4x Points at U.S. Supermarkets (on up to $25,000 per calendar year in purchases, then 1 point per dollar)
- 4x Points at Restaurants (including takeout and delivery in the U.S.).
- Up to $120 Uber Cash Credit (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.)
- $120 Dining Credit (up to $10 in monthly statement credits at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, & select Shake Shacks)
- $250 Annual Fee (Rates and Fees)
For rates and fees of The Platinum Card® from American Express, please click here.
For rates and fees of the American Express® Gold Card, please click here.