American Express Gold Charge Card Review

The American Express Gold charge 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 $100 airline fee credit, plus other benefits such as baggage insurance and secondary rental car insurance. 

Deals Points Card Rating:
American Express Gold Card

Gold Card Information

Application Link: American Express Gold.

Current Sign Up Bonus: 50,000 Membership Rewards points after $4,000 in spending within the first 3 months.

Recommended Bonus: At least 50,000 Membership Rewards points.

Annual Fee: $250.

Earning Rewards:

  • 4x points at restaurants worldwide.
  • 4x points at U.S. supermarkets up to $25,000 per calendar year.
  • 3x points on flights booked directly with airlines or on
  • 1x points everywhere else.

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.

$100 Airline Fee Credit– This calendar year credit reimburses incidental fees like checked bags, seat selection fees, and in-flight refreshments.

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.

Frequently Asked Questions

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
  • Aldi
  • Trader Joes
  • Kroger
  • FreshDirect (online)
  • Harris Teeter
  • Wegmans
  • Albertsons

$250 per year.