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Credit card review
American Express Gold Card review
Best for: Foodies who dine out and cook at home — and will actually use the credits.
The foodie's points card: 4x on dining and U.S. groceries is best-in-class — but the $325 fee only makes sense if you actually use its Uber Cash, dining credits, and other statement credits.
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Annual fee
$325
Rewards
4x at restaurants worldwide and U.S. supermarkets (caps apply); 5x on prepaid hotels via AmexTravel; 3x on flights; 1x everything else
Intro APR
None (pay-in-full structure)
Regular APR
N/A on new charges; cash advances 28.74% variable
Welcome offer
Up to 100,000 Membership Rewards points after $8,000 spend in 6 months (offer varies by applicant)
Foreign transaction fee
None
The welcome offer varies by applicant — Amex says you may not be eligible for the advertised offer; confirm yours at application.
Standout features
- 4x on dining worldwide and U.S. supermarkets — top-of-market for food spending.
- Up to ~$424 in annual statement credits: $120 Uber Cash, $120 dining, $84 Dunkin', $100 Resy (enrollment required).
- Membership Rewards points transfer to airline and hotel partners like Aeroplan, Flying Blue, and Hilton.
Honest drawbacks
- $325 fee is a 'coupon book' — you only come out ahead if you use the fragmented monthly credits.
- 4x categories have hard annual caps ($50k dining, $25k groceries).
- No intro APR or balance-transfer option; Amex acceptance is still narrower than Visa/Mastercard abroad.
Visit American Express Gold Card →
Link goes directly to American Express Gold Card's own site. Card terms verified September 2026. Issuers change rates, fees, and welcome offers without notice — confirm current terms on the issuer's site before applying.
Sources
- Amex Gold Card (official) (checked Sep 2026)
- The Points Guy: Amex Gold review (checked Sep 2026)
- Bankrate: is Amex Gold worth it? (checked Sep 2026)
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