American Express® Gold Card
Issued by American Express · $325/yr annual fee
Welcome bonus
60,000 points
After $6,000 spend in 6 months
Public offer 'as high as' 100K (eligibility-tiered); 60K is the conservative baseline. AF raised from $250 to $325 in 2024 Gold refresh, which added $84 Dunkin' credit, increased dining credit, and Resy credits.
Key benefits
- ›$120 annual dining credit ($10/mo at Grubhub, Cheesecake Factory, etc.)
- ›$120 annual Uber Cash ($10/mo)
- ›$100 hotel credit via Amex Hotel Collection
- ›No foreign transaction fees
Earn rates
| Restaurants worldwide | 4× |
| US supermarkets (up to $25k/yr) | 4× |
| Flights booked direct or Amex Travel | 3× |
| All else | 1× |
Why this card
Effective AF ~$10 after dining + Uber credits for anyone who uses them. The 4x dining + groceries is among the highest earn rates anywhere. Gateway to Amex MR for international premium cabin transfers.
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