View OfferSecure site · Updated July 2026
- Intro bonus
- 60,000 points
- Rewards rate
- 1x–4x points
- Annual fee
- $325
- Regular APR
- See Pay Over Time
Why it stands out
American Express Gold Card highlights
- 60,000-point bonus after $6,000 spend in 6 months
- 4x points at restaurants and US supermarkets (up to $25K)
- Up to $120 dining credit and $120 Uber Cash yearly
- 3x points on flights booked direct or through Amex Travel
The verdict at a glance
Pros and cons
Pros
- Top-tier earning on the two biggest household spend categories
- Membership Rewards transfer to a deep partner roster
- Credits can fully cover the fee if you use them
Cons
- $325 annual fee is the highest in this lineup
- Credits arrive monthly and expire if unused
- Not a true credit card, so balances are due in full
Our full review
Our take on American Express Gold Card
The Gold Card earns 4x on dining and US supermarkets, which rewards households that spend heavily on food. Statement credits offset part of the steep $325 fee, but you have to actually use them to come out ahead.
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Figures shown are illustrative editorial examples and may change. Confirm current rates, fees, and terms on American Express Gold Card’s own site before you apply.
The alternatives
How American Express Gold Card compares
Other top-rated cards in Credit Cards. Compare the numbers side by side before you decide.
| # | Provider | Rating | Intro bonus | Best for | |
|---|---|---|---|---|---|
| 1 | Chase Sapphire Preferred | 60,000 points | Travelers who want outsized point value | View Offer | |
| 2 | Capital One Venture Rewards | 75,000 miles | Flat-rate earners who hate juggling categories | View Offer | |
| 3 | Discover it Cash Back | Cashback Match year 1 | Category chasers who want zero fees | View Offer | |
| 4 | Wells Fargo Active Cash | $200 cash | People who want 2% on every purchase | View Offer |
- Chase Sapphire Preferred4.9Best for Travelers who want outsized point value
- Capital One Venture Rewards4.7Best for Flat-rate earners who hate juggling categories
- Discover it Cash Back4.6Best for Category chasers who want zero fees
- Wells Fargo Active Cash4.4Best for People who want 2% on every purchase