The Credit Ledger

Card review

American Express Gold Card review

American Express · American Express

4.1 / 5 How we rate

Best card for dining and U.S. supermarket rewards

Annual fee $325
Welcome bonus Up to 100,000 Membership Rewards points after $8,000 spend in 6 months (offer varies by applicant)
Rewards rate Up to 4X
Intro APR (purchases) None
Intro APR (balance transfers) None
Regular APR 19.49% to 28.49% variable (Pay Over Time)
Foreign transaction fee None
Recommended credit Good to Excellent (690-850)

Rewards

  • 4X Restaurants worldwide, including takeout and delivery (Up to $50,000 per year, then 1X)
  • 4X U.S. supermarkets (Up to $25,000 per year, then 1X)
  • 5X Prepaid hotels booked via Amex Travel
  • 3X Flights booked direct or via Amex Travel
  • 1X All other eligible purchases

Key perks

  • Up to $120 annual dining credit ($10 monthly, enrollment required)
  • Up to $120 Uber Cash annually ($10 monthly) for U.S. rides and Uber Eats
  • Up to $100 Resy statement credit per year at eligible U.S. restaurants
  • Up to $84 Dunkin annual credit ($7 monthly, enrollment required)
  • No foreign transaction fees
  • Membership Rewards points transferable to airline and hotel partners

Pros

  • Strong 4X earning on dining worldwide and U.S. supermarkets
  • Over $400 in annual credits can offset the $325 fee for active users
  • No foreign transaction fees
  • Membership Rewards points are flexible and transferable

Cons

  • $325 annual fee is high if you do not use the credits
  • Statement credits are monthly and require tracking and enrollment
  • Supermarket 4X is capped and excludes warehouse clubs
  • As a charge card, balances are generally due in full each cycle
  • Amex acceptance is narrower than Visa or Mastercard abroad

The bottom line

American Express Gold Card scores 4.1 out of 5 in our rubric. Best card for dining and U.S. supermarket rewards. Current welcome offer: Up to 100,000 Membership Rewards points after $8,000 spend in 6 months (offer varies by applicant).

Rates and offers verified 2026-07. Terms change often, so confirm the current details on the issuer's site before you apply.

Sources