4.6 / 5 \u00b7 Bonus Eagle score
American Express
Gold Card
Welcome bonus
60,000Membership Rewards
Annual fee
$325
Purchase APR
20.49% – 27.49%
Credit needed
Good (670+)
on American Express's secure site
The bottom line
The Gold is the foodie's points card. 4x on restaurants AND 4x on U.S.
At a glance
Pros and cons.
Pros
- 4x on dining is the best in the market
- 4x on US supermarkets up to $25K
- Dining credits at Grubhub, Resy, Five Guys
- No foreign transaction fees
Cons
- Multiple monthly credits require enrollment
- No automatic primary rental car insurance
The editorial review
Our take on this card.
The Gold is the foodie's points card. 4x on restaurants AND 4x on U.S. supermarkets is the most lucrative dining/grocery combination available — it's how a couple who spends $1,500/mo across both can earn 72,000 points/year just from existing habits. The $325 fee is high, but the $240 in dining/Uber credits cushions it.
How you earn
Rewards by category.
Restaurants worldwide
4x
U.S. supermarkets (up to $25K/yr)
4x
Flights direct or via Amex Travel
3x
All other purchases
1x
Rates and fees
The full disclosure.
All rates and fees current as of publication. Verify against the issuer's official Terms and Conditions before applying.
Annual fee
$325
Purchase APR
20.49% – 27.49%
Foreign transaction fee
None
Frequently asked
Questions readers ask.
Yes - it's arguably the best dining card available. The Gold earns 4 points per dollar at restaurants worldwide AND at US supermarkets (up to $25K per year). For anyone who spends $300+ per month combined on dining and groceries, the card's welcome bonus and earn rates make the $325 fee easy to justify.
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