American Express® Gold Card

Earn 4x Membership Rewards points at restaurants and U.S. supermarkets. Includes $120 dining credit and $120 Uber Cash annually.

Last checked on June 10, 2026. We may earn a commission when you click through.

✓ Earn 4x points at restaurants and U.S. supermarkets ✓ $120 annual dining credit ✓ $120 in Uber Cash each year

American Express® Gold Card

Amex · cashback

Our Verdict

The American Express® Gold Card is a rewarding choice for foodies and frequent travelers, offering robust points on dining and groceries.

What it really costs

Annual fee	$250
APR Range	21.99% – 29.99%

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Who it's for

This card is ideal for individuals who dine out frequently and shop at U.S. supermarkets, maximizing rewards on everyday spending.

Watch out

Be mindful of the annual fee and ensure your spending aligns with the card's rewards structure to make it worthwhile.

The good and the not so good

Earn 4x points at restaurants and U.S. supermarkets
$120 annual dining credit
$120 in Uber Cash each year
60,000 points sign-up bonus after $6,000 spend
Good to excellent credit score required

$250 annual fee
No traditional APR (charge card)
Higher spending requirement for sign-up bonus
Limited travel benefits compared to premium cards
Foreign transaction fees may apply

In-Depth Review

The American Express® Gold Card stands out in the crowded field of rewards cards, particularly for those who prioritize dining and grocery purchases. With the ability to earn 4x Membership Rewards points at restaurants and U.S. supermarkets, it's a compelling option for food enthusiasts. Additionally, the annual $120 dining credit and $120 in Uber Cash enhance its value, effectively offsetting a portion of the $250 annual fee. However, potential cardholders should consider whether their spending habits will justify the fee. The requirement to spend $6,000 within the first six months to earn the sign-up bonus of 60,000 points may be daunting for some. Unlike many premium cards, the Gold Card lacks extensive travel benefits and charges foreign transaction fees, making it less appealing for international travelers. Overall, while it excels in rewards for domestic dining and groceries, those seeking comprehensive travel perks may want to explore other options like the Platinum Card from American Express, which offers a broader range of travel benefits.

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