American Express Gold Card
American Express · Reward Points · Reward Points
This comprehensive guide covers the American Express Gold Card's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The American Express Gold Card from American Express offers reward points rewards redeemable as reward points. Top earning categories include 4x at restaurants & delivery and more. Annual fee is $325 (no standard fee waiver; dining and uber credits offset effective cost).
Best for: Dining, Grocery, Travel, General Online
Official product page → Official rules →
Waiver: No standard fee waiver; dining and Uber credits offset effective cost
Reward Rules
- 4 pts/$100 4x at restaurants & delivery (cap: $2,000)
- 4 pts/$100 4x at U.S. supermarkets (cap: $1,000)
- 3 pts/$100 3x on flights booked directly
- 1 pts/$100 1x everywhere else
Important Notes
- 4x dining capped at $50,000 spend per calendar year.
- 4x U.S. supermarkets capped at $25,000 per calendar year; excludes Walmart, Target, and wholesale clubs.
- Monthly dining credits ($10/month at select partners) and Uber credits ($10/month).
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
American Express Gold Card vs Similar Cards
- Blue Cash Everyday Card from American Express — 3% top rate · $0
- The Business Platinum Card from American Express — Reward Points · $695
- American Express® EveryDay® Credit Card — Reward Points · $0
Maximize Your Rewards
To earn the highest rewards, use the American Express Gold Card for its bonus categories: Dining, Grocery, Travel, General Online, Electronics Accessories.