The
American Express® Gold Card is a good card that is worthwhile for people with good credit or better who are heavy spenders. Amex Gold provides rewards rates that are above the market average in addition to a welcome offer of
60,000 points for spending $6,000 in the first 6 months after opening an account.
Amex Gold provides a couple of other interesting perks, too. First of all, it gives you up to $120 per year in Uber Cash for Uber Eats orders (or Uber rides) in the U.S, when you add your card in your Uber account. You can also get up to $120 in credits each year for purchases from a list of dining partners, including Grubhub and select Shake Shack locations, when you enroll.
You’ll need to take full advantage of Amex Gold’s rewards and benefits for the card to be worth its
$250 annual fee.
American Express Gold Card Review Highlights
Initial Bonus
New cardholders earn
60,000 points for spending
$6,000 within
6 months. That’s worth roughly
$402, depending on how you redeem. The average rewards card with points or miles gives
30,381 points/miles as an initial bonus.
Restaurant Rewards
4 points per $1 at restaurants worldwide. This is one of the highest earning rates available from a card for restaurant purchases and this rate also applies to takeout and delivery expenses in the U.S.
Rewards at U.S. Supermarkets
4 points per $1 at U.S. supermarkets, up to $25,000 spent per year, then 1 point per $1. The average person spends a bit more than $4,000 per year on groceries, according to the Bureau of Labor Statistics.
$0 Foreign Transaction Fee
Just make sure the merchants in your favorite international destinations accept Amex, if the Amex Gold Card’s
0% foreign fee is relevant to your situation.
$120 Uber Cash Annualy
Up to $10 in Uber Cash per month, when you add your Gold Card to your Uber account. This applies automatically for Uber Eats orders or Uber rides in the U.S., up to $120 per year.
Dining Credits
Up to $10 per month ($120 per year), when enrolled. Eligible dining partners are Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations.
Airfare Rewards
3 points per $1 spent on flights booked directly with airlines or on amextravel.com. So you’ll have to give up shopping around for the best deals on airfare on your favorite travel-comparison websites to get this high rate.
“Pay Over Time” Feature
Eligible purchases will be included in a Pay Over Time interest-accruing balance to be paid down over an extended period, up to the Pay Over Time Limit. Amex must approve transactions for Pay Over Time status, otherwise it must be paid in full each month by the payment due date.
No Preset Spending Limit
The Amex Gold’s limit varies based on each cardholder’s spending and payment habits as well as other factors.
$250 Annual Fee
Amex Gold still could be worth it if you get at least this much value from the card’s rewards and other perks each year.
Credit Needed
Good or excellent. For good Amex Gold approval odds, you’ll want a credit score of 700 or higher. You can check your latest credit score for free on WalletHub.
To see how the American Express Gold Card compares to some popular alternatives, check out our editors’ reviews of the best Amex credit cards and the best luxury credit cards available right now. You can also find the answers to some Amex Gold FAQs from the Q&A section at the bottom of this page.
