American Express Gold
Heavy restaurant + grocery spenders ($1K+/mo on food)
External link to American Express’s own application page.
The American Express Gold costs $325 a year. It earns 4% on dining and 1% on everything else. Forex markup is 0%. These figures are from our catalog and have not yet been re-verified against the issuer.
5-year value calculator
How much American Express Gold actually pays you over time, net of annual fees.
Includes 40% in this card's boost category, 60% general spend.
Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.
What does the American Express Gold earn?
What you earn back, by category.
60,000 Membership Rewards points after $6,000 in 6 months
What do you get with the American Express Gold?
- 4x points at restaurants worldwide (incl. Uber Eats)
- 4x at U.S. supermarkets (up to $25K/year)
- 3x on flights booked direct or via amextravel.com
- $120 annual dining credit ($10/mo at select partners)
- $120 annual Uber Cash
- No foreign transaction fees
Who qualifies for the American Express Gold?
These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.
What 1 American Express Gold point is actually worth
Same points, wildly different values depending on redemption. Most cardholders default to the boring option and never see the upside. Here's the full ladder for American Express Gold:
Singapore KrisFlyer transferBest
1:1 to KrisFlyer. Premium-cabin sweet spots on SQ.
British Airways Avios transfer
1:1 to Avios.
Marriott Bonvoy transfer
1:1 to Marriott Bonvoy.
Amex Travel Online
Welcome bonus, the under-priced lever
60,000 Membership Rewards points after $6,000 in 6 months
Latest on the American Express Gold
What people say about the American Express Gold
Real answers from readers. No login, and nothing here affects our scores.
American Express Gold FAQ
›What is the American Express Gold annual fee?
The annual fee is $325 (joining fee $0).
›What does the American Express Gold earn?
It earns 4% on dining and 1% on everything else.
›What is the American Express Gold forex markup?
The American Express Gold charges 0% forex markup on foreign-currency spends.
›What income do you need for the American Express Gold?
American Express publishes no minimum income requirement for this card; approval rests on your credit profile.
›What is the American Express Gold welcome bonus?
60,000 Membership Rewards points after $6,000 in 6 months.
›Are these American Express Gold figures verified?
These figures are from our catalog and have not yet been re-verified against the issuer.
