EXPRESS
American Express Gold
Heavy restaurant + grocery spenders ($1K+/mo on food)
External link to American Express. We may earn a referral commission, at no cost to you.
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.
Reward rates
What you earn back, by category.
60,000 Membership Rewards points after $6,000 in 6 months
What you get
- 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
Eligibility
These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.
Best SaaS to pay with the American Express Gold
The SaaS subscriptions where American Express Gold earns the most for you — ranked by net annual savings vs a default 3.5%-forex retail card. If your stack covers all six, the modelled savings stack to ≈ ₹1,23,420/yr.
Greenhouse
American Express Gold pays 1% rewards on Greenhouse.
Drift
American Express Gold pays 1% rewards on Drift.
Vanta
American Express Gold pays 1% rewards on Vanta.
Drata
American Express Gold pays 1% rewards on Drata.
Trello
4% rewards on productivity category — better than the 1% default.
PostHog
4% rewards on marketing category — better than the 1% default.
More cards in the US
Chase Sapphire Preferred
Chase
First-time travel-rewards card, sweet-spot earn rates
Citi Double Cash
Citi
Set-it-and-forget-it 2% on everything
Capital One Venture
Capital One
Simple travel earn — 2x on every dollar, no categories to track