American Express® Gold Card
See Rates & Fees; Terms Apply
Intro Offer
Annual Fee
Overview
The American Express® Gold Card recently went through some updates, including changes to the annual fee and new credits. Below are some of the credits on this card, as well as its spending multipliers:
Credits
Up to $120 per year of Uber Cash ($10 in Uber Cash each month, after adding your Gold Card to your Uber account)
Up to $120 per year of Dining Credits ($10 in statement credits each month at participating partners, after enrolling)
Up to $84 per year of Dunkin’ Credits ($7 in statement credits each month at Dunkin’, after enrolling)
Up to $100 per year of Rest credits at U.S. Resy restaurants or other eligible Resy purchases ($50 in statement credits semi-annually, after enrolling)
Spending Multipliers
4x points at restaurants worldwide, on up to $50,000 of eligible purchases per calendar year
4x points on groceries at U.S. supermarkets, on up to $25,000 of eligible purchases per calendar year
3x points on flights booked directly with airlines or on amextravel.com
2x points on prepaid hotels and other eligible travel purchases, booked through amextravel.com
1x points on other eligible purchases
Travel Benefits and Protections
The American Express® Gold Card offers some good travel benefits and protections, including the following:
No foreign transaction fees (See Rates & Fees)
Trip delay insurance (See Terms & Conditions)
Baggage insurance plan (See Terms & Conditions)
Car rental loss and damage insurance (See Terms & Conditions)
Access The Hotel Collection through amextravel.com and receive a $100 experience/property credit (credit use varies by property)
Redeeming Points
Redeeming Membership Rewards® points with the American Express® Gold Card comes with several options, with some options being better than others. For example, 60,000 points can be redeemed for $600 worth of flights booked through amextravel.com. But for hotels booked with the American Express® Gold Card through amextravel.com, those same 60,000 points can be redeemed for only around $420 of value. American Express also gives card members the option to transfer points out to a number of great hotel and airline partner programs where redemption values can be potentially even higher when points are strategically transferred.
Conclusion
The American Express® Gold Card has been updated with more credits for an increased annual fee. The four primary credits on this card can provide up to $424 in combined annual value, which may justify the higher cost of this card for some people. The great spending multipliers also make the American Express® Gold Card one of the best options for earning rewards on food spending. If the credits and benefits fit your lifestyle well, then this card is tough to beat!
