MoneyGeek’s Take

American Express® Gold Card Review

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Updated: July 4, 2024

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American Express® Gold Card

Rewards RateEarn 4X Membership Rewards® Points at Restaurants,...
APRSee Pay Over Time APR
Annual Fee$250
Recommended Credit670-850 (Good to Excellent)

The American Express® Gold Card provides a range of rewards and perks, particularly in the areas of dining and travel. For individuals who frequently dine out or travel, the rewards earned in these categories can generate significant value. Beyond rewards, this card also offers a suite of services and protections that enhance the cardholder's experience. However, it's important to note that the benefits it provides come with certain costs, namely a sizable annual fee.

American Express® Gold Card Overview

The American Express® Gold Card is designed to help you earn bonus points at restaurants, supermarkets and on select travel purchases. Additionally, it offers some useful annual credits for everyday expenses to help you offset the cost of the annual fee. Here's an overview of the card's details.

  • Rewards rate: 4X Membership Rewards® points at restaurants, plus takeout and delivery in the U.S., 4X points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1 point per dollar), 3X points on flights booked directly with airlines or through American Express Travel and 1X points on other purchases
  • Welcome offer: Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership. Terms Apply
  • Regular APR: See Pay Over Time APR see terms
  • Annual fee: $250
  • Intro APR offer: None
  • Terms Apply
  • See Rates and Fees

Important Card Details

The American Express® Gold Card has a lot to offer, but its high annual fee means it may not be right for everyone. It's important to make sure the features of this card align with your lifestyle and spending patterns in order to get the best value.

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    Rewards For Foodies

    Whether you're a fan of dining out or eating in (or both!), this card has you covered on the rewards front, offering 4X points on restaurants and on purchases at U.S. supermarkets (up to $25,000 per calendar year, then 1X points). You'll also get a decent rewards rate on eligible flights, although it's not the highest around. It's worth noting that the cap for supermarket spending is pretty high and, depending on how much you spend on groceries, may yield considerably more in rewards than a card with a higher rate and lower cap. Terms Apply.

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    Good Welcome Offer

    While it's not the highest welcome offer we've seen for this card, you can currently earn 60,000 Membership Rewards® Points after spending $6,000 on all eligible purchases within the first six months. This is not an unreasonable spend requirement given you have half a year to earn it. Terms Apply.

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    Regular APR

    The APR for the American Express® Gold Card will vary depending on creditworthiness. See the Pay Over Time APR (see terms) for details.

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    High Annual Fee

    This card has an annual fee of $250, which is on the higher side. However, you can more than offset the cost by making the most of the bonus reward categories and utilizing the additional credits.

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    Entertainment Credits

    With annual credits for Uber, dining at eligible restaurants and various activities at The Hotel Collection, it's clear this card was made with luxury entertainment in mind. You'll also get access to presale event tickets, preferred event seating and discounts on select dining and entertainment offers.

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    No Foreign Transaction Fee

    With no foreign transaction fees, you can easily use the card while on an international trip and earn points at the same time. See Rates and Fees

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    High Customer Satisfaction

    According to J.D. Power's 2022 Credit Card Satisfaction Study, American Express scored the highest customer satisfaction rating among all major issuers.

How the American Express® Gold Card Compares To Other Cards

With its high rewards rate and no foreign transaction fees, the American Express® Gold Card holds its own against the competition. However, assessing how it compares to other rewards cards comes down to what you're looking for in a card.

How This Card Compares

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American Express® Gold Card

  • Rewards rate: 4X Membership Rewards® points at restaurants, plus takeout and delivery in the U.S., 4X points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1 point per dollar), 3X points on flights booked directly with airlines or through American Express Travel and 1X points on other purchases
  • Welcome offer: Earn 60,000 membership rewards points after spending $6,000 on all eligible purchases within the first six months of your account
  • Regular APR: See Pay Over Time APR see terms
  • Annual fee: $250 See Rates and Fees
  • Intro APR offer: None
  • Terms Apply
  • See Rates and Fees
  • Best for: Foodies who like to travel
creditCard1 icon

Capital One Venture X Rewards Credit Card

  • Rewards rate: 10X miles on hotels and rental cars booked through Capital One Travel, 5X miles on flights through Capital One Travel and 2X miles on other purchases
  • Welcome offer: Earn 75,000 miles after spending $4,000 on purchases in the first three months
  • Regular APR: 22.24% to 29.24% (variable)
  • Annual fee: $395
  • Intro APR offer: None
  • Best for: Great travel bonus categories and a generous flat rewards rate

About Doug Milnes, CFA


Doug Milnes, CFA headshot

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.

Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.


*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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