American Express Gold Card
A rewards powerhouse for foodies, earning big at restaurants and U.S. supermarkets with monthly dining credits.
Why it ranks
- Excellent dining & grocery rewards
- Useful monthly credits
- No foreign transaction fee
What holds it back
- Annual fee
- Credits split monthly (use-it-or-lose-it)
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
A rewards powerhouse for foodies, earning big at restaurants and U.S. supermarkets with monthly dining credits.
American Express Gold Card at a glance
| Issuer | American Express |
| Card network | Amex |
| Annual fee | $325 |
| Welcome bonus | Membership Rewards points after the minimum spend |
| Rewards rate | 4x at restaurants worldwide, 4x at U.S. supermarkets (up to cap), 3x flights, 1x other |
| Intro APR | None |
| Regular APR | See terms |
| Foreign transaction fee | None |
| Credit needed | Good to Excellent (700+) |
| Best for | Heavy spenders on dining and groceries |
| Airport lounge access | No |
Rewards & benefits
- Monthly dining credit
- Monthly Uber Cash
- Resy & food credits
- Transferable MR points
Eligibility & who it suits
- Good-to-excellent credit
- Best for frequent restaurant/grocery spenders
How to apply
Check current rates on American Express’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar USA cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | AEAmerican ExpressGold$325/yr · US American Express Gold CardHeavy spenders on dining and groceries |
$325/yr | 4x at restaurants worldwide, 4x at U.S. supermarkets (up to cap), 3x flights, 1x… | Membership Rewards points after the minimum spend | None | Good to Excellent (700+) | |
| 2 | COCapital OneSavor Cash RewardsNo annual fee · US Capital One Savor Cash Rewards Credit CardDining, streaming and entertainment spenders with no annual fee |
None | 3% on dining, entertainment, popular streaming services and at grocery stores, 8… | $200+ cash bonus after meeting the minimum spend | None | Good to Excellent (700+) | |
| 3 | UU.S. BankAltitude Go Visa SignatureNo annual fee · US U.S. Bank Altitude Go Visa Signature CardFoodies who want strong dining rewards without a fee |
None | 4x on dining and takeout, 2x at grocery stores, gas/EV charging and streaming, 1… | 20,000+ bonus points after meeting the minimum spend | None | Good to Excellent (700+) |
Reader reviews
No reader reviews yet. Have this card? Share how it has worked for you.
Write a review
Reviews appear after moderation.
Comments & Questions (0)
No comments yet — be the first to ask. Comments appear after review.
Leave a comment
Your comment appears after our team approves it. Or sign in to post faster.