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American Express® Gold
American Express

American Express® Gold

A $325-a-year travel rewards card from American Express.

Limited-Time Offer
Transfers to airlines & hotels
Annual fee
$325/yr
Welcome bonus
60,000 100,000 Membership Rewards® Points
Min spend
$8,000 in 6 months
Recommended credit
Good to Excellent (700+)
Network
Amex
Foreign transaction fee
None
Apply on American Express site8.5/10Our rating · review ›

Rates, fees, and full terms are set by American Express and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.

Before you apply: American Express application and welcome-bonus rules →
Offer last verified July 24, 2026. How we verify.

Is this card right for you?

✓ Best for

people who spend heavily on dining, groceries, and travel and want travel rewards they can grow.

⚠ Think twice if

you will not use enough of its perks and credits to cover the $325 annual fee.

Earning rates

4x points at U.S. restaurants
4x points at U.S. supermarkets (up to $25k/yr)
3x points on flights booked direct or via Amex Travel

Best ways to earn & redeem

Put your dining, groceries, and travel spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus. Its dining rate is among the stronger ones you will find in that category.

When you cash in, transfer the points to airline and hotel partners for potential outsized value, or take a flat 1 cent as cash or travel. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.

Features & benefits

$120 Uber Cash credit ($10/month for Uber Eats or rides)
$120 dining credit ($10/month at Grubhub, The Cheesecake Factory & more)
$100 Resy credit ($50 semi-annually at Resy restaurants)
$84 Dunkin' credit ($7/month)
No foreign transaction fees
Baggage insurance plan and trip delay reimbursement
Purchase protection and extended warranty
Car rental loss and damage insurance

Statement credits

$120 Uber Cash ($10/month)
$120 dining credit ($10/month at Grubhub & more)
$100 Resy credit ($50 semi-annually)
$84 Dunkin' credit ($7/month)

Transfer partners

Your Membership Rewards transfer directly to airline and hotel loyalty programs, usually at 1:1. That is where transferable points beat flat cash back, because the right award can be worth well over 1 cent each. Major partners include:

Airline partners

Delta SkyMiles, British Airways, Air France/KLM, Singapore Airlines, ANA, Avianca LifeMiles, Emirates Skywards

To see what a specific flight award actually costs, look up live mileage prices and seat availability on seats.aero.

Hotel partners

Marriott Bonvoy, Hilton Honors, The Leading Hotels of the World

You can check the live points price for a specific stay on rooms.aero.

See the full American Express ecosystem, card lineup, and live transfer bonuses →

Alternatives to the American Express® Gold

Pairs well with

The American Express® Gold is an American Express transfer hub. Pair it with these strong Membership Rewards earners, whose points pool into it so you can transfer the combined balance.

Learn more

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the American Express® Gold lands.

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