American Express® Gold Card
Foodies and grocery shoppers
Annual Fee
$325
Bonus Value
$2,000
Rating
4.6/5
Category
Premium Travel
Sign-Up Bonus
Up to 100,000 Membership Rewards points after $6,000 spend in 6 months
Estimated value: $2,000
Rewards Rate
4X restaurants worldwide (up to $50K/year), 4X U.S. supermarkets (up to $25K/year), 3X flights, 1X everything else
Key Perks & Benefits
- +$120 Uber Cash annually ($10/month)
- +$120 dining credit at participating restaurants
- +No foreign transaction fees
- +Best dining rewards in the market
- +Transfer to 21+ airline & hotel partners
Pros & Cons
Pros
- +Best dining rewards (4X)
- +Up to 100K bonus YMMV
- +$240 in credits
Cons
- -$325 annual fee
- -Credits tied to specific merchants
The Bottom Line
The American Express® Gold Card is best suited for foodies and grocery shoppers. With a $325 annual fee, the card needs to deliver at least that much in value through its perks and rewards to be worthwhile. The current sign-up bonus is worth an estimated $2,000, making this a strong time to apply.
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Editorial Note: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, or other company, and have not been reviewed or approved by any of these entities. Credit card offers are subject to change. Please verify terms and conditions on the issuer's website before applying. Some links may be affiliate links — see our disclosure.