Earning Rates

The AMEX Gold Card earns Membership Rewards points at the following rates:

  • 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
  • 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
  • 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
  • 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
  • 1X Membership Rewards® point per dollar spent on all other eligible purchases..

Rewards Value & Calculator

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Key Benefits

Here are the main benefits of the AMEX Gold Card:

  • $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
  • $120 Uber Cash: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made at restaurants or U.S. supermarkets. Point caps and terms apply.
  • $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
  • $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations.
  • The Hotel Collection: Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
  • Travel & Purchase Coverage**: Baggage Insurance Plan, Car Rental Loss and Damage Insurance, Purchase Protection, and Extended Warranty.

**Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

Transfer Partners & Conversion Calculator

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Fees

Annual Fee

The AMEX Gold Card has a $325 annual fee. (See Rates & Fees)

The card offers $424 in annual credits, so if you can make use of most of the credits this card offers, you'll easily cover the annual fee. There's even some wiggle room in the case that you miss using the monthly credits a few times per year.

Authorized User Fee

There is no fee to add up to 5 authorized users to the AMEX Gold Card. For the 6th card and onward, it will cost you $35 per card. Adding family and friends can help earn points significantly faster, especially if they spend in the 4X categories.

Foreign Transaction Fee

The AMEX Gold Card has a 0% foreign transaction fee. That means you will not be penalized when making purchases that are not in U.S. Dollars.

This is one of the best credit cards for earning points on dining when traveling internationally thanks to the excellent 4X earning rate.