The American Express® Gold Card is beloved by many of us at TPG, as it is one of the best rewards cards for dining and spending at U.S. supermarkets.
The card also features multiple statement credits related to dining services and restaurants for a $325 annual fee (see rates and fees).
Apply here: American Express® Gold Card — Earn 60,000 Membership Rewards Points after spending $6,000 in eligible purchases in the first six months of card membership.
Let’s take a look at why you should consider adding the Amex Gold to your wallet.
American Express Gold welcome offer
New applicants can earn 60,000 points after spending $6,000 on purchases in the first six months of card membership.
This is the standard welcome offer on the card, worth up to $1,200, based on TPG’s February 2025 valuations.
However, the CardMatch tool could allow you to earn a higher targeted bonus, so check that first. (Offers are subject to change at any time.)
Related: How can I get a higher, targeted credit card introductory bonus?
Should you apply for the Amex Gold card?
The American Express Gold Card is one of the best cards for dining and grocery purchases, but it also offers ongoing perks that can easily justify and cover the card’s annual fee.
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The Amex Gold has many lucrative bonus-earning categories:
- 4 points per dollar on dining at restaurants on up to $50,000 per calendar year (then 1 point per dollar)
- 4 points per dollar on up to $25,000 in purchases at U.S. supermarkets per calendar year (then 1 point per dollar)
- 3 points per dollar on flights booked directly from the airline or through amextravel.com
- 2 points per dollar on prepaid hotels booked through amextravel.com
- 1 point per dollar on all other eligible purchases
Additionally, Amex Membership Rewards can transfer to 18 airlines and three hotel partners, including valuable programs such as Air Canada Aeroplan and Air France-KLM Flying Blue.
You can maximize your rewards by booking aspirational business-class tickets or picturesque stays at island resorts for far less than their cash equivalent.
Cardmembers get up to $10 a month (up to $120 a year) in dining credits at participating merchants, including Five Guys, Goldbelly, Grubhub, The Cheesecake Factory and Wine.com. (Enrollment is required; terms apply.)
Cardmembers also receive up to $10 in Uber Cash monthly (up to $120 a year) for Uber Eats and Uber rides in the U.S. You must add the Amex Gold card to the Uber app to receive the Uber Cash benefit. (Enrollment is required; terms apply.)
In addition, cardmembers receive up to $100 in Resy credits annually, which are divided into two up to $50 credits bi-annually. To use them, dine at a participating Resy restaurant and pay your bill with the Amex Gold card. (Enrollment is required; terms apply.)
Finally, cardmembers receive up to $7 a month (up to $84 annually) in Dunkin’ credits. You simply use your Amex Gold card when paying at U.S. Dunkin’ locations. (Enrollment is required; terms apply.)
Related: 5 under-the-radar ways to maximize the Amex Gold’s dining credits
Bottom line
Earning so many bonus points at restaurants worldwide and U.S. supermarkets is huge. Amex Membership Rewards points are highly valuable, and there are many great redemption options. If you fully utilize all the statement credits, you can get $424 in value each year, which easily covers the $325 annual fee.
TPGers continue to carry the Amex Gold year after year. Given its food-geared statement credits, strong earning rates on dining and groceries and ability to earn transferable points, it probably deserves a place in any frequent traveler’s wallet.
To learn more, read our full review of the Amex Gold.
Apply here: American Express Gold Card
For rates and fees of the American Express Gold Card, click here.
