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⚖ Add to comparisonAmerican Express · Amex
American Express Gold Card
Best for people who spend a lot on restaurants and U.S. supermarkets, where the 4x rate is hard to beat; outside those it's just 1x, so it's a weak single-card setup. At $325 a year (as of 2026), $6,000 of grocery spend earns 24,000 points, and the monthly dining/Uber credits offset much of the fee if you actually use them month to month. The supermarket bonus is capped annually, so big grocery bills eventually drop to 1x. Confirm caps and credits on americanexpress.com.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓Dining credit issued monthly
- ✓Uber Cash each month
- ✓Credits for Resy and food
- ✓Membership Rewards points you can transfer
👍 Pros
- + Strong earnings on dining and groceries
- + Monthly credits that are easy to put to use
- + No fee on foreign purchases
👎 Cons
- – Has an annual fee
- – Credits come monthly, so unused amounts don't roll over
Can you get it?
- ▸Credit in the good-to-excellent range
- ▸Suits people who spend a lot at restaurants and grocery stores
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
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