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.

American Express Gold Card at a glance

Rewards & perks

• 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

Who should apply

• Credit in the good-to-excellent range
• Suits people who spend a lot at restaurants and grocery stores

Before you apply: card terms change often. Confirm the current annual fee, APR, welcome offer and rewards on the official American Express site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.