Benefits of the American Express® Gold Card

Maximize rewards on dining, travel, and daily spending. Turn expenses into experiences with the Amex Gold Card. Unlock its benefits today!

4X points on restaurants worldwide and U.S. supermarkets (up to annual limits).
$120 in Uber Cash for Uber Eats orders and rides within the U.S.
$120 dining credits at select partners like Grubhub and The Cheesecake Factory.
No foreign transaction fees – save on international purchases.

The American Express® Gold Card stands out as a premium credit card in the personal finance world for offering generous rewards, especially designed for food lovers and frequent travelers. If you enjoy culinary experiences, want to save on everyday purchases, and effectively earn points, this card could be an excellent choice for you. Below, we explore its most notable benefits.

Rewards on everyday spending

The American Express® Gold Card excels with its Membership Rewards® program, allowing you to earn points generously:

4X points at restaurants worldwide, including takeout and delivery services, on up to $50,000 in purchases per year. After that, you earn 1X point.
4X points at U.S. supermarkets, on up to $25,000 annually—perfect for grocery shoppers.
3X points on flights booked directly with airlines or through AmexTravel.com.
2X points on prepaid hotels and eligible purchases booked through AmexTravel.com.
1X point on all other eligible purchases

With these categories, earning points on everyday spending becomes simple, helping you maximize purchases and redeem points for travel, shopping, and more.

Exclusive dining benefits

If you consider yourself a foodie, this card offers unique credits and perks that can easily cover the annual fee:

$120 Uber Cash: By adding your card to your Uber account, you’ll receive. $10 monthly for Uber Eats orders or rides within the U.S.
$120 dining credits: Earn up to $10 monthly in credits when you pay with the card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
$100 Resy Credit: Receive up to $50 semi-annually when dining at U.S. Resy restaurants or making other eligible Resy purchases. This is perfect if you enjoy elegant dinners or reservations at select establishments.
$84 Dunkin’ Credit: Save up to $7 monthly when using the card at Dunkin’ locations in the U.S. after enrollment.

Altogether, these perks add up to over $500 in annual credits, which can easily offset the $325 annual fee if used strategically.

Travel and convenience benefits

The American Express® Gold Card is also a reliable travel companion:

No foreign transaction fees, helping you save on international purchases.
Access to The Hotel Collection: Book two or more nights at select hotels through AmexTravel.com and receive a $100 credit for eligible charges like dining or spa services.
Baggage protection: Coverage for lost, damaged, or stolen luggage when you pay for your full fare with the card.
Car rental insurance: Protects your rental vehicle when you pay with your card and decline coverage at the rental company counter.

You’ll also gain access to tools like the Global Assist® Hotline, offering 24/7 emergency assistance when you’re more than 100 miles from home.

Flexible payment options with Plan It® and pay over time

The card offers flexible payment solutions:

Pay Over Time: Allows you to carry a balance with interest on selected purchases.
Plan It®: Split large purchases into fixed monthly payments with a pre-set fee, reducing the pressure of paying everything at once.

Why the American Express® Gold Card stands out

This card is ideal for:

Individuals who frequently spend on restaurants and groceries and want to earn rewards on everyday purchases.
Frequent travelers looking to efficiently accumulate points for flights and hotels.
Food enthusiasts who want to enjoy exclusive dining credits and premium culinary experiences.

Is the American Express® Gold Card right for you?

The American Express® Gold Card combines a solid rewards structure with dining and travel benefits, making it a unique card for those who value premium experiences. While its $325 annual fee might seem high, the credits and rewards can easily offset the cost if fully utilized. If your spending habits align with its key categories, this card could be the perfect addition to your wallet.

If you’re ready to maximize your purchases and enjoy exceptional culinary and travel experiences, consider the American Express® Gold Card as your next financial tool.