Rewards and Lifestyle

Elevate Your Everyday: The American Express® Gold Card

Unlock premium rewards on dining and groceries, plus valuable statement credits.

American Express® Gold Card

A powerhouse for earning Membership Rewards® points on your daily spending.

Annual Fee: $250
Rewards Rate: 4X on Dining & Groceries
Intro Offer: 60,000+ Membership Rewards® Points
Credit Score: 700-850

American Express® Gold Card

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Considering Credit Limits and Spending Power

As a premium charge card (with Pay Over Time options), the American Express® Gold Card doesn’t have a pre-set spending limit, offering significant flexibility. Your spending power adjusts based on your card use, payment history, credit record, and financial resources. While there isn’t a fixed “limit,” Amex assesses your capacity to ensure responsible use.

EXPLORE SPENDING POWER

UNDERSTAND PAY OVER TIME

REVIEW CARD MEMBER AGREEMENT

Feast on Rewards: 4X Points on Dining & Groceries

The **American Express® Gold Card** is a powerhouse for earning rewards on everyday essentials. You earn an incredible 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), and 4X points at restaurants worldwide, including takeout and delivery in the U.S. Plus, receive up to $120 in annual dining credits (up to $10/month) and up to $120 in annual Uber Cash (up to $10/month), making the card’s effective annual fee significantly lower for those who utilize these benefits.

American Express® Gold Card

Earn 4X Membership Rewards® points on dining and U.S. supermarkets.

View All Amex Gold Benefits

The Streamlined Application Process

Ready to add the American Express® Gold Card to your wallet? The application process is straightforward and can be completed online in just a few minutes. American Express is known for its user-friendly application experience. Ensure you have your personal and financial details ready for a smooth submission.

An Excellent Alternative: Delta SkyMiles Blue American Express Card

If you’re exploring other premium travel and dining rewards cards, the **Delta SkyMiles Blue American Express Card** is a strong alternative. It offers 3X points on dining, 2X on travel, and its points are worth 25% more when redeemed for travel through Chase Ultimate Rewards®. It also allows 1:1 point transfers to airline and hotel partners, making it a versatile choice for travel enthusiasts.

Delta SkyMiles Blue American Express Card

Earn 60,000 bonus points after spending $4,000 in 3 months.

Explore Chase Sapphire Preferred

Frequently Asked Questions About the American Express® Gold Card

: You earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year) and 4X points at restaurants worldwide, including takeout and delivery in the U.S.
: The annual fee is $250. It can be largely offset by up to $120 in annual dining credits (up to $10/month) and up to $120 in annual Uber Cash (up to $10/month), totaling up to $240 in credits.
: Yes, this is one of the most valuable features. You can transfer your Membership Rewards® points 1:1 to over 20 airline and hotel loyalty programs, including Delta SkyMiles, British Airways Executive Club, and Marriott Bonvoy.
: No, the American Express® Gold Card has no foreign transaction fees, making it an excellent card for international travel and purchases.
: Applicants generally need an excellent credit score, typically a FICO score of 700 or higher, to be approved for the American Express® Gold Card.