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Amex Gold
American Express Gold is a high-earning food-and-travel card for U.S. households that spend heavily at restaurants and U.S. supermarkets, transfer Membership Rewards points intentionally, and already use the merchants covered by its monthly and semiannual credits. The current card charges a $325 annual fee, earns 4x at restaurants worldwide up to $50,000 per calendar year and 4x at U.S. supermarkets up to $25,000, then 1x, and offers several travel categories. Its $120 dining, $120 Uber Cash, $100 Resy, and $84 Dunkin credits can total $424 annually, but enrollment, merchant, geographic, and use-by-period rules create breakage. A 19.49%–28.49% variable Pay Over Time APR makes carrying a balance incompatible with the reward strategy.
What to know about Amex Gold
American Express Gold is a high-earning food-and-travel card for U.S. households that spend heavily at restaurants and U.S. supermarkets, transfer Membership Rewards points intentionally, and already use the merchants covered by its monthly and semiannual credits. The current card charges a $325 annual fee, earns 4x at restaurants worldwide up to $50,000 per calendar year and 4x at U.S. supermarkets up to $25,000, then 1x, and offers several travel categories. Its $120 dining, $120 Uber Cash, $100 Resy, and $84 Dunkin credits can total $424 annually, but enrollment, merchant, geographic, and use-by-period rules create breakage. A 19.49%–28.49% variable Pay Over Time APR makes carrying a balance incompatible with the reward strategy.
Pros
- 4x at restaurants worldwide and U.S. supermarkets within generous annual caps
- Transferable Membership Rewards plus stronger current Amex Travel earning
- Up to $424 across dining, Uber, Resy, and Dunkin benefits when naturally used
Cons
- $325 annual fee and fragmented monthly or semiannual credits
- 19.49%–28.49% variable Pay Over Time APR on eligible charges
- Merchant coding, enrollment, U.S.-only benefits, and caps create breakage
Scoring breakdown
- Rewards4.9/5
- Fees3.8/5
- APR3.5/5
- Benefits4.8/5
- Customer Service4.5/5
Verified product facts
- Annual Fee
- $325 for the Basic Card; first five Additional Cards $0, then $35 each
- Rewards
- 4x restaurants worldwide up to $50,000/year; 4x U.S. supermarkets up to $25,000/year; 5x prepaid hotels, 3x eligible flights, 2x prepaid car rentals and cruises through Amex Travel; terms apply
- Purchase APR
- 19.49%–28.49% variable APR on eligible Pay Over Time charges; other charges may be due in full
Where Amex Gold ranks
Every DollarScout ranking that includes Amex Gold.
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Fact-checked July 18, 2026. Sources: American Express Gold current fee, APR, rewards, and credit terms, American Express Gold current membership benefits guide, American Express Membership Rewards redemption FAQ, American Express Gold Card member agreement, American Express travel insurance and shopping benefit policies, CFPB credit-card grace-period guidance.