The American Express® Gold Card is a premium credit card designed for those who value exclusive perks—especially when it comes to travel and dining—and want to make the most of a top-tier rewards program.
Widely popular in the market, the Amex Gold Card stands out with its strong benefits, generous rewards structure, and special discounts. If you’re curious about this well-established product, here’s everything you need to know.
About the American Express Gold Card
The American Express Gold Card is a global favorite—not just in the U.S. While it may not be the highest-tier card in the Amex lineup, it delivers impressive rewards and remains a strong choice for those who want value and versatility.
It’s especially ideal for frequent travelers and food lovers looking to earn points on everyday spending while enjoying access to exclusive savings and benefits.
Membership Rewards®
One of the highlights of the Amex Gold Card is its Membership Rewards® program—one of the most rewarding on the market. Here’s how it works:
- 4X points at restaurants, including takeout and delivery within the U.S.
- 4X points at U.S. supermarkets, on up to $25,000 per calendar year (then 1X).
- 3X points on flights booked directly with airlines or through Amex Travel.
- 1X point on all other eligible purchases.
Points can be redeemed for travel, merchandise, gift cards, experiences—or transferred to participating airline loyalty programs.
Key Benefits of the Amex Gold Card
Beyond earning points, the American Express Gold Card comes with a range of valuable perks designed to enhance your lifestyle. Some of the standout benefits include:
- $120 in annual dining credits at partners like Grubhub, The Cheesecake Factory, Goldbelly, and others—split into $10 monthly credits.
- $120 in Uber Cash per year—$10 per month to use for Uber rides or Uber Eats orders in the U.S.
- The Hotel Collection access—enjoy room upgrades and a $100 experience credit when you book a minimum two-night stay at participating properties through Amex Travel.
- Travel and shopping protections, including baggage insurance, global assistance, extended warranty, and fraud protection.
- No pre-set spending limit, which means more flexibility based on your purchase habits and payment history.
