American ExpressAmexSnapshot 2026-10-10 ·partially checked against the issuer page on 2026-10-10 (annual fee, welcome offer, purchase APR, earn rates); other figures pending verification

American Express® Gold Card

Foodies, families, and high spenders on dining and groceries looking to rack up premium travel points.

Official Financial Terms & Fees

Annual Fee	$325
Base Earning Rate	1x point per dollar on general purchases
Welcome Bonus Offer	Amex advertises a welcome offer of as high as 100,000 Membership Rewards points after you spend $8,000 in purchases on the card within the first 6 months of Card Membership (seen on 2026-10-10; offers vary).
Regular APR	19.74% - 28.74% Variable (Pay Over Time)
0% Intro APR Window	Purchases: None Balance Transfers: None
Foreign Transaction Fee	None (0%)
Recommended Credit Score	Good to Excellent (670-850)
Official Bank Disclosure	Official American Express Website ↗

✓ Reasons to Choose American Express® Gold Card

✓ 4x Membership Rewards® points at restaurants worldwide (plus takeout and delivery in the U.S.)
✓ 4x points at U.S. supermarkets (up to $25,000 per calendar year, then 1x); 4x at restaurants on up to $50,000 per calendar year
✓ 5x on prepaid hotels via Amex Travel and 3x on flights booked directly with airlines or via Amex Travel
✓ Up to $120 annual dining credit ($10/month at Grubhub, Cheesecake Factory, Goldbelly, Wine.com)
✓ Up to $120 annual Uber Cash ($10/month for U.S. rides and Uber Eats orders)

✕ Drawbacks to Keep in Mind

✕ $325 annual fee requires active use of monthly credits to offset
✕ Supermarket 4x rate limited to $25,000 annual spend and U.S. locations only

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