THE CARDTUNED DATABASE
American Express Gold Card
Issuer: American Express
4X restaurants worldwide up to $50,000/year then 1X; 4X U.S. supermarkets up to $25,000/year then 1X; 5X prepaid hotels through Amex Travel; 3X flights through Amex Travel or directly with airlines; 2X prepaid car rentals through Amex Travel and cruises booked and paid through Amex Travel; 1X other eligible purchases
- Annual fee
- $325
- Foreign transaction fee
- $0
- Intro APR
- None
- Regular APR
- See current Rates & Fees; variable Pay Over Time APR
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
Up to 100,000 Membership Rewards points after $8,000 in 6 months; applicant-specific offer
- Spending requirement
- $8,000 in eligible purchases
- Time window
- First 6 months of Card Membership
Offer last checked: 2026-09-30
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Dining | 4X | restaurants worldwide up to $50,000/year then 1X |
| Groceries | 4X | U.S. supermarkets up to $25,000/year then 1X |
| Hotels | 5X | prepaid hotels through Amex Travel 4X restaurants up to $50,000/year; 4X U.S. supermarkets up to $25,000/year |
| Flights | 3X | flights through Amex Travel or directly with airlines |
| Car rentals & Cruises | 2X | prepaid car rentals through Amex Travel and cruises booked and paid through Amex Travel |
| Other purchases | 1X | other eligible purchases |
Additional benefits
• Up to $120 Dining Credit, issued as up to $10 monthly statement credits at eligible partners; enrollment required
• Up to $120 Uber Cash, issued as $10 monthly for eligible U.S. rides or orders after adding the Card to Uber
• Up to $100 Resy Credit, split into up to $50 semiannual statement credits; enrollment required
• Up to $84 Dunkin' Credit, issued as up to $7 monthly statement credits; enrollment required
• $100 property credit on eligible The Hotel Collection stays of 2 nights or more booked through Amex Travel
• Complimentary Hertz Five Star status; enrollment required
Restrictions to know
4X restaurants capped at $50,000/year then 1X; 4X U.S. supermarkets capped at $25,000/year then 1X; travel bonus categories require eligible Amex Travel or direct-airline bookings. Current Resy welcome offer is up to 100,000 points after $8,000 in the first 6 months. The actual offer varies by applicant and eligibility may be unavailable; confirm terms before accepting.
Who can apply
Public U.S. consumer application; offer varies
Credit profile: Good–Excellent