American Express Gold Card Review: 60,000 Points, 4X on Dining and Groceries, and Up to $528 in Annual Credits

The Amex Gold Card is a top-tier rewards card built for food lovers and frequent travelers. New cardmembers can earn 60,000 Membership Rewards points after spending $6,000 in the first 6 months.

You earn 4X points at restaurants and U.S. supermarkets (on up to $25,000/year), 3X on flights, and 1X on other eligible purchases. The $325 annual fee is offset by monthly credits for Uber, dining, and partner perks like Resy and Dunkin’.

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Marriott Bonvoy Bevy™ American Express^®Card

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Rates& Fees
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American Express Gold Card

Annual Fee

$325

Approx Benefits

$1200

Welcome Bonus 60,000 Points + Up to $528 in Credits

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Highlights Earning Rates

• 60,000 points after $6,000 spend in 6 months

• 4x points at restaurants worldwide, including takeout and delivery

• 4x points at U.S. supermarkets (up to $25,000 per year)

• 3x points on flights booked directly or via AmexTravel

• 2x points on prepaid hotels via AmexTravel

• 1x point on other purchases

• $120 Uber Cash ($10/month)

• $120 Dining Credit ($10/month at select merchants)

• $100 Resy Credit ($50 twice per year)

• $84 Dunkin' Credit ($7/month)

• $100 credit with The Hotel Collection (2-night minimum stay)

• 4 points per $1 at restaurants worldwide

• 4 points per $1 at U.S. supermarkets (up to $25,000/year)

• 3 points per $1 on flights (direct or via AmexTravel)

• 2 points per $1 on prepaid hotels booked through AmexTravel

• 1 point per $1 on all other purchases

Card Details

The Good

• 60,000 Membership Rewards points after $6,000 spend in 6 months
• 4X points at restaurants worldwide
• 4X points at U.S. supermarkets (up to $25,000/year)
• 3X points on flights booked directly or through AmexTravel
• $120 Uber Cash ($10/month)
• $120 Dining Credit at Grubhub, Cheesecake Factory, and more
• $100 Resy dining credit
• $84 Dunkin’ credit ($7/month)
• Choose between Gold or Rose Gold design
• No foreign transaction fees

The Bad

• $325 annual fee
• Credits require enrollment and are split across months
• Groceries only earn 4X in the U.S.
• No lounge access or airline incidental credits
• High APR if carrying a balance

Our Take

The Amex Gold Card delivers excellent value if you spend heavily on dining and groceries. The combined annual credits can offset the $325 fee, and Membership Rewards points offer strong flexibility when redeemed for travel or transferred to partners.

If you can use the monthly perks consistently, this is one of the best all-around cards for foodies and travelers who want to earn big rewards without paying for luxury perks.