American Express® Gold Card
- Annual fee
- $325
- Top rewards rate
- 4%on dining
- Annual credits
- $424see breakdown below
- Welcome bonus
- 100,000 points after $8,000 spend in 6 months
- Foreign transaction fee
- 0%
Much of the value here is in $424 of annual credits rather than the earn rate. Worth it only if you’d use them.
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Full earn rates: 4% on dining (up to $50,000/yr) and 4% on groceries (up to $25,000/yr), then 1% on everything else.
Annual Credits
This card currently offers $424 in annual credits. What they're actually worth depends on how you spend, so run your own numbers in the calculator to see which ones you'd capture.
- $120 Uber Cash requires enrollment or a specific merchant
- $120 Dining credit requires enrollment or a specific merchant
- $100 Resy credit requires enrollment or a specific merchant
- $84 Dunkin' credit requires enrollment or a specific merchant
Credits are not factored into our rankings. Cards are ordered by rewards earned minus the full annual fee. We show credits separately so you can judge them against your own habits rather than taking an advertised total at face value.
Sign-Up Bonus
after spending $8,000 in the first 6 months
Rewards Breakdown
| Category | Rate | Details |
|---|---|---|
| Dining | 4% | Up to $50,000/year, then 1% |
| Groceries | 4% | Up to $25,000/year, then 1% |
| Travel if you qualify | 3% | Earns 3% only on flights booked direct with the airline or on AmexTravel.com. Hotels, car rentals and cruises earn 1%. |
| All other purchases | 1% | Unlimited |
| Foreign Transaction Fee | None | Great for international purchases |
Compare With Similar Cards
See How Much You’d Earn
Enter your monthly spending to see how the American Express Gold Card compares against other cards based on your actual habits.
See Your Estimated RewardsFrequently Asked Questions
What is the annual fee for the American Express Gold Card?
The American Express Gold Card has an annual fee of $325.
What is the sign-up bonus for the American Express Gold Card?
New cardholders can earn 100,000 points after spending $8,000 in the first 6 months.
Does the American Express Gold Card charge foreign transaction fees?
No, the American Express Gold Card does not charge foreign transaction fees.
What categories earn bonus rewards with the American Express Gold Card?
The American Express Gold Card earns 4% on dining, 4% on groceries. It also advertises 3% on flights, but that rate applies only when you qualify, so it is excluded from our rankings.
These rankings are estimates based on published card terms. Actual rewards depend on your spending patterns, how you redeem, and whether your purchases qualify for bonus categories. Rates and terms may change, so verify current offers on the issuer’s site.