American Express® Gold Card
American Express · Amex
4.7/5 RatingGood to Excellent (670+)
Key Details
- Annual Fee
- $250
- Regular APR
- N/A (Pay Over Time: 21.99%–29.99%)
- Intro APR
- N/A
- Foreign Transaction Fee
- None
- Balance Transfer Fee
- N/A
- Rewards Rate
- 1x–4x points
Sign-Up Bonus
60,000 points after spending $6,000 in first 6 months
Rewards Structure
- Restaurants worldwide4x
- U.S. supermarkets (up to $25,000/year)4x
- Flights booked directly with airlines or Amex Travel3x
- All Other Purchases1x
Pros
- ✓4x on dining and groceries — among the best
- ✓$120 dining credit ($10/month at select restaurants)
- ✓$120 Uber Cash annually ($10/month)
- ✓No foreign transaction fees
Cons
- ✗$250 annual fee
- ✗Credits limited to specific merchants
- ✗Only 1x on non-category purchases
- ✗Amex not accepted everywhere internationally
Who Should Get This Card?
Foodies and families who spend heavily on dining and groceries. Ideal for those spending $500+/month on food who want to maximize rewards.