American Express® Gold Card
A $325 card for food-focused spenders: 4x at restaurants and U.S. supermarkets (with annual caps) plus dining, Uber, Resy and Dunkin' credits. Annual fee: $325. Welcome offer: Up to 100,000 points after $8,000 in eligible purchases in the first 6 months.
First five additional cards $0; the sixth and later $35 each.
Welcome offer
| Offer | Up to 100,000 points |
|---|---|
| Spend requirement | $8,000 in eligible purchases |
| Time window | first 6 months |
| Expiration | No end date stated |
Reported by Motley Fool (Oct 5, 2026); Amex's own page does not publish offers. Offers vary and may not be available to everyone.
Offers may vary by applicant, channel, referral link and targeting. The offer on the issuer's own application page is the one that applies.
Earning rates
| Category | Rate | Notes |
|---|---|---|
| Restaurants worldwide | 4x | Up to $50,000 per calendar year, then 1x. |
| U.S. supermarkets | 4x | Up to $25,000 per calendar year, then 1x. |
| Prepaid hotels via Amex Travel | 5x | |
| Flights booked direct or via Amex Travel | 3x | |
| Prepaid car rentals and cruises via Amex Travel | 2x | |
| Everything else | 1x |
4x capped at $25,000 supermarkets and $50,000 restaurants a year.
Benefits and credits
Statement credits
| Credit | Value | Details |
|---|---|---|
| Dining credit | Up to $10/mo ($120/yr) | Grubhub/Seamless, Buffalo Wild Wings, Five Guys, Cheesecake Factory, Wonder; enrollment required. |
| Uber Cash | $10/mo ($120/yr) | Add the card to your Uber account. |
| Resy | Up to $100/yr | $50 Jan–Jun and $50 Jul–Dec; enrollment required. |
| Dunkin' | Up to $7/mo ($84/yr) | Enrollment required. |
| The Hotel Collection | $100 property credit | 2+ nights via AmexTravel.com; 1,300+ hotels per Amex's Gold page. |
Other benefits
- Hertz Five Star status (enrollment required).
- Trip delay up to $300 (12+ hours); baggage insurance up to $1,250 carry-on / $500 checked; purchase protection $10,000 per item; extended warranty.
Restrictions
- Gold cardholders can book The Hotel Collection but do not get the Platinum hotel statement credit.
- Credits require enrollment and reset monthly or by half-year.
Strategies
- If you spend more than $50,000 a year at restaurants or $25,000 at supermarkets, the extra spend earns only 1x.
- The monthly dining and Uber credits are easy to waste: set a reminder or skip the card if you won't use them.
Best categories: 4x at restaurants worldwide; 4x at U.S. supermarkets.
Transfers: Amex Membership Rewards can move to 20 airline and hotel partners. Ratios and timing are in our Transfer Partner Matrix and on the Points Transfers and Deals page.
Compare with: The Platinum Card® from American Express, Capital One Venture X Rewards, Capital One Venture Rewards, VentureOne Rewards from Capital One. Or try the Best Card Finder with your own spending.
Sources and freshness
Fees, credits and earning rates come from American Express's official page, fetched on Oct 27, 2026. Amex does not publish welcome offers on that page, so any offer shown comes from the dated third-party report named in the offer note.
Last updated: . Verification status: checked against the sources above.