American Express Gold Card

The Amex Gold is built around dining and groceries, and it carries the highest non-promotional supermarket rate of any premium card. Its four credits stack to $424 a year, which lands ahead of the $325 fee, though only if you complete the monthly enrollment routines at Grubhub, Uber, Resy, and Dunkin'. The 4X at U.S. supermarkets caps at $25,000 a year and drops to 1X after that, while the 4X on dining caps at $50,000, and both ceilings sit deep enough that most households will not reach them.

Apply at Amex Issuer terms

Direct link to the issuer. We don't currently have an affiliate relationship for this card.

Metal card

Annual fee

$325

$27.08/mo equivalent
Welcome offer

100,000 points

≈$1,500 at our valuation
after $8,000 in 6 months
Recommended credit

700-810

Median 740. See why →

Earning rates

on American Express Membership Rewards

5x

Prepaid Hotels

Amex Travel only

via portal
4x

Dining Worldwide

Cap $50k/yr, then 1x

Cap $50,000
4x

U.S. Supermarkets

Cap $25k/yr, then 1x

Cap $25,000
3x

Flights
1x

Everything else

Benefits and credits

Travel credits and perks

$100 Hotel Collection Credit

$100 one-time
Global Assist Hotline

Lifestyle credits

$100 Resy Credit

$50 semi-annual
$120 Dining Credit

$10/month
$120 Uber Cash

$10/month
$84 Dunkin' Credit

$7/month
American Express Venue Collection
Amex Special Ticket Access

Purchase and protection benefits

Extended Warranty

Up to $10,000
Purchase Protection

Up to $10,000 · 90d

Elite status conferred

hertz

Five Star Status

Travel and purchase coverage

Lost luggage
Rental car collision damage waiver

Secondary coverage
Trip delay reimbursement

Delay threshold 12h

After 12h delay

Pricing and fees

Full Pricing and Terms

Pay Over Time APR: 19.49% to 28.49%
Foreign tx: None
Penalty APR (cap): 29.99%
Balance transfer: Not applicable; Fee Not applicable
Cash advance: 28.74%; Fee $10 or 5.00%, whichever is greater
Late / returned: $40 · $40

Eligibility and application

Card type

Personal charge card
Pre-qualification

Soft-pull pre-qualification available
Application inquiry

Hard credit inquiry on submission
Approval bureau

Not disclosed by issuer
Authorized user fee

Free
Reports AU to bureaus

Conditional

Reports only positive activity, and only once the AU is 18+. Negative reporting on the primary is removed from the AU's file.
Issuer policy

How the recommended credit score is derived

Reported by users, not disclosed by the issuer. Synthesized from community-reported approval data points and cross-checked against industry editorial guidance for consensus.

5 data points reviewed

Similar cards

Cards with the most in common, based on the math.

See all comparisons

The Platinum Card from American Express

Amex

The Amex Platinum is an $895-a-year travel-and-lifestyle card built around credits and lounges rather than spend rewards, carrying over $3,500 in annual statement-credit value for anyone who works through what is on the menu.

$895 annual fee

View card Compare
United Quest Card

Chase · Visa

The United Quest is Chase's mid-tier United cobrand, and it earns its $350 fee through credits rather than lounge access.

$350 annual fee

View card Compare
Capital One Venture X Rewards Credit Card

Capital One · Visa

The Venture X is Capital One's answer to the Sapphire Reserve and Amex Platinum, a metal $395 travel card that earns 2x miles flat on everything, plus 10x on hotels and 5x on flights when booked through Capital One Travel.

$395 annual fee

View card Compare

Sources

Data current as of May 14, 2026 Report an inaccuracy

Affiliate disclosure

ccdeck may earn a commission from links on this page. This does not affect our editorial rankings, and we will say so when the card we get paid on is not the best pick for you.

Not financial advice

ccdeck is not a financial advisor. Information here is for educational purposes only. Confirm card terms with the issuer before applying.