American Express Gold Card

The Amex Gold is the dining and groceries earner that pays for its $325 fee through credits and the highest non-promotional supermarket rate of any premium card. The four credits stack to $424 a year if you actually use them, which lands ahead of the fee, though it requires monthly enrollment dances at Grubhub, Uber, Resy, and Dunkin'. The 4X at U.S. supermarkets caps at $25,000 a year (1X thereafter), and the 4X dining caps at $50,000; both are deep enough that most households won't hit them.

See current offer Issuer terms

Metal card

Annual fee

$325

$27.08/mo equivalent
Welcome offer

100,000 points

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

Not disclosed

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.

The Platinum Card from American Express

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The Amex Platinum is an $895/year travel-and-lifestyle card built around credits and lounges rather than spend rewards, with over $3,500 in annual statement-credit value if you actually use what is on the menu.

$895 annual fee

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Chase Sapphire Preferred

Chase · Visa

The Sapphire Preferred is the entry door to Chase's transferable Ultimate Rewards ecosystem at a $95 annual fee, with 5x on Chase Travel bookings, 3x on dining and online grocery, and a 10% anniversary points boost that compounds over years.

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American Express Green Card

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The Amex Green is the entry-tier charge card in Amex's lineup, with 3X on the categories travelers care about most: restaurants worldwide, transit worldwide, and travel.

$150 annual fee

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Sources

Data current as of May 14, 2026 Report an inaccuracy

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Not financial advice

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