American Express® Gold Card
American Express · AMEX
The American Express® Gold Card is a credit card from American Express on the AMEX network. It has an annual fee of $325. It earns 5x on travel, 4x on dining & restaurants, 4x on groceries.
Key facts
- Annual fee
- $325
- Purchase APR
- 19.49% - 28.49% variable APR
- Foreign transaction fee
- None
- Network
- AMEX
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Travel | 5x | 5x on prepaid hotels booked through |
| Dining & restaurants | 4x | 4x on purchases at restaurants worldwide |
| Groceries | 4x | 4x on US supermarkets |
| Everything else | 1x | 1x on all other eligible purchases |
Benefits and perks
- 4X Membership Rewards points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- 4X Membership Rewards points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- 5X Membership Rewards points per dollar spent on prepaid hotels booked through AmexTravel.com or the Amex Travel App™.
- 3X Membership Rewards points per dollar spent on flights booked through AmexTravel.com or the Amex Travel App™ or purchased directly from airlines.
- 2X Membership Rewards points per dollar spent on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com .
- 1X Membership Rewards point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Get $10 in Uber Cash each month when you add your Gold Card to your Uber account. You can use your Uber Cash on orders from your favorite restaurants and rides with Uber in the U.S. when you select an Amex Card for your transaction.
- $84 Dunkin' Credit: With the $84 Dunkin’ Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express Gold Card at U.S. Dunkin’ locations.
- $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at participating partners. This can be an annual savings of up to $120. Enrollment required.
- The Hotel Collection: Take advantage of a $100 credit towards eligible charges at over 1,300 upscale hotels worldwide every time you book The Hotel Collection through AmexTravel.com or the Amex Travel App™. Eligible charges vary by property. The Hotel Collection requires a two-night minimum stay.
- Credit Intel – Financial Education Center
- Amex Business Intel™ - B2B Education Center
- Do Not Sell or Share My Personal Information
Rates and fees
Annual membership fee: $325. Purchase APR: 19.49% - 28.49% variable APR, based on creditworthiness and the Prime Rate. Foreign transaction fee: None.
Rates and fees as published by the issuer and recorded on 10 Sept 2026. See the issuer's terms for current rates. View the issuer's terms
Questions about the American Express® Gold Card
What is the annual fee on the American Express® Gold Card?
The American Express® Gold Card has an annual fee of $325.
What rewards does the American Express® Gold Card earn?
The American Express® Gold Card earns 5x on travel, 4x on dining & restaurants, 4x on groceries, 1x on everything else.
Is the American Express® Gold Card worth it?
The American Express® Gold Card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
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