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Experience More with the American

Express® Gold Card

The American Express® Gold Card is the best credit card for foodies, travelers and luxury benefit lovers. This luxury card is meant to help you earn maximum rewards on dining and travel, so is also a great card for those who enjoy fine dining, international travel, as well as everyday convenience. Earn 4X Membership Rewards® points on dining at restaurants, including takeout and delivery, and 3X on flights booked directly with airlines or on amextravel.com — make your spending work for you!

Perhaps the best feature of the card for foodies is the $120 annual dining credit, which automatically gets applied to monthly statement credits at select restaurants or food delivery services. Plus, you also receive up to $120 in Uber Cash a year, so this card continues to provide even more value. When you book a flight, eat at that restaurant you love, or order food from home, the Amex Gold Card can be your expenses turned to valuable rewards.

It does have a $250 annual fee, but those who make full use of its advantages will more than make up for the cost. The Amex Gold has no foreign transaction fees and is part of all the exclusive Amex Offers, making it an ideal option for those who want the premium rewards experience without the ultra-luxury card price tag. For those who love dining out, traveling and earning valuable Membership Rewards® points, the American Express Gold Card is a must-have in your wallet.

The American Express® Gold Card is the ultimate choice for food enthusiasts, frequent travelers, and those who enjoy premium perks.

The best card for restaurant and travel rewards: American Express® Gold Card

For those who regularly dine out or order in, one of the most rewarding cards on the market is the Amex Gold Card. You earn a whopping 4X Membership Rewards® points at restaurants worldwide, including takeout and delivery services. Every meal you enjoy earns you valuable rewards that you can redeem for travel, gift cards or statement credits. Whether you eat at five-star restaurants or grab a quick bite, the Amex Gold Card makes sure your food gets paid back to you.

Generous Travel Rewards

Frequent fliers will appreciate the 3X Membership Rewards® points on flights booked directly with airlines or through American Express Travel. (Updated October 2023) This makes the Amex Gold Card a solid option for a cardholder who frequently books flights and looking to maximize travel rewards. Unlike some travel cards, this one doesn’t expect you to book through a certain airline, allowing you more flexibility in selecting the best options for your flight. Plus, this card has no foreign transaction fees, making it an ideal traveling partner.

Up to $240 in Annual Credits

Perhaps the highlight of the many benefits provided by the Amex Gold Card is the pairing of its $120 dining credit and $120 Uber Cash benefit. The statement credits are good for up to $10 per month in dining at select restaurants and food delivery services. Plus, they can receive up to $10 in Uber Cash each month, which can be applied to Uber rides or Uber Eats. These benefits alone can more than offset the $250 annual fee — making the card even more lucrative.

Points That Are Flexible And Valuable Membership Rewards® Points

One of the most flexible and valuable loyalty systems out there is the American Express Membership Rewards® program. Redeeming points with the Amex Gold Card can be done for travel, hotel stays, gift cards or statement credits, and points can even be transferred to airline and hotel partners to receive an even higher value per point. For those who enjoy making the most of their rewards,  this credit card offers some great opportunities to do so.

Make This Card Work for You: 5 Things to Know Before Getting the Amex Gold Card

Annual Fee of $250

The American Express Gold Card comes with impressive perks, but the catch is its $250 annual fee. This may feel high compared with some other rewards cards, but for users who maximize their dining, travel and other credit perks, the value can easily surpass the cost. When you fully utilize the $240 in annual credits and the generous rewards program, the fee is barely a drawback. For anyone who dines out or travels much, the rewards more than justify the cost.

No Lounge Access

The Amex Gold Card does not provide airport lounge access, unlike some premium travel cards. If you’re a frequent traveler who likes lounge access ahead of your flights, you may want to combine this card with a second travel card that offers the lounge access you want. The high earning potential on flights and dining, combined with no foreign transaction fees, still make it an excellent pick for travelers who don’t really need lounge access.

5 Steps to Apply for the American Express® Gold Card

If you have a good to excellent credit score, applying for the American Express Gold Card is an easy process. Be sure to check your credit profile and qualify before applying. This card is aimed at heavy dining and travel spenders, so it makes the most sense for people who can take full advantage of its perks.

Visit the official American Express website, filling in an online form with basic information about your application. You’ll have to enter your personal and financial information, such as income, employment history and credit history. Your Amex Gold Card will come in the mail shortly after you’re approved. Many applicants can also get an instant decision from American Express — you’ll be able to find out within minutes if you’re approved.

Check Your Credit Score – You’ll want to have fair to excellent credit score (typically 700+)

Personal Information Gather — Know your Social Security number, income information and employment status.

AMEX GOLD CARD – GO TO AMERICAN EXPRESS WEBSITE

Fill in the Application Form – Provide your personal and financial information and submit your application.

Get an Approval Decision – If you’re approved, your card is sent to you by mail, and you’ll start earning rewards right away.

Accurate as of October 2023. Offering 4X points when dining out, 3X on flights, and no foreign transaction fees, this card is for foodies and frequent flyers alike. Annual credits for dining and an annual Uber credit make this card even sweeter and can help offset its $250 annual fee.

The primary benefit of this card is its Membership Rewards® program to redeem points to book flights, hotels, gift cards and other items. If you enjoy traveling in style, you can also convert your points to airline and hotel partners, making them even more valuable.

Next: Chase Sapphire Reserve From the Editors of Spokesperson From the Editors of Spokesperson On: 0 Time for a better bank? If you dine out often, travel, and want a card that offers amazing rewards and perks, you can’t go wrong with the American Express Gold Card.