American Express Gold Card — Full Review & How to Apply

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Best for Dining & Groceries
American Express Gold
Maximize rewards on everyday spending
🍽️ 4x on Dining 🛒 4x on Groceries 💵 $240 in Credits
$325
Annual Fee
100K
Bonus Points
4x
Dining & Groceries
$240
Annual Credits

💳 Why This Card Stands Out

The Amex Gold is the best card for foodies and grocery shoppers. With 4x points on restaurants worldwide and U.S. supermarkets, it’s unmatched for everyday spending.

Plus, the $240 in annual dining and Uber credits make it easy to offset a significant portion of the annual fee — even before you earn any points.

✨ Key Benefits

🍽️
4x Points on Restaurants
Earn 4x Membership Rewards points at restaurants worldwide — including takeout and delivery. Up to $50,000 per year in purchases.
🛒
4x Points on Groceries
Earn 4x points at U.S. supermarkets. Up to $25,000 per year in purchases. Excludes superstores like Walmart and Target.
💵
$120 Dining Credit
$10/month in dining credits at participating partners including Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and more.
🚗
$120 Uber Credit
$10/month in Uber Cash for Uber Eats or Uber rides in the U.S. Use it or lose it each month (enrollment required).
✈️
3x Points on Flights
Earn 3x points on flights booked directly with airlines or through Amex Travel. Great for occasional travelers.
🔄
20+ Transfer Partners
Transfer points 1:1 to airlines like Delta, British Airways, and hotels like Hilton and Marriott. Best partner selection available.

⭐ Rewards Structure

4x
Restaurants
Worldwide
4x
U.S. Supermarkets
Up to $25K/year
3x
Flights
Direct & Amex Travel
1x
Everything Else
All other purchases

💰 Is the Annual Fee Worth It?

Let’s do the math:
$120 Uber Credit ($10/month) + $120
$120 Dining Credit ($10/month) + $120
Total Credits $240
Annual Fee – $325
Effective Cost $85 / year

+ All the points you earn on dining and groceries!

Interested in this card?
See your personalized offer — no impact on your credit score.
Check Your Eligibility →

🎁 Current Welcome Offer

Welcome Bonus
100,000
Membership Rewards Points
After spending $6,000 in the first 6 months
= $1,000+ in travel value

📋 Who Qualifies?

✅ Recommended Profile:
  • ✓ Good to Excellent credit (670+)
  • ✓ 1+ years credit history
  • ✓ Stable income (~$50K+)
  • ✓ No bankruptcy in past 7 years
⚠️ Good to Know:
  • • Amex’s “once per lifetime” bonus rule
  • • Can check pre-approval without hard pull
  • • This is a charge card (pay in full monthly)
  • • Limited acceptance outside U.S.

⚖️ Pros & Cons

✅ PROS
  • Best earning on dining and groceries (4x)
  • $240 in annual credits
  • Strong welcome bonus (100K)
  • 20+ transfer partners
  • No foreign transaction fees
  • Resy and Amex dining perks
❌ CONS
  • No airport lounge access
  • Must use credits monthly or lose them
  • Charge card (pay in full)
  • Amex not accepted everywhere
  • Grocery cap of $25K/year

🎯 Best For

This card is perfect for you if:

👉 You spend a lot on dining and restaurants
👉 You do your grocery shopping at supermarkets
👉 You’ll actually use the Uber and dining credits
👉 You want strong earning without lounge access
👉 You can pay your balance in full each month
Ready to Get Started?
See your personalized offer — check eligibility without affecting your credit score.
Check Your Eligibility →
🔒 Secure application on Amex’s official site
Want to compare before you decide?
← Back to All Premium Cards

📌 This content is for educational purposes only. Credit card approval depends on individual factors including credit score, income, and credit history. We may receive compensation if you apply through links on this page. All information is believed accurate as of December 2025 but is subject to change. Please review the official terms and conditions on the issuer’s website before applying.

Sources: American Express, The Points Guy, NerdWallet. Last updated: December 2025.

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