American Express Gold

American Express · Amex · $325 annual fee

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700

Min Score

Preset Limit

Foreign Fee

1.5¢

Per Point

$325

Annual Fee

Welcome Bonus

100,000 points

≈ $1,500 estimated value

After you spend $8,000 in the first 6 months. Offers vary by applicant and Amex’s once-per-lifetime rule applies — the bonus you qualify for is confirmed after you apply.

How You Earn · points per $1

Dining

Restaurants worldwide (up to $50k/yr)

Groceries

U.S. supermarkets (up to $25k/yr)

Hotels

Prepaid hotels via Amex Travel

Flights

Flights booked direct or via Amex Travel

Purchases

Everything else

Tap the credits you actually use to track them — your picks are saved on this device.

Value you’ll capture$0 of $524

Tap the perks you’d use to see how much value you’d capture.

$10^mDining credit▾

Up to $10 back each month at Grubhub (including Seamless), Five Guys, The Cheesecake Factory, Buffalo Wild Wings and Wonder. The partner list was refreshed for 2026. Enrollment required; unused months don’t roll over.

$10^mUber Cash▾

$10 in Uber Cash each month for U.S. Uber rides and Uber Eats orders. Add the Gold Card to your Uber account to receive it.

$50^6mResy dining credit▾

Up to $50 twice a year (January–June and July–December) at more than 10,000 qualifying U.S. Resy restaurants. Enrollment required.

$100^yrHotel Collection credit▾

Up to $100 in property credits (toward dining, spa or resort activities) on prepaid Hotel Collection bookings of two nights or more through Amex Travel. Also comes with a room upgrade when available.

$7^mDunkin’ credit▾

Up to $7 back each month at U.S. Dunkin’ locations when you spend $7 or more. Enrollment required.

21 transfer partners

Membership Rewards points move to airlines & hotels. View partners →

No foreign transaction fees. Credits total $524 a year — more than the $325 fee if you use them. Most require one-time enrollment and are use-it-or-lose-it.

Coverage and status that come built in. Tap a row for details.

Five StarComplimentary Hertz status▾

Hertz Five Star status — skip the counter, get car upgrades when available and priority service. Added to the Gold Card in the 2026 refresh; enrollment required.

IncludedTrip & baggage coverage▾

Trip delay insurance (up to $300 per trip when delayed more than 12 hours, 2 claims per 12 months) and baggage insurance (up to $1,250 for carry-on and $500 for checked bags) when the trip is paid for with the card.

SecondaryAuto rental coverage▾

Secondary collision damage waiver when you decline the rental company’s coverage and pay with the card. Amex sells optional Premium Car Rental Protection for primary coverage.

$10kPurchase protection▾

New purchases covered against accidental damage or theft for 90 days, up to $10,000 per occurrence and $50,000 per year.

+1 yrExtended warranty▾

Adds up to one extra year to eligible U.S. manufacturer warranties of five years or less.

No limitNo preset spending limit▾

The Gold Card has no preset spending limit — purchasing power adjusts with your spending, payment and credit history. That’s not the same as unlimited, and the balance is generally due in full each month unless you use Pay Over Time.

Coverage is provided under the American Express Guide to Benefits; limits, conditions and exclusions apply.

The latest changes to this card — newest first. Verified against issuer terms.

2026NEW

5x points on prepaid hotels

The biggest earning change of the 2026 refresh: prepaid hotel bookings through Amex Travel now earn 5x Membership Rewards points, up from 1x — putting Gold on par with Platinum for hotel bookings.

2026

New dining partners & Hertz status

The $10 monthly dining credit now covers Grubhub, Five Guys, The Cheesecake Factory, Buffalo Wild Wings and Wonder. Cardmembers also get complimentary Hertz Five Star status.

2026

$524 in credits against a $325 fee

Stack the $120 dining, $120 Uber Cash, $100 Resy, $100 Hotel Collection and $84 Dunkin’ credits and the card more than pays for itself — but only if you actually spend in those specific places.

Advertiser Disclosure: MyCreditPerks may earn a commission when you apply through a link on our site, at no cost to you. Rankings and values are based solely on reward rates, fees, and estimated value — advertiser relationships never influence results. Reward values are estimates; verify current terms with American Express before applying.

American Express Gold

5x points on prepaid hotels

New dining partners & Hertz status

$524 in credits against a $325 fee

Transfer Partners