It’s perfect for food lovers and travel enthusiasts. With it, you get bonus points on dining and grocery, plus valuable perks for your shopping trips. The Amex Gold Card is your best pick for getting the most out of your rewards.
Key Takeaways
- Earn 4X Membership Rewards points on dining and grocery store purchases
- Enjoy a $120 annual dining credit to use at eligible restaurants and food delivery services
- No foreign transaction fees when you travel
- Access to Amex Travel for booking flights, hotels, and more
- Redeem your Membership Rewards points for a variety of rewards, including travel, gift cards, and more
What is the Amex Gold Card?
The American Express Gold Card is a top-tier credit card. It offers great benefits and rewards. It’s perfect for those who spend a lot on dining and groceries.
Overview and Key Features
The Amex Gold Card has many features that make it appealing. Some of the key benefits include:
- Earn 4X Membership Rewards points on eligible purchases at restaurants and on eligible purchases at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X).
- Enjoy a $120 annual dining credit, which can be used at select restaurants and food delivery services.
- Receive a $100 annual airline fee credit to cover incidental charges such as baggage fees, seat selection, and more.
- No foreign transaction fees, making it a great option for international travelers.
Who is it Best For?
The Amex Gold Card is great for people who love to eat out and buy groceries. It offers lots of points for these purchases. This means you can earn a lot of Membership Rewards points.
These points can be used for travel, merchandise, and more. The card also has travel perks like an annual airline fee credit and no foreign transaction fees. It’s perfect for those who travel a lot.
High Reward Categories for Dining
As an American Express Gold Card holder, you get amazing rewards for dining out. This card lets you earn 4X Membership Rewards points for every dollar spent at restaurants worldwide. This includes both dine-in and takeout experiences.
Earn Points at Restaurants
The Amex Gold Card is perfect for those who love dining out. It offers 4X points at restaurants, helping you earn points fast. You can use these points for statement credits or travel bookings, giving you flexibility.
Bonus Rewards for Takeout and Delivery
- The Amex Gold Card also gives bonus rewards for takeout and delivery services.
- You earn 4X points on eligible purchases through services like Uber Eats, Grubhub, and Seamless.
- This makes the Amex Gold Card great for those who like ordering in. You still earn valuable dining rewards on your meals.
The Amex Gold Card offers top-notch dining benefits. It helps you maximize rewards, whether dining out or ordering in. This card is essential for food lovers who value 4X points at restaurants.
Grocery Benefits that Shine
The American Express Gold Card is a top pick for grocery rewards. It offers 4X points per dollar at U.S. supermarkets. This means you can earn lots of 4X points at supermarkets on your daily grocery shopping.
Earn Extra Points on Groceries
The Amex Gold Card’s benefits for groceries are amazing. You get 4 Membership Rewards points for every dollar spent at U.S. supermarkets, up to $25,000 a year. This helps you earn rewards fast, especially if you spend a lot on food.
Participating Grocery Stores
- Albertsons
- Kroger
- Publix
- Safeway
- Trader Joe’s
- Whole Foods Market
- and many other U.S. supermarkets
Some stores, like convenience stores and warehouse clubs, don’t count for the 4X points. Always check the Amex Gold Card’s terms to see which stores qualify.
| Grocery Category | Amex Gold Card Rewards | Other Card Rewards |
|---|---|---|
| U.S. Supermarkets | 4X Membership Rewards points | 1-2X points per dollar |
| Dining | 4X Membership Rewards points | 1-3X points per dollar |
| Travel | 3X Membership Rewards points | 1-2X points per dollar |
The Amex Gold Card’s rewards for groceries are unmatched. It’s a great choice for those who want to maximize their grocery rewards and earn 4X points at supermarkets.
Travel Perks You Can’t Ignore
Being an Amex Gold Card holder comes with amazing travel benefits. You get to book trips easily through Amex Travel and avoid foreign transaction fees. This makes traveling hassle-free and rewarding.
Benefits of Amex Travel
The Amex Gold Card lets you use Amex Travel. This platform makes booking flights, hotels, and more simple. You earn Membership Rewards points on your purchases. It’s easy to use and offers many travel options.
No Foreign Transaction Fees
Traveling abroad with your Amex Gold Card means no extra fees. This saves you money, especially if you travel often. You can use your card worldwide without worrying about extra costs.
| Travel Benefit | Description |
|---|---|
| Amex Travel | Access to a comprehensive booking platform for flights, hotels, rental cars, and more, with the ability to earn Membership Rewards points on your purchases. |
| No Foreign Transaction Fees | Avoid unnecessary fees when making purchases outside of the United States, allowing you to maximize your travel budget. |
“The Amex Gold Card has been a game-changer for my travel experiences. The seamless booking process through Amex Travel and the lack of foreign transaction fees have saved me time and money on every trip.”
Membership Rewards Points Explained
If you have an American Express Gold Card, you get to use the Membership Rewards program. This program lets you earn and use points for different rewards. Learning how to use your points well can make your Gold Card even more valuable.
How to Earn Points
The American Express Gold Card makes it easy to earn Membership Rewards points. You get:
- 4X points per dollar spent at restaurants, including takeout and delivery
- 4X points per dollar spent at U.S. supermarkets (up to $25,000 per year in purchases)
- 1X point per dollar on all other eligible purchases
Using your Gold Card for dining and grocery can quickly add up points. These points can then be used for rewards you want.
How to Redeem Points
After you’ve saved up points, you can redeem them for many rewards. You can get:
- Travel: Book flights, hotels, rental cars, and more through the Amex Travel portal
- Merchandise: Redeem points for brand-name products, gift cards, and experiences
- Statement credits: Apply your points towards your card balance to offset eligible purchases
- Charitable donations: Contribute your points to organizations making a positive impact
The Membership Rewards program is flexible. You can choose how to use your points based on your needs and preferences. This way, you get the most value from your points.
| Reward Category | Points Required | Value Per Point |
|---|---|---|
| Travel | Starting at 5,000 points | Up to 1 cent per point |
| Merchandise | Starting at 1,000 points | Varies by product |
| Statement Credits | Starting at 1,000 points | 0.6 cents per point |
| Charitable Donations | Starting at 1,000 points | 1 cent per point |
“The Membership Rewards program offers a diverse range of redemption options, allowing you to choose the rewards that best suit your lifestyle and financial goals.”
Annual Fee and Costs
The American Express Gold Card has an annual fee to consider. As the main cardholder, you’ll pay $325 a year. But, the card’s benefits might make it worth the cost.
Break Down of Fees
The $325 fee lets you add up to 5 extra cards for family or users. Each extra card costs $35 a year. This can add up if you have a big family.
Value You Get for Your Money
- Earn 3X points on dining and 4X points on travel purchases
- Get a $120 dining credit for certain restaurants and food delivery
- Enjoy a $100 airline fee credit for travel expenses
- Access special perks like airport lounges and hotel upgrades
Looking at the annual fee and cost-benefit analysis of the Amex Gold Card helps decide if it’s worth it. For many, the benefits are well worth the $325 fee.
“The Amex Gold Card’s annual fee is a small price to pay for the exceptional rewards and perks it offers. The dining and travel benefits alone can easily offset the cost, making it a great choice for frequent travelers and foodies.”
How to Apply for the Amex Gold Card
Applying for the American Express Gold Card is easy. It only takes a few steps. First, make sure you meet the eligibility requirements.
Eligibility Requirements
To get the Amex Gold Card, you need a good to excellent credit score. This is usually 700 or higher. You also need a steady income and a history of good credit.
Amex might look at your relationship with them, how you spend money, and your financial situation too.
Steps to Complete Your Application
- Go to the Amex Gold Card website and click “Apply Now.”
- Fill out your personal info, like name, address, and Social Security number.
- Share your job and income details, including your job title and annual income.
- Read and agree to the card’s terms and conditions.
- Submit your application and wait for American Express to decide.
If your application is approved, you’ll get your Amex Gold Card in the mail. This usually takes 7-10 business days. The Amex Gold Card offers great rewards and benefits. It’s a valuable tool for your finances, if you meet the credit requirements and use it well.
Comparing the Amex Gold Card with Other Cards
When looking at credit cards, the American Express® Gold Card and Chase Sapphire Preferred® are key options. Your spending habits and preferences will guide your choice.
How It Compares to the Amex Green Card
The Amex Gold Card and Amex Green Card both belong to the American Express Membership Rewards program. But, the Amex Gold Card has more benefits, especially for dining and grocery. These benefits can make up for its higher annual fee.
- The Amex Gold Card earns 4X points on dining and grocery, while the Amex Green Card earns 3X points in these categories.
- The Amex Gold Card also offers up to $120 in annual dining credits. This makes it great for those who spend a lot on dining and groceries.
Comparison with Chase Sapphire Preferred
The Chase Sapphire Preferred® Card is another top choice, competing with the Amex Gold Card. The Amex Gold Card has more rewards in some categories. But, the Chase Sapphire Preferred might suit those who want a lower annual fee and easier travel point redemption.
| Feature | Amex Gold Card | Chase Sapphire Preferred |
|---|---|---|
| Annual Fee | $250 | $95 |
| Dining/Grocery Rewards | 4X points | 2X points |
| Travel Redemption Value | 1 cent per point | 1.25 cents per point |
Choosing between the Amex Gold Card and the Chase Sapphire Preferred depends on your spending and what benefits you value most.
Customer Experiences and Reviews
The American Express Gold Card is known for its great rewards and benefits. People love it for earning points on dining and groceries. They also enjoy the travel perks it offers.
Positive Feedback from Users
Many users say the Amex Gold Card helps them earn more rewards. Sarah, a traveler, loves the 4X points on dining and groceries. She says it helps her get points for flights and hotels.
Others like how easy it is to book travel with the Amex Travel platform. It makes planning trips simple.
Common Critiques and Concerns
Even with all the good, some users worry about the $250 annual fee. Alex, a financial analyst, thinks it’s too much for those who don’t travel often. But, many feel the benefits, like the $120 dining credit, make it worth it.
Some users have had issues with customer service. But, Amex is usually known for its great support.
FAQ
What is the American Express Gold Card?
The American Express Gold Card is a high-end rewards credit card. It’s great for those who love to eat out and travel. It offers special benefits for dining and grocery shopping.
What are the key features of the Amex Gold Card?
The Amex Gold Card has many key features. You earn 4X Membership Rewards points at restaurants and U.S. supermarkets. It also comes with a $120 annual dining credit and no foreign transaction fees. Plus, you get access to the Amex Travel platform.
Who is the Amex Gold Card best for?
The Amex Gold Card is perfect for people who often eat out or shop at U.S. supermarkets. It’s also great for travelers who want to earn valuable points.
How can I earn bonus points on dining with the Amex Gold Card?
You can earn 4X Membership Rewards points at restaurants worldwide. This includes takeout and delivery services. It’s a top choice for food lovers.
What are the grocery benefits of the Amex Gold Card?
The Amex Gold Card gives 4X Membership Rewards points at U.S. supermarkets. It’s a great option for those who shop a lot at these stores.
What travel benefits does the Amex Gold Card provide?
The Amex Gold Card offers many travel benefits. You get access to the Amex Travel platform and no foreign transaction fees. It’s great for frequent travelers.
How does the Amex Membership Rewards program work?
The Amex Membership Rewards program lets you earn points on eligible purchases. You can then redeem these points for travel, gift cards, and more. The program offers flexible redemption options to maximize your points’ value.
What is the annual fee for the Amex Gold Card, and is it worth it?
The Amex Gold Card has an annual fee of $250. But, the card’s benefits, like the $120 annual dining credit and bonus rewards, can make it worth it. It’s especially good for frequent diners and grocery shoppers.
How do I apply for the Amex Gold Card?
To apply for the Amex Gold Card, you need a good to excellent credit score. You can apply online through the American Express website.
How does the Amex Gold Card compare to other premium rewards cards?
The Amex Gold Card is unique compared to cards like the Amex Green Card and the Chase Sapphire Preferred. It offers exceptional rewards for dining and grocery shopping. It also has valuable travel benefits and a Membership Rewards program.
What do customers say about the Amex Gold Card?
Many customers love the Amex Gold Card. They praise its generous rewards for dining and grocery shopping. They also like the Membership Rewards program. Some say the annual fee is high, but it’s worth it if you use the card’s benefits well.