American Express Gold Card
4x at restaurants and US supermarkets. The foodie default.
Welcome Bonus
100,000
≈$2,000 value
Spend Requirement
$6,000
in 6 months
Annual Fee
$325
No FTF
Credit Score
700+
(Good-Excellent)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-01-15 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 4xRestaurants worldwide (up to $50k/yr)
- 4xUS supermarkets (up to $25k/yr)
- 3xFlights booked direct or via Amex Travel
- 1xAll other purchases
Credits ($424/yr stated)
- Uber Cash$120
$10 monthly
- Dining credit$120
$10 monthly: Grubhub, Cheesecake Factory, more
- Resy credit$100
$50 semiannually
- Dunkin credit$84
$7 monthly
Benefits
- ✦Full Membership Rewards transfer access
- ✦Amex Offers
- ✦Purchase protection
Why it earns its spot
- +4x dining + groceries covers most households' top categories
- +Credits realistically offset $200+ of the fee
- +100k offers appear regularly, never sign up below 75k
Where it costs you
- −$325 fee stings if credits go unused
- −Weak outside its bonus categories
The Compound Verdict
The strongest everyday earner in the Amex stable. If you eat out or buy groceries (you do), 4x in transferable points compounds fast. Pair with a fee-free 2x card for everything else.
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