American Express® Gold Card
A $325-annual-fee points card from American Express National Bank, with a $1,000 signup bonus.
American Express National Bank · AMEX
- Annual fee
- $325
- Purchase APR
- 19.49–28.49%variable
- Signup bonus
- $1,000
- Foreign transaction
- None
Earn Rules
| Dining | 400.00% |
| Grocery | 400.00% |
| Travelbooked through AmexTravel.com or Amex Travel App™ | 500.00% |
| Travelbooked through AmexTravel.com or Amex Travel App™ or directly through airlines | 300.00% |
| Travelbooked through AmexTravel.com or Amex Travel App™ and cruises booked and paid through AmexTravel.com | 200.00% |
| All Other | 100.00% |
Statement Credits
Each credit shown at full face value. The NAV math counts the total. What you actually use is your call.
| 10% back on qualifying concessions purchases up to $250 per calendar year at select stadiums and arenas. Enrollment required.yearSource ↗ | $250/yr |
| $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. Enrollment required.monthlySource ↗ | $120/yr |
| $120 Uber Cash: Get $10 in Uber Cash each month when you add your Gold Card to your Uber account. You can use your Uber Cash on orders and rides with Uber in the U.S. when you select an Amex Card for your transaction.monthlySource ↗ | $120/yr |
| $100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants. Enrollment required.yearSource ↗ | $100/yr |
+ Show 2 more credits
| $100 credit towards eligible charges at over 1,300 upscale hotels worldwide every time you book The Hotel Collection through AmexTravel.com or Amex Travel App™. Requires a two-night minimum stay.Source ↗ | $100/yr |
| $84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment required.monthlySource ↗ | $84/yr |
| Total credits / year we count | $774 |
Why this differs from the issuer's headline number. Card marketing sums every credit at full value and assumes you use all of them. We count each credit at face value too, but only the ones shown above. A credit you won't use is worth $0 to you, so the honest number for most people is lower than the brochure. Decide which ones fit your life; the calculator counts what you tell it to.
Signup Bonus
AS HIGH AS 100,000 Membership Rewards® points after you spend $8,000 in purchases on your new Card within the first 6 months of Card Membership.
Value: $1,000 · Spend $8,000 in 6 months
This bonus is counted in full in the card's Year 1 value, and only when your spend meets the requirement. It's excluded from the ongoing value.
Who This Card Makes Sense For
- People who reliably pay their balance in full each month. The 28.49% APR would wipe out the card's other benefits within a single billing cycle of revolving.
- People who will spend $1,333 a month for the next 6 months anyway — that clears the $8,000 required for the $1,000 bonus, which covers the $325 fee and then some in year one.
Wondering if this card pays off for your situation? Is the American Express® Gold Card worth it? →
Cards in the Same Fee Tier That Score Higher
A similar annual fee, ranked higher at the default profile.
- Citi Strata Elite℠ Card$1,583 (+$700)
- Hilton Honors American Express Aspire Card$1,448 (+$565)