Editorial image; product art from the issuer. Offers and eligibility are subject to application terms.Amex Gold remains a strong Membership Rewards card for dining and U.S. supermarkets, but its $325 annual fee increasingly depends on monthly credits. It is best for people who already use the participating merchants.
Welcome offers can vary by applicant and entry point. Save the offer and spending requirement shown before submitting.
Highlights
$325.
Up to $10 monthly at participating merchants; enrollment required.
$10 monthly for U.S. Uber or Uber Eats after adding the card.
Up to $50 semiannually with Resy and up to $7 monthly at Dunkin; enrollment required.
Using the credits
- Dining Credit: up to $10 monthly at participating merchants such as Grubhub, Five Guys and The Cheesecake Factory.
- Uber Cash: $10 monthly for U.S. Uber or Uber Eats after adding the card to your account.
- Resy Credit: up to $50 from January–June and another $50 from July–December.
- Dunkin Credit: up to $7 monthly after enrollment.
Using Membership Rewards
The program is most flexible when points transfer to airline or hotel partners. Transfer only when you have a specific redemption, since partner programs can change.
What to know before applying
- Check the welcome offer and Amex eligibility message.
- Monthly credits generally do not roll over.
- Merchant coding determines bonus eligibility.
- Value only the credits you will use naturally.
Drawbacks
- Fragmented credits：Offsetting the $325 fee requires tracking several monthly or semiannual credits.
- Caps and coding rules：The 4x categories have annual caps and depend on merchant coding.
Frequently asked questions
What is the annual fee?
$325.
Is the U.S. supermarket 4x capped?
Yes, at $25,000 per calendar year, then 1x.
Is restaurant 4x capped?
Yes, at $50,000 per calendar year, then 1x.
Does Amex Gold include airport lounge access?
No general airport-lounge membership is included.
Summary
Amex Gold works best for high dining and U.S. supermarket spenders who naturally use its credits. If you dislike monthly maintenance or prefer simple cash back, a lower-fee card may fit better.
Confirm the final offer, fees and eligibility before submitting.