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American Express® Gold Card

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The contactless, eye-catching American Express Gold Card earns 4X points per dollar at U.S. supermarkets (up to $25,000 per calendar year in purchases, then 1X) and restaurants, while providing a solid selection of benefits and protections for shopping and travel. It’ll cost you quite a bit per year, but you’ll also get access to an annual $120 dining credit and $100 airline credit to soften the blow.

American Express is a Credit Card Insider advertiser.

(Rates & Fees)

Our rating
Min. credit level: Good
Annual Fee: $250
Regular APR: See Pay Over Time APR

American Express® Gold Card

Our rating
Good Min. credit level
$250 Annual Fee
Apply Now Read our Review

Highlights & Features

(Rates & Fees)


Spending Rewards
  • 4X Membership Rewards points per dollar at:
    • Restaurants worldwide
    • U.S. Supermarkets (up to $25,000 per calendar year in purchases, then 1X)
  • 3X Membership Rewards points per dollar on:
    • Flights booked directly with airlines
    • Flights booked through
  • 1X Membership Rewards point per dollar for every other purchase
Introductory Bonus
  • 60,000 bonus points for spending $4,000 in the first 6 months

American Express Membership Rewards Travel Partners

Airline Partners

  • Alitalia MileMiglia
  • Asia Miles
  • British Airways Executive Club
  • Delta Sky Miles
  • Emirates Skywards
  • Etihad Guest
  • Finnair Plus
  • Flying Blue
  • Iberia Plus
  • Qantas Frequent Flier
  • Singapore KrysFlyer
  • SAS EuroBonus
  • Virgin Atlantic Flying Club

Hotel Partners

  • Hilton Honors
  • Marriott Bonvoy
  • Radisson Rewards

Balance Transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card


Penalty APR See Rates & Fees
Late Fee Up to $40
Returned Payment Fee Up to $40
Additional Cards Annual Fee $0 for the first 5, then $35 each
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 25.24% Variable
Cash Advance Fee Either $10 or 5% of the amount of each cash advance, whichever is greater.
How to Get a Cash Advance with a Credit Card
American Express® Gold Card


(Rates & Fees)
  • Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
  • Earn 4X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery.
  • Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on
  • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.

American Express

American Express has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-243-3888 or

Try a different phone number
See all Issuer Cards

The new Gold card is a metal card, unlike the old version. It’s currently available in a typical gold style, and was previously available in rose gold as well for regular applicants. For a limited time, you can get the rose gold version again if you apply through a friend’s Refer a Friend link.

It has contactless technology, so you can pay with the card by tapping on terminals that support this option. This is rare for metal credit cards.

The new Gold Card offers 4X Membership Points per dollar at restaurants worldwide and U.S. supermarkets. The supermarket rewards are limited to the first $25,000 spent per calendar year on purchases, after which you’ll earn 1X point per dollar.

3X Membership Rewards points are earned for flights booked directly through airlines, or through

Cardholders get a $120 Dining Credit each year, broken up into $10 per month. This credit is only good for purchases from Grubhub, Seamless, Boxed, The Cheesecake Factory, Ruth’s Chris Steak House, and participating Shake Shacks.

There’s also a $100 Airline Fee Credit every year, which is good for incidental charges at the airline of your choice (through 2021). This covers incidental fees only, like baggage, and doesn’t cover flight tickets.

There are a variety of other perks too, and you’ll get access to over 22 airline and hotel transfer partners. Quite a few shopping and travel protections are included as well.

The Gold Card costs $250 per year, and has no foreign transaction fees (Rates & Fees).