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2020 Review: The American Express® Gold Card – Best Dining/Travel Card?

Updated Nov 20, 2020 | Published Jul 28, 202014 min read

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American Express® Gold Card

Min Credit Level Good
Annual Fee $250
Regular APR See Pay Over Time APR
At a glance

The American Express Gold Card features strong perks and rewards for the traveling foodie. It does carry a high annual fee, but it’s somewhat mitigated by the introductory bonus, the airline and dining credits, and the plethora of benefits it offers.

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Our Rating: 5 Out of 5 Stars

We give the American Express® Gold Card 5 out of 5 Stars for offering exceptional rewards and value. It’s one of the best travel rewards cards available right now.

Why We Like It

  • 4X points at restaurants worldwide
  • 4X points at U.S. supermarkets (up to $25,000 per calendar year in purchases, then 1X)
  • 3X points on flights booked through airlines or Amex Travel
  • $120 dining credit
  • $100 airline credit (through 2021)
  • Points can be transferred to a variety of airline and hotel loyalty programs
  • No expiration date on rewards points
  • No foreign transaction fees

Why It Could Be Better

  • Somewhat high annual fee of $250
  • Relatively low introductory bonus
  • Not everyone accepts American Express, especially internationally

American Express® Gold Card

Our rating
Min. credit levelGood
Details
(Rates & Fees)
Annual Fee$250
Regular APRSee Pay Over Time APR
Apply Now

securely on the issuer's website

  • 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 amextravel.com.
  • $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 is a Credit Card Insider advertiser.

If you’re looking for a new card that has impressive rewards and makes an impact, the American Express Gold Card might be for you.

It offers 4X Membership Rewards points per $1 spent at restaurants worldwide and 4X Membership Rewards points per $1 spent at U.S. supermarkets (up to $25,000 per calendar year in purchases, then 1X), you can also earn 3X points per $1 spent on flights booked directly through airlines or through American Express Travel.

You’ll earn 60,000 bonus points for spending $4,000 in the first 6 months, which can help fuel your next vacation or trip.

Cardholders get access to a nice suite of added benefits, particularly the $120 dining credit and $100 airline credit (through 2021). 

You also get the prestige of a metal card in gold. If you applied before 1/9/2019 you also had a chance at the limited edition rose gold style, which is no longer available for new applicants (but, for a limited time, you can choose rose gold if you apply through a friend’s Refer a Friend link).

Insider Advice: Getting the Most Out of Your Card

  • Pay for select purchases: Use the card for dining out and at grocery stores to earn 4X points per $1 spent, and for flights to earn 3X points. Use a different card for other purchases to earn more rewards in other categories.
  • Use the $120 dining credit: Use the card at participating partners, like Grubhub, Boxed, and The Cheesecake Factory, to get up to $10 in statement credits per month. Each year you can get up to $120 back this way, but take note that you’ll need to enroll before you get the credits.
  • Take advantage of the $100 airline credit: Select a qualifying airline and receive up to $100 per calendar year in statement credits, when incidental fees like checked bags and in-flight refreshments are charged by the airline to your Gold card (through 2021).
  • Claim the introductory bonus: 60,000 bonus points for spending $4,000 in the first 6 months.
  • Check your benefits: The American Express Gold Card offers some valuable benefits that can help make your vacations go more smoothly, such as a Lowest Hotel Rate Guarantee, Personalized Travel Service, and the Global Assist Hotline.
  • Redeem with point transfers: Transfer your points to travel loyalty programs, at airlines and hotels, to get the best value.
  • Tap and go: The Gold Card offers contactless technology, allowing you to pay for purchases simply by tapping it on compatible checkout terminals.

The Rewards

With this card, you can earn the equivalent of 0.5%–8% cash back on your purchases, depending on what you buy.

Earning

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

If you frequently eat out, cook at home, or travel, you can rack up points quickly.

The loss of the ability to earn 2X points per $1 spent at gas stations is a drawback, as that was a decent perk of the old Premier Rewards Gold Card (although it wasn’t an amazing feature by any means). If you’re looking to earn rewards at the pump, it will probably be worth looking for another rewards card in addition to this one.

When spending at the 4X rates, you could earn a cash back equivalent up to 8%, or potentially more, depending on how you redeem. Purchases of flights at the 3X rate could yield as much as 6% cash back or more.

Your points never expire as long as your account is open, so you can build up points without worrying about losing them.

Redeeming

Depending on how you redeem your points, they can be worth anywhere from 0.5 to 2 cents each, and in some cases even more.

Point transfers will offer the best value, allowing you to earn up to 2 cents per point or more, depending on the deal you get.

We recommend holding onto your points until you can find a point transfer for about 2 cents or more. But you can redeem your points in other ways, too.

  • Flights, hotels, or car rentals
  • Statement credits
  • Gift cards
  • Shop through partner retailers
  • Charitable donations

For travel redemptions, flights will offer the best value at 1 cent per point. Statement credits offer a very poor value at just 0.6 cents per point. Gift cards and certain travel redemptions are slightly better at a maximum of 1 cent per point, but point transfers can offer double that value.

Redemption Method Point Value (In Cents)
Point Transfers 0.8–2
Air travel or hotels 0.5–1
Gift Cards 0.7–1
Donations 0.7
Statement credits 0.6
Shop Through Retailers 0.5–1

Here we break down a few different redemption methods and their values, showing how much your points are worth for each. For all of these examples, we assume that you’re trading in 10,000 Membership Rewards points.

Transferring to Loyalty Programs

You can transfer your Membership Rewards points to a number of frequent traveler programs, which cover several popular airlines and hotel chains.

There’s a fee of $0.0006 per point when transferring to U.S. airlines, but there’s no charge for any other transfers. The typical conversion rate is 1:1, although there are some offers that provide higher rates.

There are also some loyalty programs that offer less favorable transfer rates. One example is JetBlue, where 1 Membership Rewards point is only equal to 0.8 JetBlue points.

Take note that the transfer rates are subject to change, with occasional promotional offers of better-than-usual rates.

Below are just a few of the most popular frequent traveler programs, including their current transfer rates and some point conversion examples.

Loyalty Program Type Transfer Rate You Give You Get
Aer Lingus Airline 1:1 1,000 1,000
AeroMexico Airline 1:1.6 1,000 1,600
Air Canada Airline 1:1 1,000 1,000
British Airlines Airline 1:1 1,000 1,000
Hawaiian Airways Airline 1:1 1,000 1,000
JetBlue Airline 1:.8 250 200
Hilton Honors Hotel 1:2 1,000 2,000
Choice Privileges Hotel 1:1 1,000 1,000
Marriott Bonvoy Hotel 1:1 1,000 1,000

The Benefits

Although the American Express Gold Card allows you to earn rewards quickly, the card offers a lot of value through its benefits, too. Depending on which benefits you use, you could easily get at least $250 in value from the card per year (enough to offset the annual fee).

  • $100 airline credit: Get up to $100 for incidental fees when you fly, like airline meals or checked baggage fees. You must select a qualifying airline ahead of time to use the credit (through 2021).
  • $120 dining credit: Earn up to $10 in statement credits monthly when you pay with the American Express Gold Card at participating restaurants and merchants, including Grubhub, Seamless, and Boxed.
  • The Hotel Collection: Get a $100 credit for qualifying charges, and room upgrades when available. To qualify, you must book a hotel stay of at least two nights through American Express Travel or other eligible American Express travel services. This perk is available for every eligible stay you book.
  • Lowest Hotel Rates Guarantee: If you find your room being advertised for a lesser price you can be reimbursed for the difference, as long as you file a claim before check-in. All stays must be booked through American Express Travel to qualify.
  • Complimentary ShopRunner membership: Enroll in ShopRunner to get free two-day shipping and returns with select retailers.
  • The Travel Collection: Join the Travel Collection at no additional cost and access discounts and perks at select hotels, airlines, and car rental companies.
  • Personalized Travel Service: Call to get personalized assistance with booking hotels, flights, or ground transportation.
  • Extended Warranty: Eligible manufacturer’s warranties can be extended by up to two years.
  • Purchase Protection: Eligible purchases made with the card are protected against accidental damage or theft for up to 120 days. Residents of New York, Indiana, Guam, Puerto Rico, and the Northern Mariana Islands only have up to 90 days.
  • Global Assist Hotline: If you lose your passport or need help with customs, you can call the Global Assist Hotline for assistance.
  • Baggage Insurance Plan: Get up to $1,250 in coverage for carry-on luggage and up to $500 for checked baggage in case your luggage is lost, stolen, or damaged.
  • Car Rental Loss and Damage Insurance: Decline the rental company’s own insurance on eligible vehicles, and you’ll get coverage against theft and damage.

The Terms & Fees

Purchase APR Balance Transfer APR Cash Advance APR
See Pay Over Time APR None 25.24% Variable
Annual Fee Foreign Transaction Fee
$250 None
Balance Transfer Fee Cash Advance Fee
None Either $10 or 5% of the amount of each cash advance, whichever is greater.
Penalty APR Late Fee Returned Payment Fee
See Rates & Fees Up to $40 Up to $40

The terms and fees are very simple. The Gold Card has an annual fee of $250.

You’ll typically have to pay off your balance in full by the statement due date each month, or you’ll get hit with late fees and penalties.

However, purchases over $100 may be eligible for American Express’ Pay Over Time program. This perk allows you to spread your payments over several months, but that balance will be subject to interest charges so we recommend avoiding it.

Eligible charges can be included in a Pay Over Time balance, up to the Pay Over Time Limit. Eligible charges include purchases, foreign transaction fees, and annual membership fees. The following are ineligible for Pay Over Time: cash advances, including cash and other cash equivalents, certain insurance premiums, and any other fees owed to American Express. Pay Over Time Limit applies to the total of the Pay Over Time, cash advance, and Plan balances.

All charges not added to a Pay Over Time balance, a monthly payment plan, or a cash advance balance must be paid in full each month by the payment due date.

There are no foreign transaction fees, making it a good option for those who travel regularly. However, American Express isn’t widely accepted internationally, so it makes sense to have a Visa or Mastercard that doesn’t charge foreign transaction fees, too.

The Bottom Line

If you love food and travel, the American Express® Gold Card offers exceptional rewards and benefits.

To decide whether or not it’s right for you, consider how often you travel and eat out. If you make several trips a year, or eat out once a week or more, you’ll quickly rack up rewards. Most people spend several hundred dollars at grocery stores per month as well, which will provide quite a few points.

Between its rewards and welcome bonus, along with the airline and dining credits, there are plenty of cost-saving features to help offset the $250 annual fee.

How Do I Apply for the American Express Gold Card?

Follow the link below to apply now. Many people will receive a response within seconds, but in some cases it could take longer.

If approved, you’ll get a notification. If you’re not approved, you’ll receive a letter in the mail explaining why you were denied.

What Credit Scores Do I Need to Qualify for the American Express Gold Card?

You’ll need good credit scores to apply for the American Express Gold Card.

That means you’ll want credit scores of 670–739 for FICO or 700–749 for VantageScore.

If you’re not in those ranges, you still might have a shot. Credit card issuers consider many factors when considering if you’re a good candidate or not. However, even if you have those scores or above, that means you might not make it.

Qualifications and Requirements

  • Must be 18 to apply
  • Personal information: Name, date of birth, Social Security number, U.S. citizenship status
  • Address and contact information: Home address, phone number, email address
  • Financial information: Total annual income, source of income

American Express® Gold Card

Our rating
Min. credit levelGood
Details
(Rates & Fees)
Annual Fee$250
Regular APRSee Pay Over Time APR
Apply Now

securely on the issuer's website

  • 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 amextravel.com.
  • $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 is a Credit Card Insider advertiser.

Frequently Asked Questions

What are my rewards points worth?

Your Membership Rewards points are typically worth 0.5–2 cents, depending on your redemption method. You could usually see a cash back equivalent of .5%–8% based on where you shop and how you redeem.

What kind of travel credits do I get with the American Express Gold Card?

There are a number of annual and per-visit credits attached to the card. There’s an annual $100 incidental airline fee credit (through 2021), a $100 repeatable hotel credit, and an annual $120 dining credit. Check out a full list of the benefits you can expect with your card.

What is the annual fee for the American Express Gold Card?

The annual fee is $250. Take a look at all the terms and fees for your card.

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Alternatives to the American Express Gold Card

There are lots of different rewards credit cards available, and some of them may fit better with your spending and travel habits. If you have good to excellent credit, it’s a good idea to compare offers from multiple card issuers to find the best one for you.

The Platinum Card® from American Express

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  • Min. credit levelGood
  • Annual Fee$550
  • Regular APRSee Pay Over Time APR

Rates & Fees

A high-end metal card with a large annual fee, The Platinum Card® from American Express (Review) is for regular travelers who want more luxurious benefits. It’s a bit like an upgraded version of the Gold Card.

Unlike the American Express Gold Card, the Platinum Card does not allow you to earn high rewards for purchases at supermarkets or dining out. It mostly benefits those who travel often, and has many perks that will enhance your travel experience.

The Platinum Card by American Express’ real value comes from its substantial benefits. You’ll get the best airport lounge access available on any credit cardannual travel credits, and even Uber credits.

Not sure whether you’d benefit more from the Amex Platinum or Amex Gold? Explore our detailed card comparison to learn more about why each card might be worth your time.

Spending Rewards
  • 5X Membership Rewards points per dollar (starting 1/1/21, on up to $500,000 spent per calendar year) on:
    • Flights booked directly with airlines or with Amex Travel
    • Eligible hotels booked with Amex Travel
  • 2X Membership Rewards points per dollar spent on other eligible purchases from Amex Travel
  • 1X Membership Rewards point per dollar spent everywhere else
Introductory Bonus Offer
  • 75,000 bonus points for spending $5,000 in the first 6 months; 10X points on eligible purchases at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, in the first 6 months

Depending on how you earn and redeem your points, you can earn a cash back equivalent up to 10%. That assumes you’re spending in the 5X category and redeeming for 2 cents per point, using point transfers to travel partners.

Other spending and redemption rates, such as gift cards, will provide a lesser value.

  • Global Lounge Collection: Provides access to a wide variety of lounge brands, such as Centurion, Priority Pass, and Delta Sky Club. That’s a vast improvement over the Gold Card, which doesn’t offer airport lounge access.
  • Annual airline fee credit: Get a $200 Airline Fee Credit for incidental fees at one airline of your choice every year. This perk is similar to the airline credit offered by the Gold Card, but it’s larger (through 2021).
  • Fee credit for Global Entry or TSA PreCheck: Receive a statement credit for the application fee of either Global Entry ($100 every four years) or TSA PreCheck ($85 every four-and-a-half years).
  • Fine Hotels & Resorts Program: You’ll get room upgrades when available, daily breakfasts for two, complimentary WiFi, and more.
  • The Hotel Collection: A $100 hotel credit for every eligible two-night stay.
  • Hilton Honors Gold status: Stay at hotels within the Hilton portfolio and get benefits like room upgrades, your 5th night free, and an 80% bonus on base points earned.
  • Marriott Bonvoy Gold Elite status: Receive perks like room upgrades, late checkout, and a 25% bonus on base points earned.
  • $200 in Uber credits each year: A statement credit for up to $15 in Uber rides (or Uber Eats) each month, except for December, which has a $35 credit.
  • $100 annual Saks credit: Get statement credits for Saks Fifth Avenue every year: up to $50 from January to June, and up to $50 from July to December.
  • Platinum Dining program: Snag coveted reservations by calling your concierge service and selecting “Dining” from the menu.
  • Amex Offers: Receive discounts and extra point offers from dozens of participating merchants.
  • No foreign transaction fee
  • Annual fee: $550
  • Earn 75,000 Membership Rewards® Points after you spend $5,000 on purchases on your new Card in your first 6 months of Card Membership.
  • Earn 10x points on eligible purchases on your new Card at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership. That’s an additional 9 points on top of the 1 point you earn for these purchases.
  • Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member and Additional Centurion Cards only.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year.
  • 5X Membership Rewards® Points on prepaid hotels booked on amextravel.com.
  • Enjoy complimentary access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits through American Express Travel with an average total value of $550 with Fine Hotels & Resorts® program at over 1,100 properties . Learn More.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
  • $550 annual fee.
  • Terms Apply.

Chase Sapphire Preferred® Card

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  • Min. credit levelGood
  • Annual Fee$95
  • Regular APR15.99% - 22.99% Variable

If you’re looking for a rewards card with a lower annual fee, the Chase Sapphire Preferred® Card (Review) might be a better choice for you than the Gold Card.

The Chase Sapphire Preferred card comes with some nice benefits, including the ability to earn referral bonuses, along with excellent point earning and transfer opportunities.

Spending Rewards
  • 2X Ultimate Rewards points per dollar spent on:
    • Travel
    • Dining at restaurants
  • 1X Ultimate Rewards point per dollar spent everywhere else
Introductory Bonus Offer
  • 80,000 bonus points for spending $4,000 in the first 3 months

Generally, the Ultimate Rewards (UR) points that you’ll earn with this card are worth 1 cent each. But redeem them through the Chase Ultimate Rewards program and you’ll get 1.25 cents per point.

That option allows you to earn a 2.5% cash back equivalent for travel and dining, with 1.25% everywhere else.

If you opt for a point transfer, you can potentially get even more value: up to 2 cents per point. At that rate, you could earn up to a 4% cash back equivalent for travel and dining, with 2% back for every other purchase.

  • 25% point bonus when redeeming for travel expenses through Chase Ultimate Rewards
  • Point Transfer: 1:1 point transfer to leading frequent travel programs at full value – that means 1,000 Ultimate Rewards points equal 1,000 partner miles/points.
  • 15,000-point referral bonus: Receive a 15,000-point bonus for every friend you refer who applies and is approved, up to 75,000 bonus points per year. That’s $187.50 per person if you redeem those points for travel with Chase Ultimate Rewards.
  • Luxury Hotel & Resort Collection: Book through this program to get perks like daily breakfast for two, complimentary WiFi, room upgrades, early check-in or late check-out, and a unique gift.
  • Shop through Chase/Chase Offers: Earn more points by shopping at participating retailers with the Shop through Chase marketplace, and find discounts via Chase Offers.
  • Chase Preferred Experiences: As a Sapphire Preferred cardholder you’ll have access to exclusive events and experiences provided by Chase.
  • Visa Signature Concierge: You can call 1-800-953-7392 to speak with your Visa Signature Concierge, 24/7
  • Shopping protections: Purchase Protection, Extended Warranty Protection
  • Travel protections: Trip Cancellation/Interruption Insurance, Trip Delay Reimbursement, Lost Luggage Reimbursement, Auto Rental Collision Damage Waiver, and more
  • Dedicated customer service specialists: Get 24/7 access to a dedicated customer service line. Just call the number on the back of your card and get connected to a real person right away, rather than an automated system.
  • Purchase and Balance Transfer APR: 15.99% - 22.99% Variable
  • No foreign transaction fee
  • Annual fee: $95
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,000 toward travel when you redeem through Chase Ultimate Rewards(R).
  • 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 80,000 points are worth $1,000 toward travel.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash’s subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That’s 3X points in addition to the 2X points you already earn on travel.

Chase Sapphire Reserve®

  • Min. credit levelExcellent
  • Annual Fee$550
  • Regular APR16.99%-23.99% Variable

If you’re looking for a more significant bonus than the Gold Card and better travel perks, check out the Chase Sapphire Reserve® (Review). Boasting valuable travel credits along with that nice bonus, this card’s features can quickly offset its high annual fee.

Spending Rewards
  • 10X Ultimate Rewards points per dollar on Lyft rides
  • 3X Ultimate Rewards points per dollar on:
    • Travel (after the full travel credit is used)
    • Dining
  • 1X Ultimate Rewards point per dollar on all other purchases
Introductory Bonus Offer
  • 50,000 bonus points for spending $4,000 in the first 3 months after account opening

The Sapphire Reserve provides a 50% point bonus when redeeming through the Ultimate Rewards program for eligible travel expenses, which would give your points a value of 1.5 cents each.

At that rate, you’d be earning a cash back equivalent of 4.5% for travel and dining, with 1.5% everywhere else. That’s not too bad.

But, like the Sapphire Preferred above, you can do even better by transferring your points to an airline or hotel loyalty program. If you manage to get 2 cents per point, that would give you a cash back equivalent of 6% for travel and dining, and 2% everywhere else.

  • 50% point bonus: When redeeming for travel expenses through Chase Ultimate Rewards
  • Point transfer: Transfer your points at a 1:1 rate to a variety of airline and hotel loyalty programs, like United, JetBlue, and Marriott.
  • $300 annual travel credit: You’ll get a $300 travel credit every year that will be automatically applied to any travel-related expenses you charge to your card. Unlike the Gold Card’s airline credit, which can only be applied to fees on one pre-selected airline, the Chase Sapphire Reserve’s $300 travel credit can be used for many different types of travel purchases, including airfare or rental cars.
  • Priority Pass Select membership: Cardholders get complimentary Priority Pass Select membership, which provides access to over 1,000 airport lounges worldwide plus a selection of restaurants. That’s a luxury that the Gold Card just doesn’t offer.
  • Luxury Hotel & Resort CollectionThe Luxury Hotel & Resort Collection provides some complimentary services and benefits at participating hotels and resorts, including room upgrades, daily breakfast for two, and special gifts.
  • Global Entry or TSA Pre✓ application fee credit: Get a statement credit to offset the cost of signing up for Global Entry ($100) or TSA Pre✓ ($85).
  • Elite Hotel Benefits at Relais & Châteaux: Cardholders get accelerated progress towards Club 5C member status with Relais & Châteaux luxury hotel and resort properties.
  • Visa Infinite Concierge: Call for non-emergency help of all kinds, like making dinner reservations or finding good tickets to a show. To reach the Visa Infinite Concierge, call 1-877-660-0905.
  • Special car rental privileges: Get rental upgrades, discounts, and promotional offers at rental companies like Avis, Silvercar, and National Car Rental.
  • Lyft Pink membership: One free year of Lyft Pink, which includes 15% off rides, relaxed cancellations, surprise offers, and priority airport pickup
  • DoorDash membership: A free membership (DashPass) for a year, which provides free delivery for orders of $15 or more
  • $60 annual DoorDash credit: Get $60 in DoorDash credits in 2020, and $60 in credits in 2021.
  • Shopping protections: Purchase Protection, Extended Warranty, and Return Protection
  • Travel protections: Travel and Emergency Assistance, Auto Rental Collision Damage Waiver, Baggage Delay Insurance, Trip Delay Reimbursement, and more
  • Purchase and Balance Transfer APR: 16.99%-23.99% Variable
  • No foreign transaction fee
  • Annual fee: $550

Blue Cash Preferred® Card from American Express

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securely on the issuer's website

  • Min. credit levelGood
  • Annual Fee$0 introductory annual fee for one year, then $95
  • Regular APR13.99% - 23.99% Variable

Rates & Fees

If you want to earn higher rewards at the grocery store rather than on travel, the Blue Cash Preferred® Card from American Express (Review) might be for you. It allows you to earn 6% cash back at U.S. supermarkets, up to $6,000 a year (then 1%).

This card provides plenty of rewards on your everyday spending. If you’re not big on travel or restaurants, the Blue Cash Preferred is probably a better option than the Gold Card. It offers some of the same benefits, but you’ll miss out on valuable perks like the $100 airline credit (through 2021), $120 dining credit, and access to The Hotel Collection.

The Blue Cash Preferred has a no annual fee counterpart, too — the Blue Cash Preferred® Card from American Express (Review) —if that’s what you’d prefer. Check out our comparison of the Blue Cash cards to see how they stack up.

Spending Rewards
  • 6% cash back for:
    • U.S. supermarkets (up to $6,000 spent annually, then 1%)
    • Select U.S. streaming services
  • 3% cash back for:
    • U.S. gas stations
    • Transit
  • 1% cash back on all other purchases
Introductory Bonus Offer
  • $300 statement credit for spending $3,000 in the first 6 months
  • Amex Offers: You can get discounts at a wide range of merchants, both in-store and online.
  • Complimentary ShopRunner Membership: You can enroll in ShopRunner for free and get access to free two-day shipping and returns with select retailers.
  • Entertainment Access: Get exclusive discounts to concerts, sporting events, and more.
  • Lowest Hotel Rates Guarantee: If you book an eligible prepaid hotel room through American Express Travel and then find the same room being advertised online for a lower price, you can be refunded for the difference.
  • Shopping protections: You’ll also receive benefits like Extended Warranties, Purchase Protection, and Return Protection.
  • Travel protections: You’ll get access to additional coverage when traveling, such as Car Rental Loss and Damage Insurance and the Global Assist Hotline.
  • Purchase APR: 0% on purchases for 12 months, then 13.99% - 23.99% Variable
  • Annual fee: $0 introductory annual fee for one year, then $95
  • Limited Time Offer: Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Offer Expires 12/10/2020
  • Limited Time Offer: $0 introductory annual fee for one year, then $95. Offer Expires 12/10/2020
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee and no interest.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.

American Express® Gold Card

Our rating
Min. credit levelGood
Details
(Rates & Fees)
Annual Fee$250
Regular APRSee Pay Over Time APR
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securely on the issuer's website

  • 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 amextravel.com.
  • $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.

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For rates and fees of the American Express® Gold Card, please click here.

For rates and fees of The Platinum Card® from American Express, please click here.

For rates and fees of the Blue Cash Preferred® Card from American Express, please click here.

Written by

Kat Tretina

Kat Tretina is a contributor to Credit Card Insider who writes about credit cards and other personal finance topics. Her work has appeared in publications like the Huffington Post, Money Magazine, Business Insider, and more.

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