Flo Analysis
Computed from live catalog data — where this card ranks, wins, and needs a caveat.
Category standing — vs 1,096 cards in the catalog
Dining
8%
Groceries
8%
Travel
6%
Overview
How this card fits in your wallet — fees, value, and who it's built for.
How the points work
4x dining & US supermarkets (up to $25k/yr), 3x flights, 1x else
Rewards post to membership rewards.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
- Dining8%
- Groceries8%
- TravelFlights6%
- Travel2%
- TravelHotels2%
- GasGas & Transit2%
- EntertainmentStreaming2%
- Everything elseShopping2%
- Everything elseOther2%
Welcome offer
60,000 Membership Rewards points
- Spend $8,000 in 180 days
- Est. value: $2,000 (WalletFlo catalog)
Credits & Benefits
Statement credits and perks we model in net-value calculations.
Credits
- Dining Credit$120/yr
Earn up to $10 in statement credits monthly when you pay with the Gold Card at participating partners. Enrollment required.
Benefits
- Dining Credit$120/yr
Earn up to $10 in statement credits monthly when you pay with the Gold Card at participating partners. Enrollment required.
- More Ways to Pay
Flexibility with Pay Over Time to carry a balance with interest, and Plan It to split large purchases into monthly installments with a fixed fee.
Transfer partners
Where this card's points can go, and at what ratio. 19 partners.
- Air Canada Aeroplan1:1
- Air France KLM Flying Blue1:1
- ANA Mileage Club1:1
- Avianca LifeMiles1:1
- British Airways Avios1:1
- Cathay Asia Miles5:4
- Delta SkyMiles1:1
- Emirates Skywards5:4
- Etihad Guest1:1
- Iberia Plus1:1
- JetBlue TrueBlue5:4
- Qantas Frequent Flyer1:1
- Qatar Privilege Club1:1
- Singapore KrisFlyer1:1
- Virgin Atlantic Flying Club1:1
- Aeromexico Rewards1:1.6
- Choice Privileges1:1
- Marriott Bonvoy1:1
- Hilton Honors1:2
Work out what a transfer is worth in the transfer calculator.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
Verdict
Fee exceeds stated credits & perks
You'll need enough rewards on your spend to cover the gap — model that below.
Flo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Open CalculatorSide by Side Compare
Compare against another card with the same spend profile.
Open CalculatorIs the Annual Fee Worth it?
See if credits and perks offset the annual fee.
Open CalculatorPoints & Miles → $ Converter
Convert membership rewards points to dollar value.
Open CalculatorAwards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Open CalculatorTransfer Partner Calculator
Model transfer ratios to airline and hotel partners.
Open CalculatorRewards Calculator
Model this card on your spend — adjust categories and compare with others.
Compare Amex Gold
Head-to-head guides for cards shoppers often cross-shop.
FAQ's
We flag 700+ as a typical starting point — issuer approval depends on your full profile.
See the annual fee analysis above, or open the full calculator to model credits and perks against $325 per year.
Use the rewards calculator above — set your monthly spend by category and the engine models net annual value on this card server-side.