American Express
Amex Gold
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Card review
Amex Gold
American Express
Last updated September 21, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$250
Welcome bonus
60,000 Membership Rewards points
Est. net value
$843/yr
Credit score
Good
Top earn rate
8% dining
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Amex Gold from American Express carries a $250 annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $853.20 in rewards plus $240.00 in credits and perks — $843.20 net per year before welcome bonuses.
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.
| Category | Rate |
|---|---|
| DiningDining | 8% |
| GroceriesGroceries | 8% |
| TravelFlights | 6% |
| TravelTravel | 2% |
| TravelHotels | 2% |
| GasGas & Transit | 2% |
| EntertainmentStreaming | 2% |
| Everything elseShopping | 2% |
| Everything elseOther | 2% |
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
- $120 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 & perks
- $120 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
Features like Pay Over Time and Plan It offer flexibility for managing payments.
Transfer partners
Where this card's points can go, and at what ratio. 18 partners.
- Air Canada Aeroplan1:1
- Air France KLM Flying Blue1:1
- ANA Mileage Club1:1
- Avianca LifeMiles1:1
- British Airways Avios1:1
- Cathay Asia Miles1:1
- Delta SkyMiles1:1
- Emirates Skywards1:1
- Etihad Guest1:1
- Iberia Plus1:1
- Qantas Frequent Flyer1:1
- Qatar Privilege Club1:1
- Singapore KrisFlyer1:1
- Virgin Atlantic Flying Club1:1
- Aeromexico Rewards1:1
- 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
- Annual fee
- −$250
- Stated credits
- +$120
- Perks (est.)
- +$120
- Net after credits & perks
- -$10
Verdict
Fee exceeds stated credits & perks
You'll need enough rewards on your spend to cover the gap — model that below.
WalletFlo 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.
Side by Side Compare
Compare against another card with the same spend profile.
Is the Annual Fee Worth it?
See if credits and perks offset the annual fee.
Points & Miles → $ Converter
Convert membership rewards points to dollar value.
Awards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Transfer Partner Calculator
Model transfer ratios to airline and hotel partners.
Reward calculator
Model this card on your spend — adjust categories and compare with others.
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Compare Amex Gold
Head-to-head guides for cards shoppers often cross-shop.
Frequently asked questions
- What credit score do I need?
- We flag 700+ as a typical starting point — issuer approval depends on your full profile.
- Is the annual fee worth it?
- See the annual fee analysis above, or open the full calculator to model credits and perks against $250 per year.