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
4x
Groceries
4x
Everything else
3x
Where it wins:
Stated credits ($424/yr) cover the $325 annual fee on their own — rewards earn on top.
Overview
How this card fits in your wallet — fees, value, and who it's built for.
How the points work
Earn 4X Membership Rewards at restaurants worldwide
Earn 4X at U.S. supermarkets on up to $25,000 per calendar year
Earn 3X on flights booked directly with airlines or on amextravel.com.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
- Dining4×
- GroceriesU.S. Supermarkets4×
- Everything elseAirfare3×
- Everything elseAll Purchases1×
Welcome offer
100,000 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$120/yr
Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys.
- Uber$120/yr
Receive a $10 monthly credit in Uber Cash for Uber Eats and Uber rides.
- Dunkin’$84/yr
Enrollment required.
- Resy$100/yr
After you pay with the Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases, you can get up to $100 back annually. Enrollment required through your Card Account.
Benefits
- Uber Eats Pass
Get $0 delivery fees, 5% off restaurant orders over $15, and $0 delivery fees on grocery deliveries over $30 in select markets. Must enroll by December 31, 2021
- The Hotel Collection
Book The Hotel Collection and get the following benefits when you stay at least two consecutive nights: $100 hotel credit and room upgrades (when available).
- ShopRunner
Free membership to ShopRunner. Free two-day shipping, free return shipping, special deals and discounts at select retailers.
- Amex Concert Benefits
Access to presales for advance ticket purchases and special preferred seating through Ticketmaster.
- Auto Purchasing Program
Find TrueCar certified dealerships that allow you to purchase vehicles with your card and get special discounts and other perks.
- Amex Offers
Promotions and discounts offered exclusively to card holders.
- Amex Travel
Online travel portal that allows you to book various forms of travel including: flights, hotels, rental cars, cruises, and vacation packages.
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
Credits & perks offset the fee on paper
Only valuable if you'd use those credits anyway — rewards on spend can close any remaining gap.
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 points and miles to estimated cash value.
Open CalculatorAwards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Open CalculatorTransfer Partner Calculator
Explore transfer partner conversions across programs.
Open CalculatorRewards Calculator
Model this card on your spend — adjust categories and compare with others.
FAQ's
Issuers generally look for good-to-excellent credit; exact thresholds vary.
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.