Amex
Gold Card
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Card review
Gold Card
Amex
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
$325
Welcome bonus
See issuer
Est. net value
$1,258/yr
Credit score
Varies
Top earn rate
4x dining
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Gold Card from Amex carries a $325 annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $1,159.20 in rewards plus $424.00 in credits and perks — $1,258.20 net per year before welcome bonuses.
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.
| Category | Rate |
|---|---|
| DiningDining | 4× |
| GroceriesU.S. Supermarkets | 4× |
| Everything elseAirfare | 3× |
| Everything elseAll Purchases | 1× |
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 & perks
- 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. 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
- −$325
- Stated credits
- +$424
- Perks (est.)
- +$0
- Net after credits & perks
- $99
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.
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 points and miles to estimated cash value.
Awards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Transfer Partner Calculator
Explore transfer partner conversions across programs.
Reward calculator
Model this card on your spend — adjust categories and compare with others.
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- See the annual fee analysis above, or open the full calculator to model credits and perks against $325 per year.