Gold Card rewards & benefits.

Amex · charge · $325 annual fee · <p>Earn 4X Membership Rewards at restaurants worldwide</p> <p>Earn 4X at U.S. supermarkets on up to $25,000 per calendar year</p> <p>Earn 3X on flights booked directly with airlines or on amextravel.com.</p> <p><a href="https://www.uponarriving.com/amex-gold-card/" target="_blank" rel="noopener">Learn more</a></p>. Here's what it earns, what it costs, and whether it's worth it.

Rewards by category

effective cash-back rate
·
Dining
8%
·
Groceries
2%
·
Gas
2%
·
Travel
2%
·
Online shopping
2%
·
Entertainment
2%
·
Transit
2%
·
Everything else
2%
·
Annual fee
$325
·
Welcome bonus
No current welcome bonus

Credits

·
Dining
$120
·
Uber
$120
·
Dunkin’
$84
·
Resy
$100

Perks

Is the Gold Card worth it?

On a typical US spending profile, the Gold Card projects to about $1,248 in annual rewards, or roughly $923 after its $325 annual fee. Your real number depends on where you actually spend — and on catching the credits and bonuses most people forget. WalletFlo tracks all of it automatically.

Common questions

What credit score do I need for the Gold Card?

A good-to-excellent credit score is generally recommended. Approval also depends on income, existing accounts, and issuer rules.

Is the Gold Card's annual fee worth it?

It charges $325 a year. Its recurring credits alone are worth about $424 if you use them. Use the annual-fee calculator to check for your situation.

See what your real wallet is actually earning — and what you're leaving on the table.

Get WalletFlo free