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American Express® Gold Card

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Card review

American Express® Gold Card

4.6 9.2/10 DebitCue Score Verified Jun 20, 2026

The foodie's travel card — 4x at restaurants and supermarkets with over $400 in annual dining credits.

Fee: $325 USD/yr
Purchase APR: 19.49% - 28.49%
Interest-free: -
Foreign fee: None

Rewards

4x points at restaurants worldwide and U.S. supermarkets (up to $50,000/$25,000 per year); 5x on prepaid hotels via Amex Travel; 3x on flights; 2x on car rentals & cruises; 1x other

Welcome offer

Up to 100,000 Membership Rewards points after $8,000 spend in first 6 months

Our verdict

What stands out, and where it falls short.

What we like

4x points at restaurants worldwide and U.S. supermarkets (up…
Welcome bonus
No foreign transaction fees
Travel insurance included

Worth weighing

$325 USD/yr card fee

Who It Is For

Whether the American Express® Gold Card fits how you actually spend.

Pick it if you are

Frequent travelers
People who want rewards on their spending

Skip it if you are

Light spenders who won't beat the $325 USD/yr fee

Rates and fees

As of June 20, 2026

All amounts shown in USD.

Card fee: $325 USD/yr
Purchase APR: 19.49% - 28.49%
Interest-free period: -
Foreign transaction fee: None
Penalty APR: 29.99% variable

Rewards and features

Rewards: 4x points at restaurants worldwide and U.S. supermarkets (up to $50,000/$25,000 per year); 5x on prepaid hotels via Amex Travel; 3x on flights; 2x on car rentals & cruises; 1x other
Welcome offer: Up to 100,000 Membership Rewards points after $8,000 spend in first 6 months
Pay with: Apple Pay, Google Pay, Contactless, Virtual card
Pay Over Time: APR 19.49%–28.49% variable on carried balances
Hotel Collection Credit: $100 credit per Hotel Collection booking (2-night minimum)
Hertz Status: Complimentary Hertz Five Star status

Benefits and perks

Extras that come bundled with the card.

No foreign transaction fees
Up to $120/yr Uber Cash ($10/month)
Up to $120/yr dining credit (Grubhub, Buffalo Wild Wings, Five Guys, etc.)
Up to $100/yr Resy restaurant credit
Up to $84/yr Dunkin' credit ($7/month)
Baggage insurance and trip delay reimbursement
Car rental loss and damage insurance

Eligibility

What you need before you apply.

Recommended Credit: Good to Excellent (700+)

American Express® Gold Card: your questions answered

How much does the American Express® Gold Card cost?

The American Express® Gold Card costs $325 USD/yr.

What rewards does the American Express® Gold Card earn?

The American Express® Gold Card earns 4x points at restaurants worldwide and U.S. supermarkets (up to $50,000/$25,000 per year); 5x on prepaid hotels via Amex Travel; 3x on flights; 2x on car rentals & cruises; 1x other.

Does the American Express® Gold Card charge foreign transaction fees?

No - the American Express® Gold Card has no foreign transaction fees, so it suits spending abroad.

What is the interest rate on the American Express® Gold Card?

The American Express® Gold Card has a purchase APR of 19.49% - 28.49%.

Does the American Express® Gold Card have a welcome offer?

Yes - Up to 100,000 Membership Rewards points after $8,000 spend in first 6 months.

Is the American Express® Gold Card a credit, debit or prepaid card?

The American Express® Gold Card is a credit card issued by American Express on the American Express network.

Does the American Express® Gold Card support Apple Pay and Google Pay?

Yes - the American Express® Gold Card works with both Apple Pay and Google Pay.

Where can I get the American Express® Gold Card?

The American Express® Gold Card is currently offered in United States.

How does DebitCue rate the American Express® Gold Card?

DebitCue rates the American Express® Gold Card 4.6 out of 5 (9.2/10), scored on the same factors as every card - fees, rewards, perks and ease of use.

How do I apply for the American Express® Gold Card?

Use the Apply now button to continue on American Express's secure site. Comparing and applying through DebitCue is free.