Amex Adds Gold Card Benefits; New Multiplier & Statement Credits

As of today, and in celebrating 60 years of the American Express® Gold Card, we are seeing some true enhancements to the card with noting taken away and no change to the annual fee.

This is especially nice given that we now see offers for as high as 100,000 Membership Rewards® Points as the welcome bonus (you can check your offer here).

American Express® Gold Card

How to apply Card Details

🔔 Notify me of bonus offer changes

American Express is an Advertising Partner

American Express® Gold Card

(4.48) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Annual Fee:

$325 (Rates and fees)

☝ Increased Offer

You may be eligible for as high as 100,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer. Find out your offer. Terms apply.

• You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you're approved and find out your exact welcome offer amount – all with no credit score impact. If you're approved and choose to accept the Card, your score may be impacted.
• Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
• New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App.
• Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines.
• Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com.
• Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
• Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You'll know upfront exactly how much you'll pay.
• Updated! $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
• $100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That's up to $50 in statement credits semi-annually. Enrollment required.
• $84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment required.
• $120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
• New! As an American Express® Gold Card Member, you can enjoy complimentary Hertz Five Star® Status. Enjoy benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
• Take advantage of a $100 credit towards eligible charges* at over 1,300 upscale hotels worldwide when you book The Hotel Collection through AmexTravel.com or the Amex Travel App **. *Eligible charges vary by property. **The Hotel Collection requires a two-night minimum stay.
• Book your travel through the Amex Travel App with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
• Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
• No Foreign Transaction Fees.
• Annual Fee is $325.
• Terms Apply.

• You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you're approved and find out your exact welcome offer amount – all with no credit score impact. If you're approved and choose to accept the Card, your score may be impacted.
• Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
• New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App.
• Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines.
• Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com.
• Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
• Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You'll know upfront exactly how much you'll pay.
• Updated! $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
• $100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That's up to $50 in statement credits semi-annually. Enrollment required.
• $84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment required.
• $120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
• New! As an American Express® Gold Card Member, you can enjoy complimentary Hertz Five Star® Status. Enjoy benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
• Take advantage of a $100 credit towards eligible charges* at over 1,300 upscale hotels worldwide when you book The Hotel Collection through AmexTravel.com or the Amex Travel App **. *Eligible charges vary by property. **The Hotel Collection requires a two-night minimum stay.
• Book your travel through the Amex Travel App with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
• Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
• No Foreign Transaction Fees.
• Annual Fee is $325.
• Terms Apply.

Pros

• For a pure combination of spending on dining, groceries, and airfare, the American Express Gold card is unmatched
• Although the annual fee seems high, you can actually come out ahead by using available monthly statement credits
• Earns valuable American Express Membership rewards points and card membership includes the highly regarded American Express customer service

Cons

• The annual fee of $325, despite the statement credits that can offset it, is steep for some
• Bonus categories are limited to just three
• Car rental CDW coverage is secondary to your own auto insurance

Annual Fee: $325 (Rates and fees)

Foreign Transaction Fee: 0%

Min Credit Score: Good *

Instant Transfers as well as solid transfer partners. The value would go up if they had any hotel partners with a fair exchange rate. ANA (an exception to instant transfers), Virgin, Air Canada and Avianca are top airline partners for maximizing your points. They can also transfer to Delta if you wish and while the rates aren’t ideal, they can transfer to Marriott and Hilton as well. 

ANA provides almost unbeatable value for booking a Round the World flight all in Business Class.

The stated value also assumes you will take advantage of transfer partners rather than book via their booking portal, where they are only worth between 1 and 1.5 cents.

We’ve also created a Guide to American Express Membership Rewards.

Point Value:

$0.017

• 4x

  Supermarkets

  
  4X Membership Rewards points per dollar spent on U.S. Supermarkets* (up to $25,000 a year; 1X thereafter)
• 4x

  Dining Out / Food Delivery

  
  At restaurants worldwide (up to $50,000 a year; 1X thereafter)
• 3x

  Airfare

  
  Booked directly with the airline or via AmexTravel.com
• 1x-5x

  Hotels

  
  5X Membership Rewards® points only on prepaid hotels booked through AmexTravel.com or Amex Travel App™
• 1x-2x

  Car Rentals

  
  2X Membership Rewards® points only on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com.
• 1x-2x

  Cruises

  
  2X Membership Rewards® points only on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com.
• 1x

  All Other Eligible Purchases

New Amex Gold Benefits:

• NEW 5X Membership Rewards® points on prepaid hotels booked through AmexTravel.com or Amex Travel App™, increased from 2X Membership Rewards® points.
• NEW Hertz Five Star® Status: Enjoy benefits like skipping the counter at select locations, adding an additional driver at no additional cost and vehicle upgrades when available. Enrollment and Hertz Gold+ registration is required. Terms apply.
• UPDATED $120 Dining Credit, adding new partners including Buffalo Wild Wings and Wonder, giving Card Members more ways to enjoy dining value. Enrollment required. Card Members enjoy up to $10 in statement credits each month when you pay at participating partners.

Limited-Time Gold Card Anniversary Offers:

• Uber One Membership Credit: Enroll and get a one-time statement credit of up to $96 when using the Gold Card to pay for an annual Uber One membership, unlocking savings and exclusive benefits on Uber and Uber Eats. Available today through October 30, 2026.
• Hilton Honors Points Transfer Bonus: Card Members are eligible to receive a 20% point bonus when transferring Membership Rewards points to a Hilton Honors account. Available today through May 30, 2026.
• Amex Travel Offers at select properties in The Hotel Collection: Access special offers from a curated selection of 250+ The Hotel Collection properties in over 40 different countries⁴. Special rates can include offers for a Complimentary 3rd Night, a Complimentary 4th Night, 25%+ Off Select Rooms, 30%+ Off All Suites or a $150+ Property Credit to use toward eligible charges during your stay. Terms apply. Available today through July 15, 2026.
• Additional 60th Anniversary Amex Offers: Starting today, eligible Gold Card Members can access a selection of specially curated Amex Offers across various merchants. Amex® Offers are personalized and may not be available to all individuals. Enrollment may be limited and is required. Terms apply.

Later this summer, American Express Gold will introduce The Summer Seat by Amex® Gold & Resy, an alfresco dining experience bringing acclaimed Resy chefs and artists together to transform outdoor spaces at coveted Resy restaurants in Los Angeles, New York and Chicago. Gold Card Members will have perks onsite and receive early access to reserve tables. More details, including how to book, will be announced soon.

You won’t be eligible for the welcome bonus on the Gold Card if you already have or have had the welcome bonus on the personal version of the Platinum Card. Otherwise, this is a great time check your offer for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership.

(Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.)

Rates and Fees for the American Express Gold Card

Rates and Fees for the American Express Platinum Card

Dave Grossman

Previous

5 Best Credit Cards for Groceries in June 2026

Harrison Pierce

Next

Southwest Companion Pass: A Guide to Earning It For Two Years [2026-2027]

Dave Grossman