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American Express · Credit cards

American Express Gold Card

Premier dining and grocery rewards charge card offering 4X Membership Rewards points at restaurants and US supermarkets.

Annual fee

$325/yr

10 attributes tracked

Catalog as of September 1, 2026

Not financial advice. Annual fees, APRs, bonuses and credits change. Confirm current terms with the issuer before you apply.

Annual fee

$325

Rewards rate

4X dining & US supermarkets, 3X flights booked directly/AmexTravel, 1X other

What it does well

  • 4X points on dining worldwide and US supermarkets (up to $25k/yr)
  • Up to $120 annual dining credit + $120 Uber Cash credit + $84 Dunkin credit
  • No foreign transaction fees and flexible transfer partners

Where it gives ground

  • $325 annual fee requires using monthly credits to offset
  • No airport lounge access included

Compare it head to head

The fastest way to decide is against the product you are actually cross shopping. Showing 4 of 15 published matchups.

Credit cards7 differing specs

American Express Gold Card

$325/yr

Blue Cash Everyday Card from American Express

$0/yr

Blue Cash Everyday Card from American Express leads on 2 of 3 rankable specs and charges less a year.

See the breakdown
Credit cards7 differing specs

American Express Gold Card

$325/yr

Blue Cash Preferred Card from American Express

$95/yr

Blue Cash Preferred Card from American Express leads on 2 of 3 rankable specs and charges less a year.

See the breakdown
Credit cards6 differing specs

American Express Gold Card

$325/yr

The Platinum Card from American Express

$695/yr

The Platinum Card from American Express leads on 2 of 3 rankable specs, but American Express Gold Card saves $370 a year.

See the breakdown
Credit cards6 differing specs

American Express Gold Card

$325/yr

Bilt World Elite Mastercard

$0/yr

Bilt leads on 2 of 3 rankable specs and charges less a year.

See the breakdown

Full specifications

Fees & Rates

Annual fee
$325
Regular APR
Pay Over Time APR: 21.24% – 29.24% Variable
Foreign transaction fee
None (0%)
Late fee
Up to $40

Rewards & Perks

Rewards rate
4X dining & US supermarkets, 3X flights booked directly/AmexTravel, 1X other
Sign-up bonus
60,000 Membership Rewards points after $6,000 spend in first 6 months
Intro APR offer
0% intro APR on purchases for 0 months (Pay in full / Pay Over Time)
Lounge access
No (No airport lounge access)

Card Details

Credit neededOur summary
Good to Excellent (670–850)
Network
American Express
Card figures are from issuer materials and go stale. Credit-needed bands are our summary.Official American Express Gold Card terms (opens in a new tab)

Credit-card figures are from issuer materials and go stale. This is not an offer to lend, not financial advice, and not a recommendation to apply. Verify every fee, APR, bonus and credit on the issuer's site.

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Frequently asked

How much does American Express Gold Card cost?

American Express Gold Card has an annual fee of $325/yr (catalog snapshot as of 2026-09-01). This is based on published issuer terms and is not a live financial offer.

What are American Express Gold Card’s key specs?

Key specifications for American Express Gold Card include annual fee ($325) and rewards rate (4X dining & US supermarkets, 3X flights booked directly/AmexTravel, 1X other).

What does American Express Gold Card compare against?

American Express Gold Card is compared head to head against American Express Gold Card vs Blue Cash Everyday Card from American Express, American Express Gold Card vs Blue Cash Preferred Card from American Express, American Express Gold Card vs The Platinum Card from American Express, American Express Gold Card vs Bilt World Elite Mastercard, American Express Gold Card vs Capital One SavorOne Cash Rewards, and American Express Gold Card vs Capital One Venture X Rewards.