American Express Gold Card

American Express · Personal card · Checked against American Express's terms Oct 24, 2026

The Amex Gold earns 4x Amex Membership Rewards at restaurants and at supermarkets; 3x Amex Membership Rewards on flights; and 1x Amex Membership Rewards on everything else. $325 a year. earnrate counts Amex Membership Rewards at 1¢ each; transferring to airlines or hotels can be worth up to about 2¢.

Add it to your wallet

Where it's in the top 3

Chipotle (4%) · Sweetgreen (4%) · The Cheesecake Factory (4%) · DoorDash (4%) · Uber Eats (4%) · restaurants (4%) · Trader Joe's (4%) · Ralphs (4%) · Vons (4%) · Safeway (4%) · Kroger (4%) · Albertsons (4%)

Earning rates

5
Hotel through Amex Travel 5x Amex Membership Rewards
Prepaid hotels only.
“5X Points per dollar spent on Prepaid Hotels booked through AmexTravel.com” americanexpress.com
4
Restaurants 4x Amex Membership Rewards
Worldwide. Not at restaurants inside hotels, casinos or event venues, or at bars, bakeries, cafeterias or caterers. Third-party delivery counts only in the U.S.
- Not at Dodger Stadium or Bellagio
- Up to $50,000 of spending a year, then 1x Amex Membership Rewards
“4X POINTS At Restaurants Worldwide, on up to $50K” americanexpress.com
4
Supermarkets 4x Amex Membership Rewards
Superstores, convenience stores, warehouse clubs and meal-kit delivery services are not supermarkets.
- Not at superstores, warehouse clubs or convenience stores
- U.S. purchases only
- Up to $25,000 of spending a year, then 1x Amex Membership Rewards
“4X POINTS On Groceries At U.S. supermarkets, on up to $25K” americanexpress.com
3
Flights 3x Amex Membership Rewards
Scheduled flights charged directly with the airline or through Amex Travel. Charter and private jet flights are excluded.
“3X POINTS On Flights Booked through AmexTravel.com or Amex Travel App™” americanexpress.com
3
Flight through Amex Travel 3x Amex Membership Rewards
“airfare charged directly through American Express Travel” americanexpress.com
2
Car rental through Amex Travel 2x Amex Membership Rewards
Prepaid car rentals only.
“2X POINTS On Prepaid Car Rentals Booked through AmexTravel.com” americanexpress.com
2
Cruise through Amex Travel 2x Amex Membership Rewards
Booked and paid through AmexTravel.com.
“and cruises booked and paid through AmexTravel.com” americanexpress.com
2
Airbnb through Amex Travel 2x Amex Membership Rewards
Prepaid Airbnb stays booked through Amex Travel. Add-on fees such as pet or pool fees don't count.
“prepaid short-term rental bookings with Airbnb when made through AmexTravel.com” americanexpress.com
1
Everything else 1x Amex Membership Rewards
“Earn 1X Membership Rewards ® points on all other eligible purchases.” americanexpress.com

Public welcome offer

100,000 Amex Membership Rewards after $8,000 in purchases in 6 months, per the issuer's page. Offers vary by person and by how you apply. The public offer is "as high as" 100,000 points; Amex shows the exact amount (which may be lower, or no offer) after you apply and before you accept. Not available if you have or have had this Card, the Premier Rewards Gold Card, the Platinum Card (including the Schwab and Morgan Stanley versions) or previous versions of these Cards; Amex may also decline based on your card history.

Sources

Rankings compare personal cards, each set up at its best for the purchase, with points at earnrate's default value. Rates change; check American Express's terms before you apply.