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Updated 2026-02-10
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American ExpressEditor's PickLast verified: February 2026
American Express® Gold Card
The premier card for dining and grocery rewards with outstanding earning rates and valuable credits.
on American Express's secure site
Welcome Bonus
75,000 points
Annual Fee
$250
Base Rewards
1x
APR
21.24% - 28.24%
Card Details at a Glance
Last verified: February 2026IssuerAmerican Express
Card CategoryRewards
Annual Fee$250
Regular APR21.24% - 28.24% (Variable)
Foreign Transaction FeeNone
Base Rewards Rate1x on all purchases
Credit Score NeededGood (700+)
Welcome Bonus75,000 points (spend $4,000 in 6 months)
Pros & Cons
Pros
- Generous 75,000 points welcome bonus (worth ~$750)
- No foreign transaction fees
- Up to 4x rewards on dining, groceries
- Earn 4x points at restaurants and U.S. supermarkets (up to $25k/year)
- 4x points on flights booked directly with airlines
Cons
- $250 annual fee (premium pricing)
- High ongoing APR range (up to 28.24%)
- Requires good credit (700+) for best approval odds
- High spending requirement ($4,000) for welcome bonus
Who Is This Card Best For?
This card is ideal for the following types of cardholders:
Frequent travelers who want to earn and redeem travel rewards
Foodies who spend significantly on dining and restaurants
Families with high monthly grocery spending
International travelers who make purchases abroad
Card Overview
The premier card for dining and grocery rewards with outstanding earning rates and valuable credits.
Rewards at a Glance
dining4x
groceries4x
flights3x
Everything else1x
Key Highlights
- Earn 4x points at restaurants and U.S. supermarkets (up to $25k/year)
- 4x points on flights booked directly with airlines
- $120 dining credit annually
- $120 Uber Cash annually
- No foreign transaction fees
Like what you see?
Apply for the American Express® Gold Card directly on American Express's secure website.
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Ready to Apply?
Welcome Bonus
75,000 points
Spend $4,000 in 6 months
Estimated value: ~$750
Secure application on American Express's site
624 people applied this week
Key Benefits
- Earn 4x points at restaurants and U.S. supermarkets (up to $25k/year)
- 4x points on flights booked directly with airlines
- $120 dining credit annually
- $120 Uber Cash annually
- No foreign transaction fees
Why Trust Our Review?
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Updated 2026-02-10
All rates, fees, and bonus offers are subject to credit approval and may change without notice. Please verify current offers on issuer websites.