American Express
American Express Gold Card
American Express
American Express Gold Card
Last verified March 2026
The go-to card for foodies and grocery shoppers with 4x on restaurants and groceries.
$250
29.49%
1x base rate
$600 value
Excellent (750+)
None
Annual fee increasing to $325 starting March 2025
Updated February 2025
Rewards Breakdown
4x restaurants & groceries, 3x flights, 1x everything else
| Category | Rate |
|---|---|
| Restaurants | 4x |
| Groceries(Up to $25,000/year) | 4x |
| Flights | 3x |
| Everything else | 1x |
Sign-Up Bonus
60,000 points after spending $6,000 in 6 months
Fees & APR
| Annual Fee | $250 |
| Purchase APR | 29.49% |
| Balance Transfer Fee | None |
| Foreign Transaction Fee | None |
| Late Fee | Up to $40 |
Pros & Cons
Annual Fee Break-Even
Based on 1x base rewards rate @ 1.2¢ per point. Bonus category spending may reduce your break-even point.
Customer Reviews
1,654 reviews
The foodie's dream card
4x on restaurants AND groceries is unmatched. The $120 dining credit and $120 Uber Cash bring the effective fee down to about $10. Metal card looks gorgeous.
Best card for families
We spend $1,000+/month on groceries and this card earns us incredible points. Transferred to ANA for first class flights to Japan. Life-changing.
Great card, just not accepted everywhere
Love the rewards but some smaller shops and restaurants don't take Amex. Always need a backup Visa/MC.