Where this card stands out
- High food spending
- Membership Rewards users
American Express · personal
Amex Gold
4x at restaurants worldwide and U.S. supermarkets with caps, 5x prepaid hotels through Amex Travel, and 3x eligible flights.
1x–5x rewards$325 annual fee
Card details reviewed Sep 12, 2026.
Annual fee$325
Intro and ongoing APRPay Over Time carries a variable APR on eligible charges; see current Amex Rates and Fees for your offer. Charges not placed in an eligible payment plan must be paid in full. Not a 0% intro APR recommendation.
Foreign transaction feeNo foreign transaction fee.
Tradeoffs to review
- The annual fee is $325.
- Getting full value can require tracking multiple credits and caps.
When another card may fit better
- Fee-sensitive users
- People who dislike tracking credits
Before you apply
Check the welcome offer for Amex Gold
A welcome offer is not guaranteed. Check the exact application page for any bonus, eligible spending, deadline and restrictions on previous cardholders. Public, referral and personalized offers can differ.
Cardwell does not list a fixed bonus here or include it in ongoing reward estimates. Use only the offer actually shown to you.
Educational comparison only. Offers and eligibility can change. Confirm the issuer’s current terms before applying. Cardwell does not guarantee approval.