8 Min Read | Last updated: July 25, 2024
American Express® Gold Card – Points & Rewards
With over $400 annually in benefits value and plenty of ways to earn and redeem Membership Rewards® points, plus flexible payment options – the Gold Card can reward your appetite for everyday life and more.
At-A-Glance
The American Express® Gold Card rewards Card Members with Membership Rewards® points on eligible purchases that can be redeem for travel, gift cards, and more.
The Gold Card has a $325 annual fee1 and comes with over $400 annually in benefits value, including a $120 Dining Credit, $120 Uber Cash, $100 Resy Credit, and $84 Dunkin’ Credit.
The Gold Card also offers Card Members financial flexibility, with flexible payment options such as Pay Over Time and Plan It®.
Layered with benefits especially made for dining and travel enthusiasts, the American Express® Gold Card can help reward your appetite for everyday life and more. Thinking about going for Gold? Here’s an in-depth look at the points and benefits the Gold Card offers – plus a quick explanation on its flexible payment options that offer Card Members with more control.
Terms apply to all benefits listed below. All benefits are subject to change.
Ways to Earn Points with The Gold Card
The Gold Card offers several accelerated Membership Rewards® points-earning opportunities, especially for food lovers:
- 4X Points on restaurants worldwide, plus takeout and delivery in the U.S., on up to $50,000 in purchases each year.
- 4X Points on groceries at U.S. supermarkets, on up to $25,000 in purchase each year.
And when you’re ready to travel – whether you’re taking a last-minute trip or planning a vacation a year in advance – you can earn:
- 3X Points on flights booked directly with airlines or on AmexTravel.com.
- 2X Points on prepaid hotels and other eligible travel – such as prepaid car rentals, vacation packages and cruises when you book through AmexTravel.com.
Ways to Redeem Rewards with The Gold Card
Once you’re ready to use the Membership Rewards points you’ve earned with the Gold Card, there are several redemption options:
Pay with Points at Checkout: You can use your points on your next online order at select partners. As a Gold Card Member, your point balances appear right at checkout, so you can easily apply points to your purchase.
Redeem for Gift Cards: You can use points to get a gift card you can easily pull up on your phone and use when you shop. You can choose select digital gift cards for popular brands across travel, fashion, dining, home decor, and more.
Cover Charges: You can also cover your Card charges with points. Sign in to your Card account, then simply check off the charge you’d like to cover. Whether it’s a one-off or a recurring payment, a necessity or a special treat – you can choose any eligible charge you like.
Pay with Points through AmexTravel.com: Earn points when you book at AmexTravel.com, and then use Pay with Points to cover your next vacation.
Transfer Points: Looking forward to an adventurous solo trip or memorable family vacation? You can also transfer points to 21 participating airline and lodging partners, so you can unlock more with points.
Note that the dollar-to-point value of Membership Rewards points varies according to how you redeem them.
The Gold Card’s Dining and Travel Benefits
Points aren’t all the Gold Card has to offer – the Gold Card also comes with over $400 annually in benefits value and can help you save when doing the things you love:
- $120 Uber Cash: Whether you want to stay in and order your favorite bites, or you need to get around town – you can automatically receive $10 a month in Uber Cash after adding the Gold Card to your Uber account, for up to $120 a year that can be spent on Uber Eats and Uber rides in the U.S. Enrollment required.
- NEW $84 Dunkin’ Credit: Kickstart your mornings. With the $84 Dunkin’ Credit, you can earn up to $7 in monthly statement credits after you pay with the Gold Card at Dunkin’ locations. That’s up to $84 in savings each year. Enrollment required.
- NEW $100 Resy Credit: Get rewarded for a great dining adventure. After you pay with the Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases, you can get up to $100 back annually. Enrollment required through your Card Account. Plus, discover and book new restaurants to love on Resy when you create an account.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
Tip: To learn how the Gold Card can maximize your love of dining, read A Complete Guide to Dining with the Amex Gold Card
And when it’s finally time for your next vacation, the Gold Card offers access to The Hotel Collection. With The Hotel Collection, you can receive elevated benefits that offer an average total value of $150* at more than 700 hotels:
- $100 Complimentary Credit
- Room Upgrade
*Average value based on The Hotel Collection bookings in 2022 for stays of two nights. Actual value will vary based on property, room rate, upgrade availability, and use of benefits.
No Preset Spending Limit + More Ways to Pay
Unlike traditional credit cards with a set limit, the Gold Card has no preset spending limit. No preset spending limit means the spending limit is flexible: the amount you can spend adapts based on factors such as your purchase, payment or credit history – giving you the flexibility to unlock more purchase power as you use the Gold Card.
Plus, the Gold Card comes with flexible payment options that provides Card Members with more control: Pay Over Time and Plan It® – each one offering a different kind of flexibility.
Pay Over Time lets you carry a balance with interest up to your Pay Over Time Limit, while Plan It lets you select large purchases to split into equal monthly installments with a fixed fee. You can choose either option or pay in full each month.
This added flexibility can be a great way to get extra breathing room in your budget, especially when big ticket purchases come along. Plus, you’ll still earn the same points you usually do on eligible purchases.2
The Takeaway
If the majority of your spend is done on dining and travel, the Gold Card may be a good fit for you. With points earnings across dining, groceries, and travel – plus benefits like the $120 Dining Credit, $120 Uber Cash, and more – the Gold Card has you covered from your daily routine at-home to your next big getaway.
1 For more on Rates and Fees for the American Express® Gold Card, click here.
2 For more on Offer and Benefit Terms for the American Express® Gold Card, click here.
Megan Doyle is a business technology writer and researcher whose work focuses on financial services and cross-cultural diversity and inclusion.
All Credit Intel content is written by freelance authors and commissioned and paid for by American Express.
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