Amex Gold Card Review 2025: Tailor-Made Benefits for Foodies

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Inc.","foundingDate":"2007","url":"www.businessinsider.com","sameAs":["https://www.instagram.com/businessinsider","https://www.twitter.com/businessinsider","https://www.facebook.com/businessinsider","https://www.linkedin.com/company/businessinsider","https://www.youtube.com/@BusinessInsider"],"founder":{"@type":"Person","name":"Henry Blodget"},"logo":{"@type":"ImageObject","url":"https://www.businessinsider.com/public/assets/logos/structured-data.png"}},"headline":"Amex Gold Card Review 2025: Tailor-Made Benefits for Foodies","alternativeHeadline":"Why I think foodies and home chefs should get the Amex Gold Card in 2025","image":{"@type":"ImageObject","url":"https://i.insider.com/6712a2fb01ea6d83dee27e1e?width=1200&format=jpeg","width":1200,"height":900},"name":"Why I think foodies and home chefs should get the Amex Gold Card in 2025","datePublished":"2025-02-03T12:01:01Z","dateModified":"2025-02-13T17:15:25Z","description":"The Amex Gold Card is great for foodies and chefs who value Amex points and dining out. But it has a high annual fee.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews.The information for the following product(s) has been collected independently by Business Insider: Chase Freedom Flex®. The details for these products have not been reviewed or provided by the issuer.The American Express® Gold Card is one of the best cards for groceries and dining out, and comes with valuable benefits like up to $120 in Uber credits each year once you activate this perk. But it also has a hefty $325 annual fee (rates and fees).For the right person, the Amex Gold Card is also a great mid-tier travel rewards card because it earns bonus points on flights, hotels, and rental cars.If you're just getting into the points and miles game, the Amex Gold Card can be a great compromise between a no-annual-fee card with everyday benefits and a premium card with airport lounge access that charges a sky-high annual fee to match.The Amex Gold Card is best for young professionals who frequently go out with friends for dinner and cocktails, but also like shopping for premium groceries and cooking at home occasionally.The classy metal card looks sleek when you pull it out at a restaurant, and comes with a $10 monthly Uber Cash credit to help you get home safely when you select the Amex Gold Card as the payment method in your Uber account. Cardholders can also enroll to get up to $10 a month in dining credits, up to $100 each year toward Resy restaurants, and up to $7 monthly Dunkin' credit to assuage your coffee and donut cravings. Terms apply.Most importantly, you won't pay foreign transaction fees, so this card is a great option to take on international trips (rates and fees).Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.$325N/ASee Pay Over Time APREarn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new card in your first six months of Card MembershipGood to ExcellentFoodies and travelers alike will appreciate the American Express Gold's generous welcome bonus and Membership Rewards points earning. Its Uber Cash credits are useful for rides and Uber Eats, and monthly dining credits with participating merchants like GrubHub and Seamless are easy to use.The Amex Gold Card offers a smart way to maximize your spending on restaurants and at U.S. supermarkets.The Amex Gold Card offers a welcome bonus of 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new card in your first six months of card membership, worth at least $1,180 based on Business Insider's valuations of 1.8 cents apiece. Terms apply.This welcome offer is particularly generous because new cardholders get plenty of time to reach the spending requirements. In contrast, most cards offer welcome bonuses that require spending the designated amount in half as much time.The Amex Gold Card earns Amex points at the following rates (terms apply):If I spent $50,000 each year on restaurants, and an additional $25,000 at U.S. supermarkets, my Amex Gold Card would earn 200,000 points per year from dining out, plus another 100,000 points yearly from groceries, for a grand total of 300,000 Amex points. That's not including any rewards I'd earn from travel booked through Amex or spending on non-bonus categories.And if I valued earning and using Amex points above all other reward \"currencies,\" I could get additional Amex cards that maximize my earnings on different expenses.If I added The Platinum Card® from American Express to my wallet for a $695 annual fee, I'd gain access to Amex Centurion Lounges and Priority Pass airport lounges worldwide, after enrollment. I'd also earn 5 points per dollar spent on flights booked directly with airlines or with Amex Travel, in addition to my earnings from the Amex Gold Card. And I'd have a combined Uber credit of up to $320 each year after enrolling each of my cards in this benefit by adding both cards as payment methods in my Uber account.Business Insider's guide to what points and miles are worth values Amex points at an average of 1.8 cents apiece — one of the most valuable reward \"currencies\" available. That's because you can use Amex Membership Rewards in many different ways, particularly by transferring them to American Express points transfer partners.For example, I like transferring Amex points to Delta Air Lines to fly to Taiwan in Delta One business class. When I book with points, I often pay as little as $5.60 in cash for a one-way flight worth thousands of dollars.American Express has over 20 airline and hotel partners, all of which allow me to pay for flights and hotels with my Amex points.I can also redeem my Amex points directly through American Express Travel by booking flights, hotels, or other travel through the Amex travel portal, and paying with points at check-out. This option typically provides less value, but can offer an easier way to book travel compared to learning about point transfers and finding the best flight routes or available hotel rooms through partners.Finally, I can redeem Amex points for non-travel purposes such as gift cards or payment at check-out for retailers like Amazon. However, this is usually a poor use for my rewards, since I often get less than 1 cent per point when using them for gift cards, statement credits, and other redemptions.The Amex Gold Card comes with valuable perks for shopping, dining, and travel that save cardholders money, including monthly credits that can significantly reduce the card's $325 annual fee (rates and fees).I recommend this card for households that frequently order takeout or food delivery. Remember: Many benefits are \"use it or lose it,\" and don't roll over month to month. Here are some of my favorite benefits of this card:If you're a foodie who lives in a city with a fun dining scene, you can get a few hundred dollars worth of free meals from the Amex Gold Card after activating this benefit via your account dashboard. Terms apply.I always remind friends and family members to enroll for these benefits on the cardholder benefits page to begin collecting their rewards. If you don't opt in, you won't get credit at any of the following restaurants. Cardholders receive monthly credits for purchases via Resy, Grubhub, and select restaurant chains:Resy is becoming ever more popular, especially with buzzy new restaurants that seem to have monthslong waitlists. I've found myself with Resy, Tock, and Open Table accounts that automatically link my phone number to my dining account.Amex Gold Cardholders who enroll in this benefit receive two semi-annual credits of up to $50 apiece, totaling $100 a year. These credits apply to eligible dining purchases made at participating Resy restaurants between January and June, then July and December. Terms apply.Amex Gold Card holders also get up to $10 a month back in statement credits on purchases at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys when enrolled. The complimentary credit automatically appears on your statement after you use your Amex Gold Card to pay for an eligible order. Terms apply.I've found Grubhub credit to be the easiest benefit to use in this category, since cardholders have the full range of local Grubhub restaurants to choose from instead of limiting themselves to a handful of restaurants.I've also begun ordering Grubhub or DoorDash to my hotel room instead of ordering room service, which typically tastes much better and gives me more options as well as costing me a lot less than hotel food. If you enjoy doing the same thing, this monthly benefit can save you a lot of pocket change.Amex Gold Card cardholders also receive up to $7 each month in statement credits when making purchases at participating Dunkin' locations after enrollment. Terms apply.The Amex Gold Card also comes with $10 a month in Uber Cash credit after enrollment, again up to a maximum of $120 per year, toward eligible U.S. Uber rides or Uber Eats purchases when the card is selected as the payment method in your Uber account. Terms apply.It's always nice to have some spare Uber credit, but I personally find these small monthly amounts frustrating to use. I'd far prefer an annual credit of $120 that I can spend on a single pricy ride, rather than on several shorter ones at my discretion. Amex Gold Card holders get an annual statement credit of $100 toward eligible resort expenses when booking a hotel stay of two or more nights through the Amex Hotel Collection. Terms apply.The credit doesn't apply to the cost of your hotel. Instead, it applies to add-ons such as spa massages, dining in the hotel restaurant, or any other on-property expense you may incur during your stay. Cardholders also receive late check-out and early check-in benefits when available, plus a room upgrade at arrival whenever available. If you don't stay in hotels often enough to chase elite status, this benefit can be a nice way to pamper yourself a little more than usual. The Amex Gold Card comes with several coverage benefits for travel (terms apply):Personal take: These benefits are better than having no coverage at all, but I don't recommend getting the Amex Gold Card for its travel insurance benefits alone. There are other cards, including several with lower annual fees, that offer stronger protections.Business Insider's guide to the best credit cards with travel insurance walks you through many options that reimburse you for lost or delayed bags, canceled travel, and more.Secondary car rental insurance offers supplemental protection for any costs incurred if your rental car is stolen or damaged. You're eligible for this protection if you use the card to pay for your rental in full, and decline the rental company's collision damage waiver. Terms apply.Personal take: I wouldn't use the Amex Gold Card to cover my rental car. Instead, I'd choose another card that offers primary rental car coverage. Primary coverage is superior to secondary coverage, because it doesn't require me to first file a claim with my own insurance company.I'd recommend getting the Chase Sapphire Preferred® Card if you frequently rent cards when you travel. This card only costs $95 in annual fees, but offers primary rental car insurance for cardholders. Coverage terms include some exclusions and conditions, so be sure to read the fine print.Baggage insurance is helpful if you paid for airfare with this card and an airline loses or damages your luggage in transit. Amex Gold Card holders can claim up to $500 per person for checked bags, and $1,250 per person for carry-on luggage. Terms apply.This is a generous amount by most standards; I've rarely lost luggage carrying more value than these limits.And if you've ever been on delayed flights like I have, you'll appreciate trip delay insurance. This benefit will reimburse you up to $300 for meals, lodging, toiletries, medication, and other personal items if you've paid for round-trip travel with your Amex Gold Card and you're delayed by 12 hours or more. Cardholders are eligible for up to two approved claims per consecutive 12-month period. Terms apply.I've personally found trip delay insurance to be the easiest perk to use for travel compensation. You'll need official proof from the airline regarding your flight delay, so I typically email the customer service support team and request documentation detailing the specific issue. Once I have that in hand, the insurance company usually disburses my funds within 10 business days. Many of these benefits have exclusions or specific eligibility conditions, so make sure you read the fine print in your cardholder agreement.The Amex Gold Card has an annual fee of $325 (rates and fees).Amex increased the rate in 2024, but added the Dunkin' and Resy credits to offset the higher cost. The card's value will depend on whether you can utilize most or all of the included credits each year. Most people should be able to use the semi-annual Resy credits pretty easily, which drops the cost of holding the card right away.The Amex Gold Card does not charge foreign transaction fees (rates and fees).Like most other cards, the Amex Gold Card charges penalty fees for late or returned payments and transaction fees for cash advances.The Amex Gold Card has a lot to offer, but it isn't the only good option for foodies.I often recommend the cards below to friends and family who want to avoid annual fees. All earn bonus points on dining, and come with various benefits that enhance your lifestyle.The Bilt Mastercard® is a no-annual-fee credit card that earns 3 points per dollar on dining expenses (rates and fees). Business Insider values Bilt Points at 1.65 cents apiece on average, which means I \"earn\" back nearly 5 cents of value per dollar I spend at restaurants. You must use the card at least five times each statement period to earn points.In fact, the bonus rewards on the Bilt Mastercard® are exactly why I have this credit card, even though I don't pay rent. The Bilt Mastercard® is best known as a card for renters because it allows them to pay rent to earn rewards without paying any transaction fees, but even as a non-renter, there's a lot of value for me in earning so much return on dining. The card also earns 2 points per dollar on travel, and 1 point per dollar on everything else including rent (up to 100,000 points each calendar year).Better yet, Bilt offers a monthly opportunity to earn double points, even on dining. Bilt program members can earn twice as many points per category, excluding rent, on the first day of every month, fondly known as Bilt Rent Day, up to a total of 1,000 bonus points. If you're doing the math alongside of me, that's 6 points per dollar on dining — or nearly 10 cents in Bilt Points value per dollar spent.If you dine out more often than you cook, you'll come out ahead by choosing the Bilt Mastercard® over the Amex Gold Card — especially if you pay rent with this card. But if you value Amex points, or spend a lot at U.S. supermarkets, the Amex Gold Card still has a lot to offer you.Read more about this card in our Bilt Mastercard card review.Another great option with no annual fee is the Chase Freedom Flex®. I'm partial to Chase credit cards because I find them extremely easy to use from my home base in Austin. The Chase Freedom Flex® earns 3% cash back on dining and drugstore expenses, which is extremely handy because I find myself at CVS and Walgreens far more often than I think, especially during the winter months. This card also earns 5% cash back on travel booked through Chase Travel℠.Two other handy benefits of this card include bonus categories and partner cards. Chase Freedom cards have quarterly bonus categories that earn 5% cash back on up to $1,500, and sometimes those benefits stack with existing bonus rewards.For example, hotels were a 5% cash back category in summer 2024 that also earned 5% cash back if booked through Chase Travel℠. Thus, cardholders like myself who booked hotels through Chase last summer earned additional cash back. Like Amex cards, Chase also offers great \"partner\" cards that pair well together. When I combine my Chase Freedom Flex® with the Chase Sapphire Reserve®, my rewards are worth 50% more when redeemed through Chase Travel℠. I can also unlock Chase Ultimate Rewards points transfer partners by transferring my Chase Freedom Flex® rewards to the Chase Sapphire Reserve®.I recommend the Chase Freedom Flex® for people who want to avoid annual fees and are open to earning Chase rewards. But if you don't want to keep track of bonus categories that change every month, you won't be able to get max value from this card.Read more about this card in our Chase Freedom Flex credit card review.Unlike the other two recommendations in this section, the Capital One Venture X Rewards Credit Card swings in the opposite direction when it comes to annual fees.The Capital One Venture X Rewards has an annual fee of $395, which is slightly more expensive than theAmex Gold Card. However, cardholders get an amazing benefit in exchange for this cost: Complimentary Priority Pass Select membership to more than 1,300 airport lounges worldwide — for themselves and up to four additional authorized users on the credit card.Priority Pass access costs several hundred dollars a year if you purchase membership outright, so this benefit alone can save you a lot of money every year, especially if you travel frequently and often purchase food or drinks at the airport.The Capital One Venture X Rewards earns 10 miles on hotels and rental cars booked through Capital One Travel, 5 miles per dollar on flights and vacation rentals booked through Capital One Travel, and 2 miles on all other purchases. If you don't book travel through Capital One, these reward rates are relatively mediocre. But if you value simplicity, this card can make it really easy for you to earn 2 miles per dollar on spending.I recommend the Capital One Venture X Rewards for families who want to keep their credit card strategy simple and who don't dine out often, but really value the comfort of entering airport lounges when they travel. While theAmex Gold Card offers fantastic perks for foodies, it lacks travel-specific benefits that can make economy travel feel more luxurious.Read more in our Capital One Venture X Rewards credit card review.You should get an Amex Gold Card if you spend $1,000 or more on dining and groceries each month. The card earns 4 Membership Rewards® points on purchases at restaurants worldwide (on up to $50,000 in purchases per calendar year, then 1 point), 4 points at US supermarkets (on up to $25,000 in purchases per calendar year, then 1 point), 3 points on flights booked directly with airlines or on AmexTravel.com, 2 points on prepaid hotels and other eligible purchases booked on AmexTravel.com, and 1 point on all other eligible purchases. Cardholders can also enroll to enjoy several dining credits worth a few hundred dollars a year, and an Uber Cash benefit. Terms apply.Compared to other premium rewards cards, the Amex Gold Card offers some of the best rewards on dining and supermarket purchases. However, the annual fee recently increased to $325, and the card lacks some premium travel perks, such as airport lounge access, available from higher-tier rewards cards with comparable fees (rates and fees).The current welcome bonus for the Amex Gold Card is 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new card in your first six months of card membership. Terms apply.The Amex Gold Card is worth having if you can maximize its benefits. But it has a very high annual fee relative to competitors in the same category. People without high dining or grocery expenses may struggle to maximize enough value from this card to justify its $325 annual fee (rates and fees).To maximize rewards, use the card for all dining and U.S. supermarket purchases to take advantage of the 4-point bonus categories (on up to $50,000 per year for dining and up to $25,000 per year for supermarkets). Utilize the card for flights booked directly with airlines or on amextravel.com to earn 3 points per dollar. Take full advantage of the dining credit and Uber Cash benefits to offset the annual fee and enhance your overall value. Terms Apply.I've been reviewing credit cards and travel rewards since 2015, and have more than two dozen active credit cards in my wallet. Friends and family frequently ask me for my best recommendations on credit cards right now, so I think about the various merits of popular cards all the time.I compared the Amex Gold Card against leading competitors and rated this card based on the following criteria:Annual fee — Is the card's annual fee in line with rates from competing cards? Is the fee justifiable compared to the card's offered benefits? Earning potential — Does the card earn generous rewards on specific spend categories that average consumers can maximize each month?Benefits and perks — Do the benefits included on this card significantly enhance the cardholder's lifestyle? Rewards ecosystem — Are rewards earned on this card transferrable to other card accounts? Can they be redeemed or transferred for airline and hotel travel? Learn more about how we rate credit cards at Business Insider.","articleSection":"Personal Finance, Credit Cards","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"Why should I get an Amex Gold?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">You should get an Amex Gold Card if you spend $1,000 or more on dining and groceries each month. The card earns 4 Membership Rewards® points on purchases at restaurants worldwide (on up to $50,000 in purchases per calendar year, then 1 point), 4 points at US supermarkets (on up to $25,000 in purchases per calendar year, then 1 point), 3 points on flights booked directly with airlines or on AmexTravel.com, 2 points on prepaid hotels and other eligible purchases booked on AmexTravel.com, and 1 point on all other eligible purchases. Cardholders can also enroll to enjoy several dining credits worth a few hundred dollars a year, and an Uber Cash benefit. Terms apply.</p>"}},{"@type":"Question","name":"How does the Amex Gold Card compare to other premium rewards cards?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Compared to other premium rewards cards, the Amex Gold Card offers some of the best rewards on dining and supermarket purchases. However, the annual fee recently increased to $325, and the card lacks some premium travel perks, such as airport lounge access, available from higher-tier rewards cards with comparable fees (<a href=\"https://affiliate.insider.com/?h=c03af51a944bd5b5bb86ec2b5249a570f6fc8454783a61b2ad1a2034252d8cfd&platform=browser&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26673862\" data-analytics-product-module=\"body_link\" rel=\"nofollow noindex\" data-am-orig-url=\"https://affiliate.insider.com/?h=c03af51a944bd5b5bb86ec2b5249a570f6fc8454783a61b2ad1a2034252d8cfd&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26673862\">rates and fees</a>).</p>"}},{"@type":"Question","name":"What is the current welcome bonus for the Amex Gold Card?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">The current welcome bonus for the Amex Gold Card is 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new card in your first six months of card membership. Terms apply.</p>"}},{"@type":"Question","name":"Is the Amex Gold worth having?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">The Amex Gold Card is worth having if you can maximize its benefits. But it has a very high annual fee relative to competitors in the same category. People without high dining or grocery expenses may struggle to maximize enough value from this card to justify its $325 annual fee (<a href=\"https://affiliate.insider.com/?h=c03af51a944bd5b5bb86ec2b5249a570f6fc8454783a61b2ad1a2034252d8cfd&platform=browser&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26673862\" data-analytics-product-module=\"body_link\" rel=\"nofollow noindex\" data-am-orig-url=\"https://affiliate.insider.com/?h=c03af51a944bd5b5bb86ec2b5249a570f6fc8454783a61b2ad1a2034252d8cfd&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26673862\">rates and fees</a>).</p>"}},{"@type":"Question","name":"How can I maximize the rewards from the Amex Gold Card?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">To maximize rewards, use the card for all dining and U.S. supermarket purchases to take advantage of the 4-point bonus categories (on up to $50,000 per year for dining and up to $25,000 per year for supermarkets). Utilize the card for flights booked directly with airlines or on amextravel.com to earn 3 points per dollar. Take full advantage of the dining credit and Uber Cash benefits to offset the annual fee and enhance your overall value. Terms Apply.</p>"}}]} </script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"ItemList","numberOfItems":1,"itemListElement":[{"@context":"http://schema.org","@type":"ListItem","position":1,"item":{"@context":"http://schema.org","@type":"Product","name":"American Express® Gold Card","image":"https://i.insider.com/672cf1e488cea3ba1c1ef0f8?width=400","brand":"American Express","url":"https://www.businessinsider.com/personal-finance/credit-cards/amex-gold-card-review#5e78ea42671de024d00cf6b6","review":[{"@type":"Review","author":[{"@type":"Person","name":"Katherine Fan","sameAs":"https://www.businessinsider.com/author/katherine-fan"},{"@type":"Person","name":"Angela Fung","sameAs":"https://www.businessinsider.com/author/angela-fung"}],"datePublished":"2025-02-03T12:01:01Z","reviewRating":[{"@type":"Rating","bestRating":5,"ratingValue":4.3,"worstRating":0}]}]}}]} </script> <script type="application/ld+json"> 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<div class="byline-author-container"> <div class="byline-author headline-regular"> <span class="headline-regular">Written by</span> <span class="" data-e2e-name="Katherine Fan" > <a class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/katherine-fan" >Katherine Fan</a><span class="headline-regular">;</span></span> <span class="headline-regular">edited by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/sarah-silbert" >Sarah Silbert</a><span class="headline-regular">;</span> <span class="headline-regular">reviewed by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/angela-fung" >Angela Fung</a> </div> <div class="byline-updated"> Updated </div> <time class="byline-timestamp headline-regular js-date-format" data-timestamp="2025-02-03T12:01:01Z" data-e2e-name="byline-timestamp" data-disable-relative-formatting > 2025-02-03T12:01:01Z 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See <a href="https://www.businessinsider.com/personal-finance/credit-cards/how-we-rate-credit-cards" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate credit cards to write unbiased product reviews</a>.</aside> <div class="col-12"> </div> <figure class="figure image-figure-image as-notched" data-type="img" data-e2e-name="image-figure-image" data-media-container="image" itemscope itemtype="https://schema.org/ImageObject" > <div class="aspect-ratio" style="padding-top: calc(100% / (2121 / 1060))" > <meta itemprop="contentUrl" content="https://i.insider.com/67102615a7031864928369b1?width=700"/> <img src="https://i.insider.com/67102615a7031864928369b1?width=700" srcset="https://i.insider.com/67102615a7031864928369b1?width=400&format=jpeg&auto=webp 400w, https://i.insider.com/67102615a7031864928369b1?width=500&format=jpeg&auto=webp 500w, https://i.insider.com/67102615a7031864928369b1?width=700&format=jpeg&auto=webp 700w, https://i.insider.com/67102615a7031864928369b1?width=1000&format=jpeg&auto=webp 1000w, https://i.insider.com/67102615a7031864928369b1?width=1300&format=jpeg&auto=webp 1300w, https://i.insider.com/67102615a7031864928369b1?width=2000&format=jpeg&auto=webp 2000w" sizes="(min-width: 1280px) 900px" alt="A smiling Asian woman preps food in a kitchen." decoding="sync" /> </div> <span class="image-source-caption with-caption-drawer"> <input class="caption-drawer-input" type="checkbox" id="caption-drawer-checkbox"> <label class="caption-drawer-label" for="caption-drawer-btn"> <svg class="svg-icon chevron-down-icon caption-drawer-icon" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" > <path fill="currentColor" fill-rule="evenodd" d="m19.44 5.5-7.486 7.72L4.56 5.594 2 8.234 11.954 18.5 22 8.14 19.44 5.5Z"/> </svg> </label> <figcaption class="image-caption headline-semibold" data-e2e-name="image-caption" > <span class="image-caption-text">I think the Amex Gold is great for foodies who cook and dine out. But the benefits aren't worth the high annual fee for me, since I don't live in a big city.</span> <span class="image-source-text"> <span class="image-source headline-regular" data-e2e-name="image-source" itemprop="creditText" > Edwin Tan/Getty Images </span> </span> </figcaption> </span> </figure> <div class="sticky-toc-content-wrapper"> <aside class="sticky-toc as-aside" data-component-type="sticky-toc"> <nav class="sticky-toc-aside js-sticky-toc-aside"> <menu class="sticky-toc-menu"> <li> <a href="#who-should-get-the-amex-gold-card?" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Who Should Get the Amex Gold Card? </a> </li> <li> <a href="#rewards" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rewards </a> </li> <li> <a href="#benefits" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Benefits </a> </li> <li> <a href="#fees" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Fees </a> </li> <li> <a href="#alternatives" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Alternatives </a> </li> <li> <a href="#faqs" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> <li> <a href="#why-you-should-trust-me" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Why You Should Trust Me </a> </li> </menu> </nav> </aside> <div> <section class="post-content typography with-sticky-toc-aside pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><p></p><p>The American Express® Gold Card is one of the <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/the-best-credit-cards-for-buying-groceries" data-analytics-product-module="body_link" rel="">best cards for groceries</a> and <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/best-credit-cards-for-dining-restaurants-food" data-analytics-product-module="body_link" rel="">dining out</a>, and comes with valuable benefits like up to $120 in Uber credits each year once you activate this perk. But it also has a hefty $325 annual fee (<a href="https://affiliate.insider.com/?h=c03af51a944bd5b5bb86ec2b5249a570f6fc8454783a61b2ad1a2034252d8cfd&platform=browser&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26673862" data-analytics-product-module="body_link" rel="nofollow noindex" data-am-orig-url="https://affiliate.insider.com/?h=c03af51a944bd5b5bb86ec2b5249a570f6fc8454783a61b2ad1a2034252d8cfd&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26673862">rates and fees</a>).</p><p>For the right person, the Amex Gold Card is also a great mid-tier <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/best-travel-rewards-credit-cards" data-analytics-product-module="body_link" rel="">travel rewards card</a> because it earns bonus points on flights, hotels, and rental cars.</p><h2 id="who-should-get-the-amex-gold-card?" data-toc-id="4e717740-5501-4e2d-a801-18ca1caded12" data-toc-label="Who Should Get the Amex Gold Card?" class="toc-anchor">Who Should Get the Amex Gold Card?</h2><p>If you're just getting into the points and miles game, the Amex Gold Card can be a great compromise between a <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/best-no-fee-credit-card" data-analytics-product-module="body_link" rel="">no-annual-fee card</a> with everyday benefits and a <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/best-credit-cards" data-analytics-product-module="body_link" rel="">premium card</a> with airport lounge access that charges a sky-high annual fee to match.</p><p>The Amex Gold Card is best for young professionals who frequently go out with friends for dinner and cocktails, but also like shopping for premium groceries and cooking at home occasionally.</p><p>The classy metal card looks sleek when you pull it out at a restaurant, and comes with a $10 monthly Uber Cash credit to help you get home safely when you select the Amex Gold Card as the payment method in your Uber account. Cardholders can also enroll to get up to $10 a month in dining credits, up to $100 each year toward Resy restaurants, and up to $7 monthly Dunkin' credit to assuage your coffee and donut cravings. Terms apply.</p><p>Most importantly, you won't pay <a target="_blank" rel="noopener" href="https://www.businessinsider.com/personal-finance/credit-cards/best-credit-cards-no-foreign-transaction-fees" data-analytics-product-module="body_link">foreign transaction fees</a>, so this card is a great option to take on international trips (<a href="https://affiliate.insider.com/?h=c03af51a944bd5b5bb86ec2b5249a570f6fc8454783a61b2ad1a2034252d8cfd&platform=browser&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26673862" data-analytics-product-module="body_link" rel="nofollow noindex" data-am-orig-url="https://affiliate.insider.com/?h=c03af51a944bd5b5bb86ec2b5249a570f6fc8454783a61b2ad1a2034252d8cfd&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26673862">rates and fees</a>).</p> <div id="american-express®-gold-card" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">American Express® Gold Card</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71457-20&h=be06a069ac7976c2f71b5a4fd2456036469c48a6a3662740c793d7a6278ae823&platform=browser&postID=669fd6ecc79d31931d8214e7&postSlug=personal-finance%2Fcredit-cards%2Famex-gold-card-review&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26673981" rel="nofollow noindex" data-analytics-product-id="5e78ea42671de024d00cf6b6" data-analytics-product-brand="American Express" data-analytics-product-name="American Express® Gold Card" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold" data-am-orig-url="https://affiliate.insider.com/?h=be06a069ac7976c2f71b5a4fd2456036469c48a6a3662740c793d7a6278ae823&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26673981"> Apply now <svg xmlns="http://www.w3.org/2000/svg" width="17" height="16" fill="none"> <title>lock icon</title> <desc>An icon in the shape of lock.</desc> <g clip-path="url(#a)"> <path d="M12.501 5.334h-.666V4a3.335 3.335 0 0 0-6.667 0v1.334h-.667c-.733 0-1.333.6-1.333 1.333v6.667c0 .733.6 1.333 1.333 1.333h8c.734 0 1.334-.6 1.334-1.333V6.667c0-.733-.6-1.333-1.334-1.333ZM6.501 4c0-1.106.894-2 2-2 1.107 0 2 .894 2 2v1.334h-4V4Zm6 9.334h-8V6.667h8v6.667Z" fill="#fff"></path> </g> <defs> <clipPath id="a"> <path fill="#fff" transform="translate(.5)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg> </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.</span> <div class="financial-product-card__footer headline-regular"> <a rel="nofollow noopener noindex" target="_blank" class="not-content-link financial-product-card__footer__link" href="https://affiliate.insider.com/?amazonTrackingID=&h=c03af51a944bd5b5bb86ec2b5249a570f6fc8454783a61b2ad1a2034252d8cfd&platform=browser&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26673862" data-analytics-product-id="5e78ea42671de024d00cf6b6" data-analytics-product-brand="American Express" data-analytics-product-name="American Express® Gold Card" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="rates_fees" data-am-orig-url="https://affiliate.insider.com/?h=c03af51a944bd5b5bb86ec2b5249a570f6fc8454783a61b2ad1a2034252d8cfd&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26673862">Rates & Fees</a> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71457-20&h=be06a069ac7976c2f71b5a4fd2456036469c48a6a3662740c793d7a6278ae823&platform=browser&postID=669fd6ecc79d31931d8214e7&postSlug=personal-finance%2Fcredit-cards%2Famex-gold-card-review&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26673981" rel="nofollow noindex" data-analytics-product-id="5e78ea42671de024d00cf6b6" data-analytics-product-brand="American Express" data-analytics-product-name="American Express® Gold Card" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="image" data-am-orig-url="https://affiliate.insider.com/?h=be06a069ac7976c2f71b5a4fd2456036469c48a6a3662740c793d7a6278ae823&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26673981"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/672cf1e488cea3ba1c1ef0f8?width=400" alt="American Express American Express® Gold Card"> <noscript> <img class="no-script" src="https://i.insider.com/672cf1e488cea3ba1c1ef0f8?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="5e78ea42671de024d00cf6b6-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.7104626033503445"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.7104626033503445)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.21383762855930044"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.21383762855930044)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.46758424720093794"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.46758424720093794)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.1931241082443016"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.1931241082443016)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.048613583063108035"> <stop stop-color="#faa809" offset="30%"></stop> <stop stop-color="white" offset="30%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.048613583063108035)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4.3<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Annual Fee </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">See Rates and Fees</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </div> <p class="financial-product-card__specs__text headline-regular">$325</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">N/A</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">See Pay Over Time APR</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro Offer </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new card in your first six months of Card Membership</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </div> <p class="financial-product-card__specs__text headline-regular">Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new card in your first six months of Card Membership</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Recommended Credit </strong> </div> <p class="financial-product-card__specs__text headline-regular">Good to Excellent</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 3" data-analytics-product-id="5e78ea42671de024d00cf6b6" data-analytics-product-brand="American Express" data-analytics-product-name="American Express® Gold Card" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Great rewards for dining and for shopping at U.S. supermarkets</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Monthly statement credit for eligible dining purchases recoups some of the annual fee</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 2"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Underwhelming welcome bonus</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">Foodies and travelers alike will appreciate the American Express Gold's generous welcome bonus and Membership Rewards points earning. Its Uber Cash credits are useful for rides and Uber Eats, and monthly dining credits with participating merchants like GrubHub and Seamless are easy to use.</p> </div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.</li> <li class="financial-product-card__product-details__list-item">Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.</li> <li class="financial-product-card__product-details__list-item">Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.</li> <li class="financial-product-card__product-details__list-item">Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.</li> <li class="financial-product-card__product-details__list-item">Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.</li> <li class="financial-product-card__product-details__list-item">Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.</li> <li class="financial-product-card__product-details__list-item">$120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.</li> <li class="financial-product-card__product-details__list-item">$84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations.</li> <li class="financial-product-card__product-details__list-item">$100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.</li> <li class="financial-product-card__product-details__list-item">$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 American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.</li> <li class="financial-product-card__product-details__list-item">Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges with every booking of two nights or more through AmexTravel.com. Eligible charges vary by property.</li> <li class="financial-product-card__product-details__list-item">No Foreign Transaction Fees.</li> <li class="financial-product-card__product-details__list-item">Annual Fee is $325.</li> <li class="financial-product-card__product-details__list-item">Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.</li> <li class="financial-product-card__product-details__list-item">Terms Apply.</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="5e78ea42671de024d00cf6b6" data-analytics-product-brand="American Express" data-analytics-product-name="American Express® Gold Card" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div><h2 id="rewards" data-toc-id="687345cc-e770-45cb-b007-e3b04fc82b76" data-toc-label="Rewards" class="toc-anchor">Amex Gold Card Rewards</h2><p id="687345cc-e770-45cb-b007-e3b04fc82b76" data-toc-label="Rewards">The Amex Gold Card offers a smart way to maximize your spending on restaurants and at U.S. supermarkets.</p><h3 id="efbc0cf7-4a39-4553-b393-9f9d8b0dee49" data-toc-id="efbc0cf7-4a39-4553-b393-9f9d8b0dee49">Amex Gold Card Welcome Bonus</h3><p>The Amex Gold Card offers a welcome bonus of 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new card in your first six months of card membership, worth at least $1,180 based on Business Insider's valuations of 1.8 cents apiece. Terms apply.</p><p>This welcome offer is particularly generous because new cardholders get plenty of time to reach the spending requirements. In contrast, <a target="_blank" class="" href="https://www.businessinsider.com/personal-finance/credit-cards/best-current-credit-card-signup-bonuses" data-analytics-product-module="body_link" rel="">most cards offer welcome bonuses</a> that require spending the designated amount in half as much time.</p><h3 id="e5449cf3-7c7d-4167-8672-e8220a9bbffe" data-toc-id="e5449cf3-7c7d-4167-8672-e8220a9bbffe">Earning Rewards</h3><p>The Amex Gold Card earns Amex points at the following rates (terms apply):</p><ul><li>4 points per dollar at restaurants worldwide on up to $50,000 in purchases per calendar year, then 1 point per dollar</li><li>4 points at U.S. supermarkets on up to $25,000 spent in purchases per calendar year, then 1 point per dollar</li><li>3 points on flights booked directly with airlines or on AmexTravel.com</li><li>2 points on prepaid hotels and other eligible purchases booked on AmexTravel.com</li><li>1 point per dollar on all other eligible purchases</li></ul><h3 id="3c5de3c8-646b-4f21-ab5f-4c452bdc24f1" data-toc-id="3c5de3c8-646b-4f21-ab5f-4c452bdc24f1">Maximizing Rewards</h3><p id="3c5de3c8-646b-4f21-ab5f-4c452bdc24f1">If I spent $50,000 each year on restaurants, and an additional $25,000 at U.S. supermarkets, my Amex Gold Card would earn 200,000 points per year from dining out, plus another 100,000 points yearly from groceries, for a grand total of 300,000 Amex points. That's not including any rewards I'd earn from travel booked through Amex or spending on non-bonus categories.</p><p>And if I valued <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/best-ways-to-earn-use-amex-points" data-analytics-product-module="body_link" rel="">earning and using Amex points</a> above all other reward "currencies," I could get additional Amex cards that maximize my earnings on different expenses.</p><p>If I added The Platinum Card® from American Express to my wallet for a $695 annual fee, I'd gain access to <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/amex-centurion-lounges-how-to-access" data-analytics-product-module="body_link" rel="">Amex Centurion Lounges</a> and <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/how-to-get-priority-pass-for-free" data-analytics-product-module="body_link" rel="">Priority Pass</a> airport lounges worldwide, after enrollment. I'd also earn 5 points per dollar spent on flights booked directly with airlines or with Amex Travel, in addition to my earnings from the Amex Gold Card. And I'd have a combined Uber credit of up to $320 each year after enrolling each of my cards in this benefit by adding both cards as payment methods in my Uber account.</p><h3 id="651b89be-4635-4409-97c7-bc0d818a753b" data-toc-id="651b89be-4635-4409-97c7-bc0d818a753b">Redeeming Rewards</h3><p id="651b89be-4635-4409-97c7-bc0d818a753b">Business Insider's <a target="_blank" class="" href="https://www.businessinsider.com/personal-finance/credit-cards/what-are-points-miles-worth-value" data-analytics-product-module="body_link" rel="">guide to what points and miles are worth</a> values Amex points at an average of 1.8 cents apiece — one of the most valuable reward "currencies" available. That's because you can use Amex Membership Rewards in many different ways, particularly by transferring them to <a target="_blank" class="" href="https://www.businessinsider.com/personal-finance/credit-cards/american-express-membership-rewards-points-transfer-partners" data-analytics-product-module="body_link" rel="">American Express points transfer partners</a>.</p><p>For example, I like transferring Amex points to Delta Air Lines to fly to Taiwan in Delta One business class. When I book with points, I often pay as little as $5.60 in cash for a one-way flight worth thousands of dollars.</p><p>American Express has over 20 airline and hotel partners, all of which allow me to pay for flights and hotels with my Amex points.</p><p>I can also redeem my Amex points directly through <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/american-express-travel" data-analytics-product-module="body_link" rel="">American Express Travel</a> by booking flights, hotels, or other travel through the Amex travel portal, and paying with points at check-out. This option typically provides less value, but can offer an easier way to book travel compared to learning about point transfers and finding the best flight routes or available hotel rooms through partners.</p><p>Finally, I can redeem Amex points for non-travel purposes such as gift cards or payment at check-out for retailers like Amazon. However, this is usually a poor use for my rewards, since I often get less than 1 cent per point when using them for gift cards, statement credits, and other redemptions.</p><h2 id="benefits" data-toc-id="ea7753ef-c9eb-4ac0-bf6e-e5651057c1f3" data-toc-label="Benefits" class="toc-anchor"><strong>Amex Gold Card Benefits </strong></h2><p>The Amex Gold Card comes with valuable perks for shopping, dining, and travel that save cardholders money, including monthly credits that can significantly reduce the card's $325 annual fee (<a href="https://affiliate.insider.com/?h=c03af51a944bd5b5bb86ec2b5249a570f6fc8454783a61b2ad1a2034252d8cfd&platform=browser&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26673862" data-analytics-product-module="body_link" rel="nofollow noindex" data-am-orig-url="https://affiliate.insider.com/?h=c03af51a944bd5b5bb86ec2b5249a570f6fc8454783a61b2ad1a2034252d8cfd&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26673862">rates and fees</a>).</p><p>I recommend this card for households that frequently order takeout or food delivery. Remember: Many benefits are "use it or lose it," and don't roll over month to month. </p><p>Here are some of my favorite benefits of this card:</p><h3 id="de8488cb-164a-4811-8754-d76ef9de9ffc" data-toc-id="de8488cb-164a-4811-8754-d76ef9de9ffc">$300+ in Annual Dining Credits</h3><p>If you're a foodie who lives in a city with a fun dining scene, you can get a few hundred dollars worth of free meals from the Amex Gold Card after activating this benefit via your account dashboard. Terms apply.</p> <aside class="callout-box headline-regular ignore-typography"> <p>I always remind friends and family members to enroll for these benefits on the cardholder benefits page to begin collecting their rewards. If you don't opt in, you won't get credit at any of the following restaurants. </p> </aside> <p>Cardholders receive monthly credits for purchases via Resy, Grubhub, and select restaurant chains:</p><h4 id="bba3a695-4545-4056-a1fb-b2d3d4b22064" data-toc-id="bba3a695-4545-4056-a1fb-b2d3d4b22064"><strong>Up to $50 Semi-Annually at Resy Restaurants ($100/year)</strong></h4><p>Resy is becoming ever more popular, especially with buzzy new restaurants that seem to have monthslong waitlists. I've found myself with Resy, Tock, and Open Table accounts that automatically link my phone number to my dining account.</p><p>Amex Gold Cardholders who enroll in this benefit receive two semi-annual credits of up to $50 apiece, totaling $100 a year. These credits apply to eligible dining purchases made at participating Resy restaurants between January and June, then July and December. Terms apply.</p><h4 id="eb8e0336-349f-488a-935b-4c37cf56aab7" data-toc-id="eb8e0336-349f-488a-935b-4c37cf56aab7"><strong>Up to $10 Monthly at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys ($120/year)</strong></h4><p>Amex Gold Card holders also get up to $10 a month back in statement credits on purchases at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys when enrolled. The complimentary credit automatically appears on your statement after you use your Amex Gold Card to pay for an eligible order. Terms apply.</p><p>I've found Grubhub credit to be the easiest benefit to use in this category, since cardholders have the full range of local Grubhub restaurants to choose from instead of limiting themselves to a handful of restaurants.</p><p>I've also begun ordering Grubhub or DoorDash to my hotel room instead of ordering room service, which typically tastes much better and gives me more options as well as costing me a lot less than hotel food. If you enjoy doing the same thing, this monthly benefit can save you a lot of pocket change.</p><h4 id="6c575983-238e-4d66-9d9d-d28ee20a9e1a" data-toc-id="6c575983-238e-4d66-9d9d-d28ee20a9e1a"><strong>Up to $7 Monthly on Dunkin' ($84/year)</strong></h4><p>Amex Gold Card cardholders also receive up to $7 each month in statement credits when making purchases at participating Dunkin' locations after enrollment. Terms apply.</p><h4 id="067fa03b-c96b-4864-8a84-81f27f023ab1" data-toc-id="067fa03b-c96b-4864-8a84-81f27f023ab1"><strong>Up to $10 Monthly in Uber Cash Credits ($120/year)</strong></h4><p>The Amex Gold Card also comes with $10 a month in Uber Cash credit after enrollment, again up to a maximum of $120 per year, toward eligible U.S. Uber rides or Uber Eats purchases when the card is selected as the payment method in your Uber account. Terms apply.</p><p>It's always nice to have some spare Uber credit, but I personally find these small monthly amounts frustrating to use. I'd far prefer an annual credit of $120 that I can spend on a single pricy ride, rather than on several shorter ones at my discretion. </p><h3 id="28b1608f-0d9a-4b8a-b24a-9fd1a3269b0a" data-toc-id="28b1608f-0d9a-4b8a-b24a-9fd1a3269b0a">Up to $100 Annual Experience Credit, Plus Late-Checkout Privileges</h3><p>Amex Gold Card holders get an annual statement credit of $100 toward eligible resort expenses when booking a hotel stay of two or more nights through the Amex Hotel Collection. Terms apply.</p><p>The credit doesn't apply to the cost of your hotel. Instead, it applies to add-ons such as spa massages, dining in the hotel restaurant, or any other on-property expense you may incur during your stay. <br><br>Cardholders also receive late check-out and early check-in benefits when available, plus a room upgrade at arrival whenever available. </p><p>If you don't stay in hotels often enough to chase elite status, this benefit can be a nice way to pamper yourself a little more than usual. </p><h3 id="7bfeadb7-b850-4323-95f1-bc3a966c1f4a" data-toc-id="7bfeadb7-b850-4323-95f1-bc3a966c1f4a">Travel Insurance Protections and Benefits</h3><p>The Amex Gold Card comes with several coverage benefits for travel (terms apply):</p><ul><li>Secondary rental car insurance</li><li>Baggage insurance</li><li>Trip delay insurance</li><li>Purchase protection</li><li>Extended warranty</li><li>Global Assist hotline</li></ul> <aside class="callout-box headline-regular ignore-typography"> <p><strong>Personal take: </strong>These benefits are better than having no coverage at all, but I don't recommend getting the Amex Gold Card for its travel insurance benefits alone. There are other cards, including several with lower annual fees, that offer stronger protections.</p><p>Business Insider's guide to the <a target="_blank" class="" href="https://www.businessinsider.com/personal-finance/credit-cards/best-credit-cards-travel-insurance" data-analytics-product-module="body_link" rel="">best credit cards with travel insurance</a> walks you through many options that reimburse you for lost or delayed bags, canceled travel, and more.</p> </aside> <h4 id="4ff30bcf-f828-4ac2-9285-7219e001a2cf" data-toc-id="4ff30bcf-f828-4ac2-9285-7219e001a2cf"><strong>Secondary Car Rental Insurance</strong></h4><p>Secondary car rental insurance offers supplemental protection for any costs incurred if your rental car is stolen or damaged. You're eligible for this protection if you use the card to pay for your rental in full, and decline the rental company's collision damage waiver. Terms apply.</p> <aside class="callout-box headline-regular ignore-typography"> <p><strong>Personal take: </strong>I wouldn't use the Amex Gold Card to cover my rental car. Instead, I'd choose another card that offers primary rental car coverage. Primary coverage is superior to secondary coverage, because it doesn't require me to first file a claim with my own insurance company.</p><p>I'd recommend getting the Chase Sapphire Preferred® Card if you frequently rent cards when you travel. This card only costs $95 in annual fees, but offers primary rental car insurance for cardholders. Coverage terms include some exclusions and conditions, so be sure to read the fine print.</p> </aside> <h4 id="5e6721df-a861-4826-9690-76bbc98a0d79" data-toc-id="5e6721df-a861-4826-9690-76bbc98a0d79"><strong>Baggage Insurance</strong></h4><p>Baggage insurance is helpful if you paid for airfare with this card and an airline loses or damages your luggage in transit. Amex Gold Card holders can claim up to $500 per person for checked bags, and $1,250 per person for carry-on luggage. Terms apply.</p><p>This is a generous amount by most standards; I've rarely lost luggage carrying more value than these limits.</p><h4 id="56c2c720-08ee-4672-ba06-de0d65364910" data-toc-id="56c2c720-08ee-4672-ba06-de0d65364910"><strong>Trip Delay Insurance</strong></h4><p>And if you've ever been on delayed flights like I have, you'll appreciate trip delay insurance. This benefit will reimburse you up to $300 for meals, lodging, toiletries, medication, and other personal items if you've paid for round-trip travel with your Amex Gold Card and you're delayed by 12 hours or more. Cardholders are eligible for up to two approved claims per consecutive 12-month period. Terms apply.</p><p>I've personally found trip delay insurance to be the easiest perk to use for travel compensation. You'll need official proof from the airline regarding your flight delay, so I typically email the customer service support team and request documentation detailing the specific issue. Once I have that in hand, the insurance company usually disburses my funds within 10 business days. </p><p>Many of these benefits have exclusions or specific eligibility conditions, so make sure you read the fine print in your cardholder agreement.</p><h2 id="fees" data-toc-id="3e374fb7-1571-450c-9945-531098e16860" data-toc-label="Fees" class="toc-anchor"><strong>Amex Gold Card Fees</strong></h2><h3 id="25a21228-0506-47aa-a6e6-b62ae2a9ba28" data-toc-id="25a21228-0506-47aa-a6e6-b62ae2a9ba28">Annual Fee</h3><p>The Amex Gold Card has an annual fee of $325 (<a href="https://affiliate.insider.com/?h=c03af51a944bd5b5bb86ec2b5249a570f6fc8454783a61b2ad1a2034252d8cfd&platform=browser&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26673862" data-analytics-product-module="body_link" rel="nofollow noindex" data-am-orig-url="https://affiliate.insider.com/?h=c03af51a944bd5b5bb86ec2b5249a570f6fc8454783a61b2ad1a2034252d8cfd&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26673862">rates and fees</a>).</p><p>Amex increased the rate in 2024, but added the Dunkin' and Resy credits to offset the higher cost. The card's value will depend on whether you can utilize most or all of the included credits each year. Most people should be able to use the semi-annual Resy credits pretty easily, which drops the cost of holding the card right away.</p><h3 id="b7b2f79b-5578-4182-aab9-a1ebb3a5c629" data-toc-id="b7b2f79b-5578-4182-aab9-a1ebb3a5c629">Other Fees and Costs</h3><p>The Amex Gold Card does not charge foreign transaction fees (<a href="https://affiliate.insider.com/?h=c03af51a944bd5b5bb86ec2b5249a570f6fc8454783a61b2ad1a2034252d8cfd&platform=browser&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26673862" data-analytics-product-module="body_link" rel="nofollow noindex" data-am-orig-url="https://affiliate.insider.com/?h=c03af51a944bd5b5bb86ec2b5249a570f6fc8454783a61b2ad1a2034252d8cfd&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26673862">rates and fees</a>).</p><p>Like most other cards, the Amex Gold Card charges penalty fees for late or returned payments and transaction fees for cash advances.</p><h2 id="alternatives" data-toc-id="6cb3264c-3ab8-4a7f-b521-6229220b3e32" data-toc-label="Alternatives" class="toc-anchor">Amex Gold Card Alternatives</h2><p>The Amex Gold Card has a lot to offer, but it isn't the only good option for foodies.</p><p>I often recommend the cards below to friends and family who want to avoid annual fees. All earn bonus points on dining, and come with various benefits that enhance your lifestyle.</p><h3 id="8ee84dc3-ab87-4479-a009-24ea41162ef1" data-toc-id="8ee84dc3-ab87-4479-a009-24ea41162ef1">Amex Gold Card vs. Bilt Mastercard®</h3><p id="84fa9859-0096-4f48-8a4f-62df2e792b3b">The Bilt Mastercard® is a no-annual-fee credit card that earns 3 points per dollar on dining expenses (<a href="https://www.wellsfargo.com/credit-cards/bilt/terms/" data-analytics-product-module="body_link" rel=" nofollow">rates and fees</a>). Business Insider values Bilt Points at 1.65 cents apiece on average, which means I "earn" back nearly 5 cents of value per dollar I spend at restaurants. You must use the card at least five times each statement period to earn points.</p><p>In fact, the bonus rewards on the Bilt Mastercard® are exactly why I have this credit card, even though I don't pay rent. The Bilt Mastercard® is best known as a card for renters because it allows them to pay rent to earn rewards without paying any transaction fees, but even as a non-renter, there's a lot of value for me in earning so much return on dining. The card also earns 2 points per dollar on travel, and 1 point per dollar on everything else including rent (up to 100,000 points each calendar year).</p><p>Better yet, Bilt offers a monthly opportunity to earn double points, even on dining. Bilt program members can earn twice as many points per category, excluding rent, on the first day of every month, fondly known as <a target="_blank" class="" href="https://www.businessinsider.com/personal-finance/credit-cards/bilt-rent-day" data-analytics-product-module="body_link" rel="">Bilt Rent Day</a>, up to a total of 1,000 bonus points. If you're doing the math alongside of me, that's 6 points per dollar on dining — or nearly 10 cents in Bilt Points value per dollar spent.</p><p>If you dine out more often than you cook, you'll come out ahead by choosing the Bilt Mastercard® over the Amex Gold Card — especially if you pay rent with this card. But if you value Amex points, or spend a lot at U.S. supermarkets, the Amex Gold Card still has a lot to offer you.</p><p><em>Read more about this card in our </em><a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/bilt-mastercard-card-review" data-analytics-product-module="body_link" rel=""><em>Bilt Mastercard card review</em></a><em>.</em></p><h3 id="eb9823b3-c7da-4f96-8cc7-45e231804280" data-toc-id="eb9823b3-c7da-4f96-8cc7-45e231804280">Amex Gold Card vs. Chase Freedom Flex®<span class="inline-tooltip tooltip-multiline headline-regular tooltip-product-link" data-tooltip="The information related to the Chase Chase Freedom Flex® has been collected by Business Insider and has not been reviewed by the issuer." data-tooltip-position="top" data-component-type="inline-tooltip"><svg width="8px" height="8px" viewBox="0 0 60 60" xmlns="http://www.w3.org/2000/svg"> <title></title> <desc></desc> <g id="asterisk" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <path d="M29.37 0a5 5 0 014.975 4.805l.004.216-.074 17.076 16.857-9.732a5 5 0 015.196 8.542l-.196.119-16.316 9.42 16.316 9.42a5 5 0 01-4.799 8.77l-.2-.11-16.929-9.774-.07 16.27a5 5 0 01-9.996.175l-.003-.217.065-15.519-15.7 9.065a5 5 0 01-5.195-8.542l.196-.119 16.315-9.42-16.315-9.42a5 5 0 014.8-8.77l.2.11 15.776 9.11.072-16.496A5 5 0 0129.37 0z" fill="#0a0a0a"></path> </g> </svg></span> </h3><p>Another great option with no annual fee is the Chase Freedom Flex®. I'm partial to <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/best-chase-card" data-analytics-product-module="body_link" rel="">Chase credit cards</a> because I find them extremely easy to use from my home base in Austin. </p><p>The Chase Freedom Flex® earns 3% cash back on dining and drugstore expenses, which is extremely handy because I find myself at CVS and Walgreens far more often than I think, especially during the winter months. This card also earns 5% cash back on travel booked through <a target="_blank" class="" href="https://www.businessinsider.com/personal-finance/credit-cards/chase-ultimate-rewards-travel-portal" data-analytics-product-module="body_link" rel="">Chase Travel</a>℠.</p><p>Two other handy benefits of this card include bonus categories and partner cards. <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/chase-freedom-card-quarterly-bonus-categories-calendar" data-analytics-product-module="body_link" rel="">Chase Freedom cards have quarterly bonus categories</a> that earn 5% cash back on up to $1,500, and sometimes those benefits stack with existing bonus rewards.</p><p>For example, hotels were a 5% cash back category in summer 2024 that also earned 5% cash back if booked through Chase Travel℠. Thus, cardholders like myself who booked hotels through Chase last summer earned additional cash back. </p><p>Like Amex cards, Chase also offers great "partner" cards that pair well together. When I combine my Chase Freedom Flex® with the Chase Sapphire Reserve®, my rewards are worth 50% more when redeemed through Chase Travel℠. I can also unlock <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/chase-ultimate-rewards-points-transfer-partners" data-analytics-product-module="body_link" rel="">Chase Ultimate Rewards points transfer partners</a> by transferring my Chase Freedom Flex® rewards to the <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/chase-sapphire-reserve-credit-card-review" data-analytics-product-module="body_link" rel="">Chase Sapphire Reserve®</a>.</p><p>I recommend the Chase Freedom Flex® for people who want to avoid annual fees and are open to earning Chase rewards. But if you don't want to keep track of bonus categories that change every month, you won't be able to get max value from this card.</p><p><em>Read more about this card in our </em><a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/chase-freedom-flex-credit-card-review" data-analytics-product-module="body_link" rel=""><em>Chase Freedom Flex credit card review</em></a><em>.</em></p><h3 id="39d0fd5d-4bfa-4e47-a694-21e3142c2095" data-toc-id="39d0fd5d-4bfa-4e47-a694-21e3142c2095">Amex Gold Card vs. Capital One Venture X Rewards</h3><p>Unlike the other two recommendations in this section, the Capital One Venture X Rewards Credit Card swings in the opposite direction when it comes to annual fees.</p><p>The Capital One Venture X Rewards has an annual fee of $395, which is slightly more expensive than theAmex Gold Card. However, cardholders get an amazing benefit in exchange for this cost: Complimentary Priority Pass Select membership to more than 1,300 airport lounges worldwide — for themselves and up to four additional authorized users on the credit card.</p><p><a target="_blank" class="" href="https://www.businessinsider.com/personal-finance/credit-cards/how-to-get-priority-pass-for-free" data-analytics-product-module="body_link" rel="">Priority Pass</a> access costs several hundred dollars a year if you purchase membership outright, so this benefit alone can save you a lot of money every year, especially if you travel frequently and often purchase food or drinks at the airport.</p><p>The Capital One Venture X Rewards earns 10 miles on hotels and rental cars booked through Capital One Travel, 5 miles per dollar on flights and vacation rentals booked through Capital One Travel, and 2 miles on all other purchases. If you don't book travel through Capital One, these reward rates are relatively mediocre. But if you value simplicity, this card can make it really easy for you to earn 2 miles per dollar on spending.</p><p>I recommend the Capital One Venture X Rewards for families who want to keep their credit card strategy simple and who don't dine out often, but really value the comfort of entering airport lounges when they travel. While theAmex Gold Card offers fantastic perks for foodies, it lacks travel-specific benefits that can make economy travel feel more luxurious.</p><p><em>Read more in our </em><a target="_blank" class="" href="https://www.businessinsider.com/personal-finance/credit-cards/capital-one-venture-x-rewards-credit-card-review" data-analytics-product-module="body_link" rel=""><em>Capital One Venture X Rewards credit card review</em></a><em>.</em></p><h2 id="faqs" data-toc-id="49fb9e15-afd6-4168-8b79-689159e911a5" data-toc-label="FAQs" class="toc-anchor">Amex Gold Card Frequently Asked Questions</h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Why should I get an Amex Gold? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">You should get an Amex Gold Card if you spend $1,000 or more on dining and groceries each month. The card earns 4 Membership Rewards® points on purchases at restaurants worldwide (on up to $50,000 in purchases per calendar year, then 1 point), 4 points at US supermarkets (on up to $25,000 in purchases per calendar year, then 1 point), 3 points on flights booked directly with airlines or on AmexTravel.com, 2 points on prepaid hotels and other eligible purchases booked on AmexTravel.com, and 1 point on all other eligible purchases. Cardholders can also enroll to enjoy several dining credits worth a few hundred dollars a year, and an Uber Cash benefit. Terms apply.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How does the Amex Gold Card compare to other premium rewards cards? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Compared to other premium rewards cards, the Amex Gold Card offers some of the best rewards on dining and supermarket purchases. However, the annual fee recently increased to $325, and the card lacks some premium travel perks, such as airport lounge access, available from higher-tier rewards cards with comparable fees (<a href="https://affiliate.insider.com/?h=c03af51a944bd5b5bb86ec2b5249a570f6fc8454783a61b2ad1a2034252d8cfd&platform=browser&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26673862" data-analytics-product-module="body_link" rel="nofollow noindex" data-am-orig-url="https://affiliate.insider.com/?h=c03af51a944bd5b5bb86ec2b5249a570f6fc8454783a61b2ad1a2034252d8cfd&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26673862">rates and fees</a>).</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What is the current welcome bonus for the Amex Gold Card? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">The current welcome bonus for the Amex Gold Card is 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new card in your first six months of card membership. Terms apply.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Is the Amex Gold worth having? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">The Amex Gold Card is worth having if you can maximize its benefits. But it has a very high annual fee relative to competitors in the same category. People without high dining or grocery expenses may struggle to maximize enough value from this card to justify its $325 annual fee (<a href="https://affiliate.insider.com/?h=c03af51a944bd5b5bb86ec2b5249a570f6fc8454783a61b2ad1a2034252d8cfd&platform=browser&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26673862" data-analytics-product-module="body_link" rel="nofollow noindex" data-am-orig-url="https://affiliate.insider.com/?h=c03af51a944bd5b5bb86ec2b5249a570f6fc8454783a61b2ad1a2034252d8cfd&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26673862">rates and fees</a>).</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How can I maximize the rewards from the Amex Gold Card? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">To maximize rewards, use the card for all dining and U.S. supermarket purchases to take advantage of the 4-point bonus categories (on up to $50,000 per year for dining and up to $25,000 per year for supermarkets). Utilize the card for flights booked directly with airlines or on amextravel.com to earn 3 points per dollar. Take full advantage of the dining credit and Uber Cash benefits to offset the annual fee and enhance your overall value. Terms Apply.</p> </div> </div> </div><h2 id="why-you-should-trust-me" data-toc-id="01e6dd90-1ae3-4b55-95ac-3f8de65eb22f" data-toc-label="Why You Should Trust Me" class="toc-anchor">Why You Should Trust Me: How I Reviewed the Amex Gold Card</h2><p>I've been reviewing credit cards and travel rewards since 2015, and have more than two dozen active credit cards in my wallet. Friends and family frequently ask me for my best recommendations on credit cards right now, so I think about the various merits of popular cards all the time.</p><p>I compared the Amex Gold Card against leading competitors and rated this card based on the following criteria:</p><p><strong>Annual fee</strong> — Is the card's annual fee in line with rates from competing cards? Is the fee justifiable compared to the card's offered benefits? </p><p><strong>Earning potential</strong> — Does the card earn generous rewards on specific spend categories that average consumers can maximize each month?</p><p><strong>Benefits and perks</strong> — Do the benefits included on this card significantly enhance the cardholder's lifestyle? </p><p><strong>Rewards ecosystem</strong> — Are rewards earned on this card transferrable to other card accounts? Can they be redeemed or transferred for airline and hotel travel? </p><p>Learn more about <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/how-we-rate-credit-cards" data-analytics-product-module="body_link" rel="">how we rate credit cards</a> at Business Insider. </p><iframe data-src="https://products.gobankingrates.com/pub/bcf1f183-92e6-4401-ac5f-d7b47ca8c33c?targeting[subcategory]=creditcards&resize=1&ident=99&pub_inventory=credit-cards/amex-gold-card-review-pfi-credit-cards" data-indent="99" scrolling="no" frameborder="0" width="100%" style="min-width:300px;max-height:475px;"></iframe> <script async="" type="text/javascript" id="go-banking-resize"> window.addEventListener('message', onGoBankingResize, false); function onGoBankingResize(e) { { if (e.origin === 'https://products.gobankingrates.com' && e.data) { if (e.data.source && e.data.id && undefined !== e.data.height) { var id = 'iframe[data-indent="' + e.data.id + '"]'; var chosenFrame = document.querySelector(id); if (chosenFrame) { var height = e.data.height + 'px'; chosenFrame.style.height = height; } } } } } </script><section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/katherine-fan" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="katherine-fan"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/62eaeb8326082a001825aa6c?crop=1:1&width=256&format=jpeg&auto=webp" alt="Photo of the author Katherine Fan"> <noscript> <img class="no-script" src="https://i.insider.com/62eaeb8326082a001825aa6c?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/katherine-fan" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Katherine Fan</div> </a> <div class="post-author_title headline-regular">Correspondent, Credit Cards</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span>Katherine Fan is a personal finance expert, journalist, and public speaker with almost 10 years of industry experience. She began her career in tech before transitioning to journalism in 2015. Katherine currently serves as Personal Finance Insider's correspondent for credit card coverage. Before joining Business Insider as Senior Editor of Credit Cards, Katherine covered aviation, award travel, loyalty programs, and credit cards as a senior reporter for The Points Guy, and small business finances as a lead writer for Nerdwallet. </span><span>Katherine has also freelanced for major media publications such as Bankrate, CreditCards.com, the Dallas Morning News, LendingTree, Upgraded Points, and Slickdeals Money. Her work has been syndicated by Nasdaq, MSN, and Yahoo. </span><span><span class="headline-semibold">Experience</span></span><span>Katherine has published more than 1,800 articles, guides, and reviews covering credit card benefits and rewards, small business finances, points and miles travel, loyalty programs, and real estate investing. </span><span>Katherine has been a speaker at TravelCon and a guest on multiple podcasts including NPR Life Kit, Expedia's Out Travel the System, and The Points Guy's Miles Away. In her spare time, Katherine moonlights as a photojournalist covering Formula 1, Austin City Limits, and SXSW for the Austin American-Statesman and other media outlets. When she's not jetsetting around the world, you'll likely find her in Austin cooking up a batch of spicy Chinese food.<span class="headline-semibold">Expertise</span></span><span>Katherine's expertise encompasses:</span><ul><li><span>Small business finances</span></li><li><span>Credit cards</span></li><li><span>Points and miles travel</span></li><li><span>Travel insurance</span></li><li><span>Real estate investing</span></li></ul><span>Katherine's interest in personal finance extends to her own interests. Despite a salary of just $28,000 a year from her first full-time job, Katherine built an excellent credit score of 805 from scratch through hard work [and privilege], which allowed her to purchase her first home six years after graduating from college. She's since added five more doors to her real estate portfolio, although she plans to retire on her index fund investments.Thanks to credit card travel rewards, Katherine has flown well over one million miles visiting 44 countries across all seven continents. She's sailed with orcas in Antarctica, flown home in first class from Japan, photographed a wedding at Hobbiton in New Zealand, and gone on safari in South Africa. But her most meaningful trips always bring her home to loved ones in Taiwan. <span class="headline-semibold">Education</span></span><span>Katherine holds dual degrees in photojournalism and Asian American studies from the University of Texas at Austin, and a certificate in business Chinese proficiency from National Taiwan University. She began her professional career in tech as a software sales executive for seven years before returning to her media roots. </span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/angela-fung" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="angela-fung"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/67885fee8951662c9f2076d5?crop=1:1&width=256&format=jpeg&auto=webp" alt="Angela Fung's face on a gray background."> <noscript> <img class="no-script" src="https://i.insider.com/67885fee8951662c9f2076d5?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/angela-fung" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Angela Fung</div> </a> <div class="post-author_title headline-regular">Marketing Compliance and Operations Manager</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded1"> <div class="post-author_bio_content"> <span>Angela Fung is the marketing compliance and operations manager for Business Insider’s personal finance team. She is a personal finance expert and has been a part of Business Insider for nearly four years. </span><span><span class="headline-semibold">Experience</span></span><span>Angela leads the compliance team in identifying and reducing risk for readers, the editorial team, and external partners. Her team aims to provide readers with accurate, up-to-date information about financial products and maintain reader trust. She ensures regulatory and partner marketing guidelines are upheld for partners and adheres to the personal finance team’s <a href="https://www.businessinsider.com/personal-finance/personal-finance-editorial-standards" rel="">editorial standards</a> so they can maintain editorial independence. </span><span>Angela likes helping readers better understand personal finance so that they can build a strong foundation for their financial plan and, hopefully, give themselves the freedom to do more in other facets of their lives.</span><span><span class="headline-semibold">Expertise</span></span><span>Angela has expertise in and oversees compliance in the following areas of personal finance:</span><ul><li><span>Personal credit cards</span></li><li><span>Business credit cards</span></li><li><span>High-yield savings accounts</span></li><li><span>CDs</span></li></ul><span>She also has a thorough knowledge of federal regulation for consumer financial protection. A few examples include:</span><ul><li><span>Regulation Z, Truth in Lending</span></li><li><span>Unfair, Deceptive, Or Abusive Acts Or Practices (UDAAP)</span></li><li><span>Regulation N, Mortgage Acts and Practices Advertising Rule</span></li><li><span>Endorsement Guidelines</span></li></ul><span><span class="headline-semibold">Education</span></span><span>Angela graduated from the University of Chicago with a bachelor’s degree in neuroscience. </span><span>In her free time, she shoots lifestyle photography, volunteers at Meals for Unity, and plays tennis.</span> </div> <label for="expanded1" role="button" class="post-author_bio_more">Read more</label> <label for="expanded1" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> <div class="featured-products sticky-featured-product"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> <a href="https://secure.money.com/pr/u8327de6ed05" target="_blank" data-analytics-product-area="image" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="SoFi® Checking and Savings (Member FDIC)" data-analytics-product-id="63cff3349bca6000112c3c92" class="featured-product-image not-content-link" rel="nofollow noindex"> <div class="lazy-holder lazy-holder " style="padding-top: calc(100% * 95 / 149)"> <img class="lazy-image " src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/654be4c936d588dc55cd46e3":{"contentType":"image/png","aspectRatioW":1150,"aspectRatioH":304}}" alt="Sofi logo"> <noscript> <img class="no-script" src="https://i.insider.com/654be4c936d588dc55cd46e3?width=600&format=jpeg&auto=webp" /> </noscript> </div> </a> <div class="featured-product-hgroup"> <a href="https://secure.money.com/pr/u8327de6ed05" target="_blank" class="featured-product-heading not-content-link" data-analytics-product-area="title" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="SoFi® Checking and Savings (Member FDIC)" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> SoFi® Checking and Savings (Member FDIC) </a> <span class="headline-semibold featured-product-sub-heading"> Earn up to a $300 bonus with qualifying direct deposits for eligible customers through 1/31/2026. Earn up to 3.80% APY on savings balances (including Vaults) with direct deposit or qualifying deposit. <div class="component rich-tooltip featured-product-rich-tooltip" role="tooltip" data-tooltip-position="right"> <svg class="svg-icon tooltip-icon " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"> <title></title> <desc>A tooltip</desc> <path d="M30.6 36.6l.1-1.2c.2-2.3 1.3-3.3 3.4-5.2 2.5-2.3 5.7-4.5 5.7-8.6 0-5-4.3-7.7-9.2-7.7-3.8 0-6.8 1.5-10 4.4l2.2 2.5c3.1-2.5 5-3.5 7.7-3.5 3.2 0 5.4 1.7 5.4 4.4s-2.2 4.2-4.4 6.1c-3.4 2.9-4 4.1-4 7.3v1.5h3.1zm.7 8.4v-4.6h-4.4V45h4.4z"></path> <path d="M30 0c16.6 0 30 13.4 30 30S46.6 60 30 60 0 46.6 0 30 13.4 0 30 0zm0 3C15.1 3 3 15.1 3 30s12.1 27 27 27 27-12.1 27-27S44.9 3 30 3z"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">SoFi members who enroll in SoFi Plus with Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Only SoFi Plus members are eligible for other SoFi Plus benefits. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. See the SoFi Plus Terms and Conditions at https://www.sofi.com/terms-of-use/#plus.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </span> </div> <div class="featured-product-cta"> <a href="https://secure.money.com/pr/u8327de6ed05" target="_blank" class="featured-product-link not-content-link" data-analytics-product-area="button" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="SoFi® Checking and Savings (Member FDIC)" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> Start Saving </a> </div> </div> </div> </div> </div> </div> </section> <aside class="headline-regular financial-disclaimer non-affiliate-disclosure">The information for the following product(s) has been collected independently by Business Insider: Chase Freedom Flex®. The details for these products have not been reviewed or provided by the issuer.</aside> <section class="category-tagline body-italic"> <div> <p class="body-italic"><p style="font-size:14px;"><em>For rates and fees of the American Express® Gold Card, please click <a href="https://oc.brcclx.com/t/?lid=26673862&cr=28353&last_updated=1598923399" target="_blank" rel="nofollow" >here.</a></em></p></p> <p class="body-italic"><p style="font-size:14px;"><em>Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. <a href="https://www.businessinsider.com/personal-finance/personal-finance-editorial-standards">Read our editorial standards</a>.</em></p><p style="font-size:14px;"><em>Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.</em></p><p style="font-size:14px;"><em>**Enrollment required.</em></p></p> <p class="body-italic"><p style="font-size:10px;"><em>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Trip Delay Insurance, Trip Cancellation and Interruption Insurance, and Cell Phone Protection Underwritten by New Hampshire Insurance Company, an AIG Company. Global Assist Hotline Card Members are responsible for the costs charged by third-party service providers. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers. Extended Warranty, Purchase Protection, and Baggage Insurance Plan Underwritten by AMEX Assurance Company. Car Rental Loss & Damage Insurance Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.</em></p></p> <p class="body-italic"><p style="font-size:14px;"><em>For rewards and benefits of the Bilt Mastercard, please click <a href="https://www.biltrewards.com/terms/rewards-and-benefits" target="_blank" rel="nofollow" >here. </a></em></p></p> <p class="body-italic"><p style="font-size:14px;"><em> For a guide to the benefits of the Bilt Mastercard, please click <a href="https://www.wellsfargo.com/credit-cards/bilt/guide-to-benefits/" target="_blank" rel="nofollow" >here. </a></em></p></p> </div> </section></div> </div> <section class="post-content-more"> <div class="inline-newsletter-signup headline-regular loading insider-today" id="formContainer" data-component-type="inline-newsletter-module" data-event-label="insider_today" data-newsletter-id="1" data-newsletter-title="Business Insider Today" data-acq-source="personalfinanceverticalinline" data-track-view={"subscription_experience":"bi_value_unassigned","product_field":"bi_value_unassigned","element_name":"inline_newsletter"} > <section class="inline-newsletter-content"> <div class="inline-newsletter-insider-today-header"> <div> <div class="inline-newsletter-logo-tag"> <div class="inline-newsletter-logo"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 24 / 318)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/BI/US/logos/newsletters/business-insider-today.svg' alt="Business Insider Today" /> <noscript> <img class="no-script" src="/public/assets/BI/US/logos/newsletters/business-insider-today.svg" /> </noscript> </div> </div> </div> <div class="newsletter-signup-header" id="signUpHeader" > Get the inside scoop on today's big stories<span class="homepage-newsletter-description-desktop"> - delivered daily</span>. </div> </div> </div> <div class="js-loader hidden"><svg class="svg-icon " version="1.1" xmlns="http://www.w3.org/2000/svg" role="img" width="50" height="50" viewBox="0 0 50 50" style="enable-background:new 0 0 50 50;" xml:space="preserve"> <path fill="#0a0a0a" d="M43.935,25.145c0-10.318-8.364-18.683-18.683-18.683c-10.318,0-18.683,8.365-18.683,18.683h4.068c0-8.071,6.543-14.615,14.615-14.615c8.072,0,14.615,6.543,14.615,14.615H43.935z"> <animateTransform attributeType="xml" attributeName="transform" type="rotate" from="0 25 25" to="360 25 25" dur="0.6s" repeatCount="indefinite"/> </path> </svg></div> <div class="error-request-message headline-regular hidden"></div> <div class="success-container__desktop d-none"> <div class="success-message-container"> <div class="success-message headline-semibold"> Thanks for signing up! </div> <div class="success-sub-message headline-semibold">Look out for your first newsletter with today's big story in your inbox soon.</div> </div> </div> <div class="success-container__mobile d-none"> <div class="success-message headline-semibold">Thanks for signing up!</div> <div class="success-sub-message headline-regular"> Access your favorite topics in a personalized feed while you're on the go. <button class="rounded-button headline-semibold blue-button download" type="blue" > Download the app </button> </div> </div> <div id="account-creation-component" data-element-name="inline_newsletter" data-load-markup="inline-newsletter-module/account-creation/template"> </div> <form id="emailCapture" action="javascript:void(0);" method="POST" novalidate > <div class="flex-parent"> <div class="user-input-container"> <label id="focusedLabel" class="headline-regular" for="newsletter-module-email" >Email address</label> <input class="headline-regular" type="email" autocapitalize="off" name="newsletter-module-email" id="newsletter-module-input" placeholder="Enter your email" autocomplete="email" required="required" /> </div> <div class="submit-container headline-semibold"> <button class="rounded-button headline-semibold blue-button inline-newsletter-submit" type="blue" > Sign up </button> </div> </div> <div class="mobile-error-msg error-msg hidden headline-regular"></div> <div class="desktop-error-msg error-msg hidden headline-regular"></div> <div class="sign-up-tos headline-regular" id="nlTos" > By clicking “Sign Up”, you agree to receive emails from Business Insider. In addition, you accept Insider's <a href="https://www.businessinsider.com/terms" target="_blank">Terms of Service</a> and <a href="https://www.businessinsider.com/privacy-policy" target="_blank">Privacy Policy</a>. </div> </form> </section> <style> .inline-newsletter-signup.loading { width: 100%; max-width: 640px; margin: 0 auto; visibility: hidden; } </style> </div></section> <div class="post-category-tags" data-component-type="post-category-tags" data-load-strategy="lazy"> <ul class="post-category-tags-list headline-semibold" data-track-click-shared="{"product_field":"bi_value_unassigned","event":"navigation","element_name":"category_link"}" > </ul> </div> </article> </div> </section> </section>  <aside id="l-rightrail" data-rail> <div class="featured-products sticky-featured-product" data-component-type="featured-products" data-is-pfi-banking-post="false"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> 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