American ExpressBest for Dining and groceries
American Express® Gold Card
Annual Fee
$250/yr
Rewards Rate
1x-4x
Intro Offer
60,000 points
Regular APR
See terms
American Express® Gold Card
American Express® Gold Card
4x at restaurants and U.S. supermarkets. $120 dining credit.
Our take
Strong rewards for food and travel. Annual fee is offset by dining and Uber credits for many cardholders.
Highlights
What we like
4x at restaurants worldwide and U.S. supermarkets
$120 dining credit + $120 Uber credit annually
No foreign transaction fee
The trade-off
$250 annual fee
Credits require specific merchants to maximise
Is this card right for you?
Answer a few quick questions — we'll tell you if it fits your spending habits and credit profile.
Full details
Rewards & Perks
| Rewards rate | 1x-4x |
| Rewards type | Points |
| Bonus categories | 4x on dining4x on groceries3x on travel |
| Welcome offer | 60,000 points |
| Offer requirements | after $6,000 spend in first 6 months |
Fees & APR
| Annual fee | $250/year |
| Intro APR (purchases) | N/A |
| Ongoing APR | See terms |
| Foreign transaction fee | None |
Eligibility
| Recommended credit score | 670-850 |
Frequently asked questions
What credit score do I need?
This card typically requires a 670-850 credit score. Building or maintaining good credit before applying improves your approval odds.
Are there foreign transaction fees?
No — this card has no foreign transaction fee, making it an excellent choice for international travel and purchases.
How do I earn the welcome offer?
after $6,000 spend in first 6 months
Can I product-change or upgrade this card?
Many issuers allow product changes within the same card family. Contact the issuer directly after 12 months of card membership to ask about upgrade options.
American Express® Gold Card