American Express Gold Card review
A strong pick if you spend a lot on dining and groceries, where it's among the top three of the 106 cards we track.
- Updated October 16, 2026
- $325 annual fee
- Earns Amex Membership Rewards
- 106 cards compared
Who it suits
American Express Gold Card
- #2 of 106 for dining: $6.00 back on $100 (6%). The bonus rate covers up to $50,000 of spend a year.
- #2 of 106 for groceries: $6.00 back on $100 (6%). The bonus rate covers up to $25,000 of spend a year.
- It costs $325 a year, and Chase Freedom Flex, with no annual fee, earns as much or more on dining right now.
Rates change, so verify them with the issuer before you apply.
See if it beats your cards on diningWhere it earns the most
What it earns on a $100 purchase in each category, and where that places it among the 106 cards we track.
| Category | On $100 | Rank |
|---|---|---|
| Dining | $6.00 6% | #2 of 106 |
| Groceries | $6.00 6% | #2 of 106 |
| Gas | $1.50 1.5% | #64 of 106 |
| Travel | $1.50 1.5% | #41 of 106 |
| Airfare | $4.50 4.5% | #4 of 106 |
| Hotels | $1.50 1.5% | #47 of 106 |
| Transit | $1.50 1.5% | #51 of 106 |
| Streaming | $1.50 1.5% | #39 of 106 |
| Drugstores | $1.50 1.5% | #30 of 106 |
| Online shopping | $1.50 1.5% | #30 of 106 |
| Wholesale clubs | $1.50 1.5% | #28 of 106 |
| Everything else | $1.50 1.5% | #27 of 106 |