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The American Express® Gold Card is a premium rewards card that has become especially popular among food lovers and everyday spenders. It offers an outstanding 4x Membership Rewards® points at restaurants worldwide and 4x points at U.S. supermarkets (on up to $25,000 annually, then 1x). It also gives 3x points on flights booked directly with airlines or Amex Travel, plus 1x on everything else.
The Amex Gold is designed for those who want rich rewards on food and everyday essentials. With its unique combination of dining and supermarket rewards, it stands out as one of the most rewarding cards for households and frequent diners.
What Is The American Express® Gold Card?
The Amex Gold is part of American Express’s Membership Rewards® lineup. Its standout features are 4x points at restaurants worldwide and 4x points at U.S. supermarkets (on up to $25,000 in annual spending). This aligns with consumer spending habits, making it ideal for families and individuals who prioritize food in their budgets.
In addition, it earns 3x on flights and offers perks like up to $120 in annual dining credits (enrollment required). Points are redeemable for travel, gift cards, or transfers to airline and hotel partners.
EARN POINTS ON FOOD AND EVERYDAY SPENDINGMain Benefits
- 🍽️ 4x points at restaurants worldwide
- 🛒 4x points at U.S. supermarkets (up to $25,000 annually, then 1x)
- ✈️ 3x points on flights booked directly with airlines or Amex Travel
- 💳 1x points on other purchases
- 💵 Up to $120 annual dining credit at select partners
- 🎁 Welcome bonus for new cardholders (varies)
- 🌍 Airline and hotel transfer partners for maximum point value
- 🛡️ Travel and purchase protections
Who Can Apply
The Amex Gold is intended for U.S. residents with good to excellent credit. Because it comes with an annual fee, applicants should be confident they will maximize the 4x categories. Frequent diners, families with large grocery budgets, and those who travel occasionally will benefit most.
Fees And Rates
- 💰 Annual fee required
- 💸 Variable APR depending on creditworthiness
- 🌎 Foreign transaction fees waived (good for international dining)
- 💵 Balance transfer and cash advance fees
How Points Work
Membership Rewards® points are earned per dollar spent in each category. At restaurants and supermarkets, the 4x rate quickly adds up for frequent spenders. Points can be redeemed for travel bookings through Amex, statement credits, gift cards, or transferred to airline/hotel partners for higher value.
Why It Stands Out
The Amex Gold stands out by aligning directly with consumer spending patterns. Few cards reward both dining and supermarkets at such high rates. The annual dining credit also offsets part of the annual fee, making it easier to justify. For food enthusiasts and households, it is one of the most lucrative cards available.
EARN POINTS ON FOOD AND EVERYDAY SPENDINGFAQ – Frequently Asked Questions
1. What is the annual fee?
It has an annual fee that is offset by credits and rewards.
2. How many points do I earn at restaurants?
4x worldwide on dining.
3. What about supermarkets?
4x on U.S. supermarkets, up to $25,000 per year.
4. Do I earn points on flights?
Yes, 3x when booked with airlines or Amex Travel.
5. What is the base earning rate?
1x on all other purchases.
6. Does it include dining credits?
Yes, up to $120 per year at select partners.
7. Do points expire?
No, points do not expire while the account is active.
8. Can I transfer points?
Yes, to many airline and hotel partners.
9. What credit score is recommended?
Good to excellent credit.
10. Does it have foreign transaction fees?
No, it does not.
Conclusion
The American Express® Gold Card is one of the strongest rewards cards for food-focused consumers. Its 4x earning structure on both dining and supermarkets creates unmatched value for everyday spending.
While the annual fee may deter some, the combination of dining credits, travel perks, and Membership Rewards® flexibility often outweighs the cost. Families and frequent diners can easily maximize the card’s rewards potential.
In short, the Amex Gold is an excellent choice for those who want powerful rewards on categories they already spend heavily in. With Amex’s protections and global acceptance, it stands as a premium but practical option for long-term use.