Best For
Rewards Rate - Points
- 4x Restaurants worldwide
- 4x U.S. supermarkets (≤ $25k/yr, then 1x)
- 3x Flights (airlines or Amex® Travel)
- 2x Hotel Collection via Amex® Travel
- 1x Other purchases
- Intro offer
- Up to 100,000 points after $6,000 in purchases within the first 6 months
- Annual fee
- $325
- Regular APR
- 21.24% – 29.24% Variable APR
- Recommended credit
- 700–850 (Good to Excellent)
- Travel Perks
- Rental Car Insurance, Travel Insurance
Highlights
- Elevated Membership Rewards® earn at restaurants worldwide and at U.S. supermarkets (up to an annual cap).
- Monthly statement credits with select dining partners (enrollment required; terms apply).
- Monthly Uber Cash when you add your card to the Uber app (terms apply).
- Access to valuable airline and hotel transfer partners via Membership Rewards®.
Who is this card good for?
- Food‑forward households that dine out and shop frequently at U.S. supermarkets.
- Travelers who value flexible points for premium cabin redemptions.
- Users who will reliably use the monthly credits.
Pointalize Opinion
Pros
- Category‑leading returns on dining and groceries.
- Strong transfer partners enable high‑value travel.
- Credits can offset much of the annual fee if used.
Cons
- Credits are fragmented across months and require activation.
- Fewer built‑in travel protections than some premium cards.
Pointalize Final Thoughts
The Amex Gold is a top everyday earner for food lovers—backed by flexible, high‑value points. If you’ll use the monthly credits, it’s a long‑term keeper.