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At Pointalize, we simplify the process by highlighting cards that deliver the strongest rewards, biggest bonuses, and best value for everyday spending. Whether you’re just starting out or looking to maximize premium benefits, our curated picks are designed to help you find the perfect fit for your wallet.
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.