Card Economics

Card type: PersonalForeign transaction fee: NoneCurrency: American Express Membership Rewards

Amex Gold

Sign-up Bonus

You may be eligible for as high as 100K points after $8K spend in the first 6 months

5XPrepaid hotels booked through Amex Travel7.5%

4XDining (up to $50K per year, then 1X)6%

4XUS Grocery Stores (up to $25K per year, then 1X)6%

3XFlights booked directly with airlines or through Amex Travel4.5%

1XAll other purchases1.5%

Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.

What this card returns on each page, priced against what its points are worth. Open a page to see the card it crowns and why.

Credits & Perks (5)

Dining: $10 (Monthly)
Valid at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. Enrollment required.
Dunkin': $7 (Monthly)
Enrollment required
The Hotel Collection: $100 (Annual Calendar Year)
Book two nights or more at The Hotel Collection through Amex Travel to receive a $100 credit towards eligible charges
Resy: $50 (Semi Annual Calendar Year)
Enrollment required. Statement credit for dining purchases at Resy restaurants
Uber Cash: $10 (Monthly)
Applied to your Uber account each month on the 1st and must be used in that month. An Amex card must be selected as your payment method in the Uber app to spend the Uber Cash.

Elite Status (1)

Protections (6)

Travel Accident Insurance — up to $100,000 — Up to $100,000 accidental death and dismemberment coverage when full fare charged to card
Trip Delay — up to $300 — Up to $300 per trip delayed 12+ hours, max 2 claims per 12 months. Covers meals, lodging, and essential items.
Baggage Insurance — Covers lost, damaged, or stolen baggage on common carriers. Up to $1,250 for carry-on baggage and up to $500 for checked baggage, per person, in excess of coverage provided by the common carrier.
Purchase Protection — up to $10,000 — 90 days coverage for accidental damage, theft, or loss, up to $10,000 per occurrence, $50,000 per calendar year
Extended Warranty — up to $10,000 — Extends manufacturer's warranty by up to 1 additional year for warranties of 5 years or less, up to $10,000 per item, $50,000 per account per year
Car Rental Insurance (secondary) — up to $50,000 — Secondary coverage for rental car damage or theft, up to $50,000 for most rentals up to 30 days

Global Assist Hotline: 24/7 emergency assistance including medical and legal referrals, emergency cash wires, and luggage assistance while traveling