Amex Gold
American Express$325 a yearNo foreign transaction feeIssuer's page
Already have it? Keep it.
Welcome bonus
Up to100,000points
after $8,000 in purchases in the first 6 months
Once in a Lifetime Rule, 1 per 5 Days and 3 more. Am I eligible?
At the advertised maximum.
| First-year value | Amount |
|---|---|
| Welcome bonus (up to)100,000 points at 1.5¢ | $1,500 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$422 |
| The Hotel Collectionof $100 face value | +$57 |
| Annual fee | −$325 |
| Meeting the $8,000 minimumearns 1.5% here vs 2% on Double Cash | −$40 |
| First year at the advertised maximum | $1,614 |
| Each year after | +$274 |
Not counted in the first year: protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 4X | US Grocery Storesup to $25K per year, then 1X | 6% |
| 4X | Diningup to $50K per year, then 1X | 6% |
| 3X | Flights booked directly with airlines or through Amex Travel | 4.5% |
| 5X | Prepaid hotels booked through Amex Travel | 7.5% |
| 1X | Everything else | 1.5% |
Noteworthy perks
- The Hotel Collection$100 a year
Personal card · Earns American Express Membership Rewards · Authorized user fee $0
Where this card ranks
- Tied best card for groceries6.0%
- Listed among 147 cards for dining6.0%
- Listed among 91 cards for flights4.5%
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.
Benefits
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)
- Hertz Gold Plus Rewards: Five Star
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
Other Perks
- Global Assist Hotline: 24/7 emergency assistance including medical and legal referrals, emergency cash wires, and luggage assistance while traveling
The American Express Personal Premium family
Amex Classic Green$150/yrCompare Amex Classic Green with this card
Amex Platinum$895/yrCompare Amex Platinum with this card
Platinum Card for Morgan Stanley$895/yrCompare Platinum Card for Morgan Stanley with this card
Platinum Card for Schwab$895/yrCompare Platinum Card for Schwab with this card
Centurion Card (Black Card)$5,000/yrCompare Centurion Card (Black Card) with this card
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to no_preset_limitOct 11, 2026
- changed from null to Amex GoldOct 8, 2026
- changed from 5 authorized users free, then $35 per additional card to 0Sep 30, 2026
- changed from null to The first five Additional Cards are free; each one after that is $35 a year.Sep 30, 2026
- changed from null to chargeSep 2, 2026
- changed from Slug: american-express-green-card; Tier: 1; Tier name: Green; Slug: the-platinum-card-from-american-express; Tier: 3; Tier name: Platinum; Slug: the-platinum-card-from-american-express-exclusively-for-morgan-stanley; Tier: 3; Tier name: Platinum Morgan Stanley; Slug: the-platinum-card-from-american-express-for-schwab; Tier: 3; Tier name: Platinum Schwab; Slug: american-express-centurion-card-black-card; Tier: 4; Tier name: Centurion to Slug: american-express-classic-green-card; Tier: 1; Tier name: Green; Slug: the-platinum-card-from-american-express; Tier: 3; Tier name: Platinum; Slug: the-platinum-card-from-american-express-exclusively-for-morgan-stanley; Tier: 3; Tier name: Platinum Morgan Stanley; Slug: the-platinum-card-from-american-express-for-schwab; Tier: 3; Tier name: Platinum Schwab; Slug: american-express-centurion-card-black-card; Tier: 4; Tier name: CenturionAug 20, 2026
- changed from null to 8000Aug 13, 2026
- changed from null to 180Aug 13, 2026