Dining + groceries
American Express® Gold Card
The dining and grocery card that actually pays for itself.
Built for couples who eat out twice a week and refuse to give up Whole Foods.
Apply on americanexpress.com →Referral link · we earn a bonus when approved
01 The welcome offer
Bonus
60,000 Membership Rewards points
Spend requirement
after $6,000 in purchases in the first 6 months
Estimated value
≈ $900 in travel value
02 What you earn
| Rate | Category |
|---|---|
| 4× | Restaurants worldwide (incl. takeout & delivery in the US) |
| 4× | U.S. supermarkets (up to $25K/yr, then 1×) |
| 3× | Flights booked direct or through Amex Travel |
| 1× | All other eligible purchases |
03 The benefits worth using
- $120 Uber Cash annually ($10/month)
- $120 Dining Credit annually ($10/month at select partners)
- $100 Resy Credit annually ($50 every 6 months)
- No foreign transaction fees
- Trip delay insurance + baggage insurance
04 Fees & APR
| Annual fee | $325 |
|---|---|
| Purchase APR | 21.24% – 29.24% variable |
| Foreign transaction fee | None |
| Cash advance APR | 29.99% variable |
Variable APR. Rate set at account opening based on creditworthiness.
05 Who this card is actually for
Best for
- Households that spend > $5K/yr on groceries
- Frequent diners who'll actually use the monthly credits
- Travelers who want strong points but don't need lounge access
Not for
- Anyone who never eats out or shops at U.S. supermarkets
- Travel-only spend — Platinum's flight multiplier is higher
Ready to apply?
60,000 Membership Rewards points
after $6,000 in purchases in the first 6 months.
06 The other two we cover
Disclosures
- Welcome offer subject to change. See application page for current terms.
- Monthly Uber Cash and Dining Credits do not roll over; use them or lose them.
- All Amex card benefits are subject to additional terms; visit americanexpress.com for full details.
Last updated: 2026-05-05. Card terms change frequently — always verify on americanexpress.com before applying.