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Limited-time offer and new foodie benefits from the American Express Gold Card

Kendall Little
·Senior Writer, Credit Cards
Updated 4 min read

The American Express? Gold Card is getting a revamp that’s bound to further cement its role as the credit card for foodies.

Amex Gold is already one of our favorite rewards credit cards for dining and travel. Not only does it offer some of the highest rewards rates you’ll find today at restaurants and supermarkets, but its added benefits, Membership Rewards? program access, and more add to the card’s ongoing value.

Here’s a breakdown of everything Amex Gold has to offer — including new statement credits, a limited-time welcome offer, and increased fee.

  • Annual fee
    $325
  • Welcome offer
    Earn 60,000 Membership Rewards? points after you spend $6,000 on eligible purchases in the first 6 months, plus 20% back on restaurant spending worldwide (up to $100 in statement credits) for new cardmembers through November 6, 2024
  • Card type(s)
    Travel, Rewards
  • Ongoing Purchases APR
    See Pay Over Time APR
  • Recommended credit score
    Excellent/Good
  • Rewards rate
    • 4x Membership Rewards Points at restaurants worldwide (on up to $50,000 per calendar year in purchases, then 1x)
    • 4x Membership Rewards points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1x)
    • 3x Membership Rewards points on flights booked directly with airlines or on AmexTravel.com
    • 2x Membership Rewards points on prepaid hotels and other eligible purchases booked on AmexTravel.com
    • 1x Membership Rewards points on all other eligible purchases
  • Benefits
    • NEW: Five Guys is now eligible for $120 Dining Credit. Earn up to $10 in statement credits each month when you pay with your American Express Gold Card at Five Guys, Grubhub, The Cheesecake Factory, Goldbelly, and Wine.com (enrollment required)
    • NEW: Up to $100 in annual statement credits ($50 semi-annually) when you use your American Express Gold Card on eligible purchases at U.S. restaurants on the Resy app or Resy.com
    • NEW: Up to $84 per year ($7/month) in statement credits after using your American Express Gold Card to pay at more than 9,000 Dunkin’? locations nationwide

As a new cardholder, the limited-time offer features both a solid points bonus and savings for restaurant-goers, which can help boost your first-year value from Amex Gold.

And if you find the card's sleek look especially appealing, you can now choose a limited edition white gold card design (while supplies last) in addition to the standard gold and rose gold versions. The white gold card design is also available for the American Express? Business Gold Card.

Related: Limited-time offer: Earn 100K points for future travels with the Amex Business Gold

Here’s a look at all the new benefits Amex Gold cardholders can now access:

  • $100 Resy credit: Up to $50 in statement credits semi-annually for purchases at U.S. restaurants on the Resy app or Resy.com (with enrollment)

  • $84 Dunkin credit: Up to $7 per month in statement credits for purchases at Dunkin locations (with enrollment)

  • Five Guys now eligible for $120 Dining Credit: Up to $10 per month in statement credits on eligible purchases at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, or Five Guys (with enrollment)

  • New hotel options in The Hotel Collection: Get a $100 experience credit when you book an eligible stay with The Hotel Collection (1,000 global properties, with 300 added this year) through Amex Travel

In addition to the new benefits above, you’ll still get $120 in Uber Cash credits (up to $10 per month; with enrollment) for Uber rides or Uber Eats purchases, plus 4x Membership Rewards points on Uber Eats purchases. (Note: You must have the latest version of the Uber App downloaded and your eligible American Express Gold Card must be a method of payment in your Uber account. This benefit may only be used in the United States.)

The revamped American Express Gold Card comes with an increased annual fee. You’ll now pay $325 for the card each year, a $75 hike from the previous $250 fee (see rates & fees).

The higher annual fee applies to both new and existing cardholders. If you already have an Amex Gold, the new fee kicks in on your renewal date, beginning Oct. 1, 2024.

With a $325 annual fee, the Amex Gold card isn’t for everyone. Still, it’s still one of our favorite cards for travelers who want to earn maximum rewards on food spending.

But like any new card, you should do the math to decide whether the American Express Gold Card fits your regular spending before you apply.

Based on points value, you could make up the fee cost by spending $8,125 annually on combined restaurant and supermarket purchases, equal to $677 per month. At a rate of 4x points per dollar (assuming a standard redemption rate of $0.01 per point), you’ll earn $325 in rewards value, before accounting for your points earned from 3x on flights or 1x on non-category spending.

Beyond that, you’ll also get up to $424 in statement credits each year from the Gold Card’s annual benefits. This can surpass the annual fee cost on its own, as long as you’re able to use all of the available statement credits. However, if you don’t have any restaurants in your area on the Resy app or use Uber for ridesharing, for example, this can be much more difficult to maximize.

The other thing to consider is how often you travel — and how you like to travel. Though you can use its dining credits, restaurant rewards, and supermarket rewards at home, much of this card’s value also comes from travel spending. It earns 3x Membership Rewards points on eligible flight purchases, offers experience credits for eligible hotel stays through The Hotel Collection, and gets the best redemption rate when you use points to book future travel.

If you don’t travel often or you’re not sure you’ll be able to maximize the Amex Gold credits, you might instead consider a no-annual-fee cash-back card with similar rewards on dining and groceries, but without the added cost.

But for frequent travelers who can maximize all the Amex Gold has to offer — with enough value to offset the steep annual fee — this card can help you save on travel costs while making the most of your regular spending.

This article was edited by Rebecca McCracken

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