Amex Gold
$325/year, earning Membership Rewards Points, on the American Express network.
Card terms last verified against issuer pages on 2026-09-20.
The Amex Gold is a $325/year card from American Express earning Membership Rewards Points. It earns 5x on hotel (amextravel), 4x on dining, 4x on grocery and 1x on everything else. It carries 4 recurring statement credits worth $424 a year, listed in full below with the cap and reset date for each.
Welcome bonus
Welcome offers change frequently and are often targeted. Confirm the current offer on the issuer's own application page before applying.
What it earns
Rates are the multipliers American Express advertises. We do not convert them into a percentage return, because that requires putting a price on Membership Rewards Points and that price is a judgement, not a fact — see how we source this.
| Category | Rate | Notes |
|---|---|---|
| Hotel (AmexTravel) | 5x | Booked through the American Express travel portal |
| Dining | 4x | |
| Grocery | 4x | |
| Airlines | 3x | |
| Travel | 2x | |
| Other | 1x | Everything else |
Statement credits
$424 a year across 4 credits against a $325 annual fee. The columns that matter are the cap and the reset date: a credit paid monthly cannot be saved up, and one that resets on the calendar year expires on 31 December no matter when you opened the card.
Other perks
Benefits that are not dollar statement credits — certificates, lounge visits, point bonuses. Where a value appears it is an estimate, not an amount the issuer credits you, and it is excluded from the credits total above.
| Perk | How often | Estimated value |
|---|---|---|
| Hotel Collection$100 experience credit and premium benefits when booking 2+ nights through AmexTravel.com Hotel Collection | Once a year | ~$100 |
Status and included memberships
- Hertz Five Star Status — Complimentary Hertz Five Star Status. Benefits include guaranteed upgrades when available, expedited service, and bonus reward points on rentals.
Protections and insurance
Coverage terms below are summaries. Insurance benefits are governed by a separate guide to benefits document from the issuer, and the exclusions in that document are what actually decide a claim.
- Travel Insurance — Trip delay, baggage, car rental loss/damage, purchase protection, extended warranty coverage
Questions people ask about the Amex Gold
What is the annual fee on the Amex Gold?
The Amex Gold has a $325 annual fee.
What statement credits does the Amex Gold include?
It carries 4 recurring statement credits worth $424 a year in total: $10 Monthly Dining Credit ($10 monthly, resets on the cardmember year); $10 Monthly Uber Credit ($10 monthly, resets on the cardmember year); $100 Resy Credit ($50 twice a year, resets on the cardmember year); $7 Monthly Dunkin Credit ($7 monthly, resets on the cardmember year). Verified 2026-09-20.
What does the Amex Gold earn?
4x on dining, 4x on grocery, 3x on airlines, 2x on travel, and 1x on everything else, in Membership Rewards Points.
Is the Amex Gold worth the annual fee?
Its recurring statement credits total $424 a year against a $325 fee, so the card pays for itself on credits alone if you use 77% of them. Whether that holds depends on whether the specific merchants suit you — the credit table on this page lists each one.
Does the Amex Gold charge foreign transaction fees?
No — the Amex Gold has no foreign transaction fee.
Other American Express cards
Amex Blue Cash Everyday
Amex Blue Cash Preferred
