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CardMath

All cards / American Express

American Express

American Express Gold

CardMath coverage focuses on reward-category math, listed credits, enrollment or merchant restrictions, and the difference between a stated credit and value you would actually use.

Run your numbers

Current issuer termshttps://www.americanexpress.com/us/credit-cards/card/gold-card/

Verified product data

Current facts in the source-of-truth

Verified 2026-10-11

Annual fee
$325 annual fee; no introductory annual-fee waiver shown. Up to 5 Additional Cards have no annual fee; 6th and later are $35 each.
Rewards
4X Membership Rewards points at restaurants worldwide on up to $50,000 per calendar year, then 1X; 4X at U.S. supermarkets on up to $25,000 per calendar year, then 1X; 5X on prepaid hotels booked through AmexTravel.com/Amex Travel App; 3X on flights booked through AmexTravel.com/Amex Travel App or directly with airlines; 2X on prepaid car rentals booked through AmexTravel.com/Amex Travel App and cruises booked and paid through AmexTravel.com. 1X Membership Rewards points on all other eligible purchases.
Welcome offer
Amex's card page doesn't list a fixed welcome offer for this card. Any offer is shown to you individually before you accept the Card, offers vary, and you may not be eligible for one.
APR / fee notes
Pay Over Time APR 19.74%–28.74% variable on eligible charges. No intro APR shown on the Gold welcome panel. Foreign transaction fee: none. Cash advance fee and late/returned payment fees per Rates and Fees table.

Perks, as listed by American Express

  • Dining Credit

    up to $10/month ($120/year)

    when paying with the Card at listed partners (Grubhub/Seamless, Buffalo Wild Wings, Five Guys, The Cheesecake Factory, Wonder); enrollment required

  • Uber Cash

    $10/month ($120/year)

    after adding the Card to your Uber account; used on U.S. rides and orders when an Amex Card is selected for the transaction

  • Resy Credit

    up to $50 Jan–Jun and up to $50 Jul–Dec ($100/calendar year)

    for eligible purchases paid with the Card at qualifying U.S. Resy restaurants; enrollment required

  • Dunkin' Credit

    up to $7/month ($84/year)

    when paying with the Card at U.S. Dunkin' locations; enrollment required

  • The Hotel Collection

    $100 credit

    toward eligible charges on bookings of 2+ nights through AmexTravel.com or the Amex Travel App; property/eligible-charge limits apply

Verified 2026-10-11

What CardMath examines

The math and rules

  • Membership Rewards earning as listed for dining and groceries
  • Credits that require enrollment or a named merchant
  • How to separate a listed credit from cash in your pocket
CardMath method