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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. Current figures stay gated by verification.
Verified product data
Current facts in the source-of-truth
Verified 2026-08-26
- Annual fee
- $325
- Rewards
- 4x restaurants worldwide up to $50,000 per year; 4x U.S. supermarkets up to $25,000 per year; 5x prepaid hotels through Amex Travel; 3x eligible flights; 2x eligible prepaid car rentals and cruises through Amex Travel; 1x other eligible purchases.
- Key credits
- Up to $120 dining, $120 Uber Cash, $100 Resy, and $84 Dunkin' annually. Enrollment, monthly or semiannual timing, merchant, and use restrictions apply.
- Welcome offer
- As high as 100,000 Membership Rewards points after $8,000 in purchases in the first 6 months.
- APR / fee notes
- 19.49%–28.49% variable APR on eligible Pay Over Time charges.
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What CardMath examines
The math and rules, not a verdict
- 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
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