American Express
American Express Gold Card
Premium dining and grocery rewards card with excellent earning rates.
rewards
travel
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Updated February 23, 2026
Key Details
Annual Fee
$325
APR
Always pay your balance in full each month to avoid interest charges. Use credit responsibly.
19.49% - 28.49%
Welcome Bonus
Up to 100,000 points
Spend $6,000 in first 6 months
Credit Needed
good
690+ credit score
Rewards Structure
Restaurants4x
Worldwide, on up to $50K in purchases per calendar year
Everyday Purchases1x
Flights3x
When booked directly with airlines
Flights - Travel Portal3x
When booked through the Amex travel portal
Groceries4x
At U.S. supermarkets, on up to $25K in purchases per calendar year
Travel Portal2x
When booked through the Amex travel portal
Includes prepaid hotels, prepaid rental cars, prepaid short-term rentals, cruises
Card Benefits
credits
insurance
other
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Transfer Partners
airlines
Transfer ratios indicate the conversion rate when moving points to partners. A 1:1 ratio means you get 1 airline mile for every 1 credit card point transferred.
Aer Lingus AerClub1:1
Aeromexico - Club Premier5:8
Air Canada Aeroplan1:1
Air France / KLM - Flying Blue1:1
ANA Mileage Club1:1
Avianca LifeMiles1:1
British Airways Club1:1
Cathay Pacific Asia Miles1:1
Delta SkyMiles1:1
Emirates Skywards5:4
Etihad Guest1:1
Iberia Plus1:1
JetBlue TrueBlue5:4
Qantas Frequent Flyer1:1
Qatar Airways Privilege Club1:1
Singapore Airlines KrisFlyer1:1
Virgin Atlantic Flying Club1:1
hotels
Choice Privileges1:1
Hilton Honors1:2
Marriott Bonvoy1:1