American Express® Gold Card
American Express Gold CardPersonalized welcome offer: up to 100,000 MR points
Make $8,000 in eligible purchases within the first 6 months from account opening. Previous holders of Gold, Premier Rewards Gold, Platinum, Schwab/Morgan Stanley Platinum or earlier versions may be ineligible. Your individual reward is disclosed after submitting the application but before accepting the card; it may be below the maximum or no offer may be available. Eligible net purchases on primary and additional cards are combined, after refunds/credits. Fees, interest, travelers checks, prepaid cards/reloads, gift cards, person-to-person transfers and cash equivalents do not qualify. Allow 8–12 weeks after qualification; the account must not be closed or past due at posting. Card-delivery or merchant-submission delays shorten the available period, and payments may take several days to restore spending capacity. Balance transfers, cardholding and account-opening/closing history also affect eligibility. Abuse/returns may result in frozen or reclaimed points and account closure. The offer applies only to the advertising channel shown, is nontransferable and may be changed/withdrawn at any time. No fixed end date is listed; MR values and redemption partners may change, and points are not fixed-value cash.
12-MONTH WELCOME OFFER HISTORY
Past-year welcome offer history and recorded ranges
Maximum points maintained (spending threshold increased to $8k)
Offer last reviewed: (same offer channel; the full history has not been reverified). Browsing date (your device): . The browsing date is not a new verification date. Entries below retain their original recorded dates.
View past-year welcome offer details3 records
Decision considerations
Over the past 1 year, the maximum stayed at 100,000 points, personalized and not guaranteed. From 2026/4, the spending threshold rose from $6,000 to $8,000. Finding a 100,000-point offer is the recommended application opportunity.
| Period | Welcome offer | Spending requirement | Status and notes |
|---|---|---|---|
| 2025/09/14–2026/04 | Up to 100,000 points | $6,000 in the first 6 months | Personalized maximum, not guaranteed: spend $6,000 within 6 months after approval. |
| 2026/04–2026/08 | Up to 100,000 points | $8,000 in the first 6 months | From 2026/4, the spending threshold increased to $8,000; the maximum remains 100,000 points, personalized and not guaranteed. |
| 2026/09/01–present (browsing as of )Original record: 2026/09/01–2026/09/13 (recorded check date)Current record | Up to 100,000 points | $8,000 in the first 6 months | Recorded current offer: a personalized, non-guaranteed maximum of 100,000 points after $8,000 in the first 6 months. |
Membership Rewards® value calculator
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Why consider this card for your wallet?
| Benefit | Amex Gold Card | General cash-back card (1.5%) |
|---|---|---|
| Welcome reward | ✓ Up to 100,000 MR points (estimated value about $2,000) | ✗ Usually about $200 cash back |
| Dining rewards | ✓ 4x points at restaurants worldwide (up to about 8% in rewards) | ✗ 1.5% cash back |
| Supermarket rewards | ✓ 4x points at U.S. supermarkets (up to about 8% in rewards) | ✗ 1.5% cash back |
| Annual dining benefits | ✓ Up to $424 in annual credits (Uber, Resy and others) | ✗ No spending credits |
| Foreign transaction fee | ✓ $0 (no foreign transaction fee) | ✗ Usually a 3% fee |
Rewards and everyday benefits
- 4X Points on Restaurants WorldwideEligible restaurants worldwide earn 4X on the first $50,000 each calendar year, then 1X. Restaurants inside other establishments, restaurant events/tickets, third-party delivery outside the U.S., bars, nightclubs, cafeterias, catering, theater clubs, breweries, bakeries and conference venues may not qualify. Eligible net purchases on primary and additional cards exclude refunds. Fees, interest, cash advances, person-to-person transfers, gift cards, travelers checks, prepaid cards and cash equivalents do not qualify. Merchant classification and data determine eligibility; third-party/digital-wallet transactions may not earn bonus points. Points post in 8–12 weeks; bonus rates do not stack with other bonus offers.
- 4X Points at U.S. SupermarketsU.S. supermarkets earn 4X on the first $25,000 each calendar year, then 1X. Superstores, convenience stores, warehouse clubs and meal-kit deliveries are excluded; not all food purchases qualify. Eligible net purchases on primary and additional cards exclude refunds. Fees, interest, cash advances, person-to-person transfers, gift cards, travelers checks, prepaid cards and cash equivalents do not qualify. Merchant classification and data determine eligibility; third-party/digital-wallet transactions may not earn bonus points. Points post in 8–12 weeks; bonus rates do not stack with other bonus offers.
- 5X Points on Prepaid HotelsEarn 5X only on prepaid hotels booked through Amex Travel, not all hotels. Non-prepaid hotels do not qualify. Eligible net purchases on primary and additional cards exclude refunds. Fees, interest, cash advances, person-to-person transfers, gift cards, travelers checks, prepaid cards and cash equivalents do not qualify. Merchant classification and data determine eligibility; third-party/digital-wallet transactions may not earn bonus points. Points post in 8–12 weeks; bonus rates do not stack with other bonus offers.
- 3X Points on FlightsEarn 3X on scheduled flights purchased directly from passenger airlines or through Amex Travel. Charter/private flights are excluded; this does not cover all travel spending. Eligible net purchases on primary and additional cards exclude refunds. Fees, interest, cash advances, person-to-person transfers, gift cards, travelers checks, prepaid cards and cash equivalents do not qualify. Merchant classification and data determine eligibility; third-party/digital-wallet transactions may not earn bonus points. Points post in 8–12 weeks; bonus rates do not stack with other bonus offers.
- 2X Points on Prepaid Car Rentals & CruisesEarn 2X on prepaid car rentals through the AmexTravel website/app and on cruises booked and paid for through the AmexTravel website. Non-prepaid car rentals, non-prepaid hotels, ticketing services and other fees do not receive this bonus rate. Eligible net purchases on primary and additional cards exclude refunds. Fees, interest, cash advances, person-to-person transfers, gift cards, travelers checks, prepaid cards and cash equivalents do not qualify. Merchant classification and data determine eligibility; third-party/digital-wallet transactions may not earn bonus points. Points post in 8–12 weeks; bonus rates do not stack with other bonus offers.
- 1X Points on All Other PurchasesOther eligible net purchases earn 1X; MR points are not equivalent amounts of U.S. dollar cash. Eligible net purchases on primary and additional cards exclude refunds. Fees, interest, cash advances, person-to-person transfers, gift cards, travelers checks, prepaid cards and cash equivalents do not qualify. Merchant classification and data determine eligibility; third-party/digital-wallet transactions may not earn bonus points. Points post in 8–12 weeks; bonus rates do not stack with other bonus offers.
- $120 Dining CreditUp to $10 monthly, totaling $120 per calendar year, for eligible direct dining payments in the U.S. at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, Cheesecake Factory and Wonder. Gift cards/merchandise, locations inside other establishments, third parties and some digital wallets may be ineligible; subscriptions may renew automatically. The primary cardholder or authorized account manager must enroll first. Primary and additional cards share the account limit; Classic/Traditional/Senior Gold are excluded. Merchant submission dates and data determine eligibility. Product changes, account closure/delinquency may make purchases ineligible; refunds, cancellations or abuse may result in reversal. Allow up to 8 weeks for credits.
- $120 Uber CashLink the card to your Uber account to receive $10 in Uber Cash each month, totaling $120 annually, for Uber rides or Uber Eats orders in the United States.
- $100 Resy CreditUp to $50 in each half of the year, totaling $100 per calendar year, for direct purchases at U.S. Resy merchants marked eligible at payment, or through the Resy website/app/Resy Pay. From 2026/09/15, this includes prepayments/deposits at U.S. merchants through the Tock website/app. Enrollment may take 24 hours. Software and Resy Amex gift cards are excluded; other gift cards, delivery, catering and third-party events may not qualify. The primary cardholder or authorized account manager must enroll first. Primary and additional cards share the account limit; Classic/Traditional/Senior Gold are excluded. Merchant submission dates and data determine eligibility. Product changes, account closure/delinquency may make purchases ineligible; refunds, cancellations or abuse may result in reversal. Allow up to 8 weeks for credits.
- $84 Dunkin' CreditUp to $7 monthly, totaling $84 per calendar year, for eligible purchases directly from U.S. Dunkin locations accepting Amex. Online gift cards and Dunkin merchandise/gift cards sold by other retailers are excluded. Delivery platforms and locations inside airports, gas stations or other establishments may not qualify. The primary cardholder or authorized account manager must enroll first. Primary and additional cards share the account limit; Classic/Traditional/Senior Gold are excluded. Merchant submission dates and data determine eligibility. Product changes, account closure/delinquency may make purchases ineligible; refunds, cancellations or abuse may result in reversal. Allow up to 8 weeks for credits.
- Complimentary Hertz Five Star® StatusReceive complimentary Hertz Five Star® status for rental benefits and vehicle upgrades. Enrollment is required.
- No Foreign Transaction FeesNo foreign transaction fee on overseas travel or cross-border online purchases.
- The Hotel CollectionBook at least two consecutive nights at participating hotels through AmexTravel for a room upgrade, subject to availability, and a $100 hotel experience credit.
- Trip Delay InsuranceTrip delay insurance: pay the full round-trip fare with this card. Delays exceeding 12 hours for a covered reason may qualify for reimbursement under the coverage limit.
- Baggage Insurance PlanBaggage insurance: pay the full fare with this card when traveling on common carriers such as planes or trains. Lost, damaged or stolen baggage may qualify for reimbursement.
- Car Rental Loss and Damage InsuranceRental collision coverage: secondary CDW is included. Paid enrollment in Premium Car Rental Protection is an optional upgrade to primary coverage.
- Purchase ProtectionPurchase protection: eligible purchases stolen, accidentally damaged or lost within 90 days of purchase may qualify for claims under the terms. Limits are $10,000 per item and $50,000 per card per calendar year, with a $500 limit per natural-disaster occurrence. Eligible payment amounts, replacement costs and exclusions apply; not every item is covered.
- Extended WarrantyExtended warranty: the original written manufacturer warranty must be valid in the United States, and its combined term with any applicable service contract must not exceed 60 months. Eligible purchases may receive up to 12 additional months, limited to $10,000 per item and $50,000 per card per calendar year. Payment amounts, replacement costs and exclusions apply; this is not general accidental-damage coverage. Separate duration rules apply if the original warranty or service contract ends early.
- Venue Collection & Amex Special Ticket AccessAccess advance ticket purchases and dedicated entry lanes or dining discounts at selected sports venues. Specified purchases receive a 10% credit, up to $250 annually.
Frequently asked questions and card tips
Gold has a $325 annual fee, with $120 in Uber Cash, $120 in dining credits, $100 in Resy restaurant credits and $84 in Dunkin' credits annually, totaling up to $424. If you already use these platforms regularly, the benefits alone exceed the annual fee, effectively offsetting the holding cost.
A leading way to use MR points is transfers to airline partners such as ANA, Singapore Airlines and Cathay Pacific. For example, transferring to ANA can redeem about 60,000 to 90,000 points for Business Class between China and the United States or between the United States and Europe, potentially giving a realized value above 2.0¢ per point.
Within 6 months, use ordinary rent, insurance, groceries, restaurant meals or larger household expenses. Avoid suspected cash-out or proxy-spending methods to help meet the welcome-points requirements safely.
