Quick Stats
Annual Fee
$325
Signup Bonus
75,000 pts
Spend Requirement
$6,000 in 6mo
Foreign Transaction Fee
None
Credit Score
good
Currency
MR
Earning Rates
Earning Caps
groceries: up to $25,000/year
dining: up to $50,000/year
Worth 1¢ per point when booking through Amex's travel portal
Transfer Partners
American Express Membership Rewards
Airlines
Delta SkyMiles
1:1
instant
Air France/KLM Flying Blue
1:1
instant
British Airways Avios
1:1
instant
Singapore KrisFlyer
1:1
12-24 hours
ANA Mileage Club
1:1
2-3 days
Virgin Atlantic Flying Club
1:1
instant
Emirates Skywards
1:1
instant
Cathay Pacific Asia Miles
1:1
instant
Qantas Frequent Flyer
1:1
instant
Avianca LifeMiles
1:1
instant
JetBlue TrueBlue
1:0.25
instant
Aer Lingus AerClub
1:1
instant
Etihad Guest
1:1
instant
Hawaiian Airlines HawaiianMiles
1:1
instant
Air Canada Aeroplan
1:1
instant
Hotels
Hilton Honors
2 Hilton points per 1 MR
1:2
instant
Marriott Bonvoy
1:1
1-2 days
Choice Privileges
1:1
instant
Perks & Benefits
insurance
Purchase Protection
Covers eligible purchases against damage or theft for up to 90 days from purchase date, up to $10,000 per occurrence.
Extended Warranty
Adds up to 1 extra year to eligible manufacturer warranties of 5 years or less.
Baggage Insurance
Up to $1,250 for carry-on and $500 for checked baggage if lost, damaged, or stolen on eligible flights.
dining
4x Points at Restaurants Worldwide
Earn 4x Membership Rewards points at restaurants worldwide (up to $50,000/yr in purchases, then 1x).
4x Points at US Supermarkets
Earn 4x Membership Rewards points at US supermarkets (up to $25,000/yr in purchases, then 1x).
Statement Credits
Uber Cash
Uber, Uber Eats
Monthly cap of $10/mo. Use it or lose it each month.
$10
monthly
Dining Credit
Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, select Shake Shack
$10/mo at participating dining partners. Must use enrolled Amex Gold.
$10
monthly
Resy Dining Credit
Resy-booked restaurants
$50 semi-annually. Must book through Resy.
$50
semi annual
Dunkin' Credit
Dunkin'
$7/mo at Dunkin'. Use it or lose it each month.
$7
monthly
The Verdict
The best card for people who eat — 4x on dining and groceries with credits that actually make sense.
The Amex Gold is the best card for people whose biggest spending categories are restaurants and groceries — and that's most people. The 4x earning rate is unmatched, and unlike the Platinum's niche credits, the Gold's credits (Uber, dining, Dunkin') align with how people actually spend. At $325/year it's not cheap, but if you spend $500+/month on food, the math works easily. The ideal Amex setup is Gold for everyday + Platinum for travel.
Pros
- 4x on dining worldwide and US supermarkets is the highest combined food earning rate available
- $120 Uber Cash + $120 dining credit + $100 Resy credit + $84 Dunkin' = $424/yr in food-related credits
- 3x on flights booked directly is strong for a mid-tier card
- Transfer partners (ANA, Virgin Atlantic, Delta) unlock premium award flights
- Credits are genuinely useful — Uber Eats, restaurants, and groceries are things most people spend on
Cons
- $325 annual fee has crept up and now requires using most credits to break even
- 1x on everything outside dining/groceries/flights — no gas, no streaming, no online shopping bonus
- Monthly credit cadence ($10/mo Uber, $10/mo dining, $7/mo Dunkin') requires consistent use to capture full value
- It's a charge card, not a credit card — balance must be paid in full monthly (Pay Over Time available but not ideal)
- Amex acceptance gaps can be frustrating at farmers markets, small shops, and internationally
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