This card offers an excellent 3% on dining and entertainment, 2% back at grocery stores and 1% on everything else. Because it offers cash back, rather than points, the rewards are more flexible and easier to redeem. Like the American Express® Gold Card, it doesn't charge foreign transaction fees.
Bottom line. The Amex Gold isn't just a pretty card. Its 4x earning rate on dining worldwide and at U.S. supermarkets makes it a strong pick for pretty much all food purchases. The up to $120 in with the annual dining credit — add value, and also makes the $250 annual fee easier to swallow.
The American Express® Gold Card earns:
All ratings are determined solely by our editorial team. The American Express® Gold Card offers solid value for most travelers. The earnings rate of 4 Membership Rewards points per dollar at restaurants and U.S. Supermarkets* is among the highest in the industry. Membership Rewards are flexible and easy to redeem.
Because these cards don't have a preset limit, they will not impact your credit utilization rate (how much of your credit limit you use). But the card will still impact your credit score in other ways—including whether you pay your bill on time. This can be good news if you use a charge card for a large purchase.
Is it hard to get an Amex Gold card? Getting the Amex Gold Card isn't the easiest card to qualify for as you need good or excellent credit. That means having a minimum 670 FICO score and existing cards in good standing. Being an existing American Express cardholder can also make it easier to qualify.
Because your Card is a Charge Card, rather than a Credit Card, you pay your balance in full each month. As a Charge Card, you'll have the financial flexibility of no pre-set spending limit on purchases, which provides you the opportunity to maximize your Membership Rewards points earned.
Lounge Club membership comes with the American Express Preferred Rewards Gold card, which is free for the first year. You receive two free passes to visit any Lounge Club lounge and further visits or further guests are charged at £20.
The American Express® Gold Card is a great card for dining out, ordering takeout and traveling, but it comes with a relatively high $250 annual fee.
When you compare the American Express® Gold Card and The Platinum Card® from American Express, the American Express Platinum card is the winner. While it's a more expensive choice, the American Express Platinum card provides frequent travelers with a lot more value.
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