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Gold Card
American ExpressCredit Card

Gold Card

Best for dining and supermarkets

$1Kbonus$325/yrannual fee1.0x points per $1; value varies by redemption
Sign-up bonus
$1K
See issuer terms
Annual fee
$325
Offset by $1K bonus
Purchase APR
See terms
Variable — see issuer terms
How you earn
Other purchases
1.0x points

Points and miles redemption value varies. Bonus categories shown; caps may apply. Verify earning rates and options with the issuer before applying.

SwitchWize take

Best for people who spend heavily at restaurants and U.S. supermarkets and want flexible Membership Rewards points. The annual fee is easier to justify if you naturally use the dining-related credits.

Pros & cons
What we like
  • ✓Strong 4x rewards on dining and U.S. supermarkets
  • ✓Transferable Amex Membership Rewards points
  • ✓Useful monthly dining and Uber credits
Worth noting
  • ✗Annual fee not waived
  • ✗Credits split into monthly increments requiring tracking
  • ✗Limited premium travel perks
Perks & credits
$524 face value·$423 effective
$120 dining credit
$10/month at Grubhub, Seamless, and select partners; enrollment required.
moderate
$120
$90 eff.
$120 Uber Cash
$10/month for Uber rides or Uber Eats.
easy
$120
$100 hotel credit
Eligible prepaid hotel bookings via Amex Travel.
moderate
$100
$75 eff.
$100 Resy credit
$50 semi-annually at eligible Resy restaurants; enrollment required.
moderate
$100
$75 eff.
$84 Dunkin credit
Monthly Dunkin statement credits; enrollment required.
moderate
$84
$63 eff.

Effective value discounts hard-to-use credits (easy 100% · moderate 75% · hard 50%)

Key terms
Updated Jun 21, 2026
Purchase APR0.00%–0.00% variable
Annual fee$325

Always verify current terms at the issuer before applying. See full offer details →

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Gold Card
American Express

Gold Card

$1K
sign-up bonus
$325
annual fee
$1,175
est. first-year value
-$25
ongoing value / yr

Based on $2,500/mo spend

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SwitchWize may earn a referral fee when you click through to a partner. Content is for informational purposes only and does not constitute financial advice. Verify current rates, fees, and eligibility directly with the card issuer before applying.

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