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American Express® Gold Card – Points & Rewards

Amex Gold rewards new Members with a welcome offer and versatile value, including 4X points at restaurants and U.S. supermarkets, dining credits, and Uber Cash.

By Megan Doyle | American Express Credit Intel Freelance Contributor

8 Min Read | December 22, 2020 in Cards



Gold Card rewards include 4X bonus points on dining and supermarket spending and up to $120 a year in monthly dining credits at participating partners. Card Members can also earn up to another $120 a year in Uber Cash that can be spent on Uber rides or Uber Eats in the U.S.

Another great welcome offer: New Gold Card Members can earn 60,000 Membership Rewards® points after spending $4,000 on eligible purchases on the Card in their first six months of Card Membership – up to a $600 value or even more, depending on how points are redeemed.

The Gold Card gives Card Members financial flexibility and flexible repayment options to support their changing lives, with tools such as Pay Over Time and Pay It/Plan It.  

Thinking about going for the Gold? Good news: With a new welcome offer, there might never be a better time for a credit card seeker to apply for the American Express Gold Card than right now. New Card Members can earn 60,000 Membership Rewards points after spending $4,000 in the first six months of Card Membership. 


Still, a great credit card offers more than an excellent welcome bonus. Here’s an in-depth look at what the Gold Card offers – plus an explanation of its unique-to-Amex approach to credit limits and a look at the kind of credit score that might boost your chances of approval. It’s important to note that terms apply to all benefits listed below and all offers are subject to change.


What’s New with the American Express Gold Card?

The Gold Card’s welcome offer recently went through big changes. Now you can earn 60,000 Membership Rewards points after you spend $4,000 in purchases on your Card during your first six months of Card Membership1 – that’s nearly twice as many points as before, and you have twice as long to meet the spending threshold. Currently, the annual fee is still $250.2


It doesn’t matter whether you choose to make a large purchase right away or spread out $4,000 in spending on your new Credit Card over the course of your first six months, which works out to less than $700 per month. If you reach the spending threshold within six months,3 you earn the 60,000 points – which could be worth as much as $600 depending on how you choose to redeem them with Amex or even more if you transfer points to an Amex partner. 


And, Gold Card Members will automatically receive $10 a month in Uber Cash after adding their Gold Card to their Uber account, for up to $120 a year that can be spent on Uber Eats and Uber rides in the U.S.


Ways to Earn Points with Your Gold Card

In addition to the welcome offer, the Gold Card offers a number of accelerated points-earning opportunities, especially for food lovers:

  • 4 points per dollar on supermarket spending, on up to $25,000 in purchases each year.
  • 4 points per dollar on restaurant purchases, whether you choose takeout, delivery, or dining out – with no annual cap.
  • 1 point per dollar on all other eligible purchases.

And when you’re ready to travel – whether you’re taking a last-minute trip or planning a vacation a year in advance – the Gold Card also gets you 3 points per dollar spent on flights booked directly with airlines or through American Express Travel.


Ways to Redeem Rewards with Your Gold Card

Once you’re ready to “spend” the Membership Rewards points you earned by paying with your Gold Card, there are several redemption options:

  • Pay with Points at Checkout: Use Membership Rewards points at the checkout of 15 different online retailers. One of those 15 is PayPal, which lets you use Pay with Points at millions of online stores around the world.
  • Redeem for Gift Cards: Redeem points for gift cards at a number of retail, dining, air, and lodging companies.
  • Cover Your Card Charges: You can redeem points for a credit equal to one or more eligible charges on your monthly Gold Card statement.
  • Book or Upgrade Travel: Find flights, plan vacations, reserve hotels, or redeem points to upgrade flights when available.
  • Transfer Points: Transfer points to various airline and hotel frequent traveler loyalty programs.
  • Go Shopping: Shop with American Express’ merchant partners through the Membership Rewards portal.

Note that the value of Membership Rewards points varies according to how you redeem them. Points can typically be redeemed for anywhere from 0.5 cent per point to 1 cent per point. 


American Express Gold Card’s Extra Dining and Travel Perks

Rewards aren’t all the Gold Card has to offer. Its dining, hotel, and Uber Cash credits help you save a little extra when doing the things you love.

  • $120 in Uber Cash: Don’t forget that $10 a month – a total of up to $120 per year – in Uber Cash that can be used on Uber Eats orders or Uber rides in the U.S.
  • $120 dining credit: Enroll and you can earn up to a $10 statement credit every month – a total of up to $120 a year – when you use your Credit Card to pay for meals through Grubhub, Seamless, Cheesecake Factory, Ruth’s Chris, Boxed, and participating Shake Shack locations.
  • $100 hotel credit: If you book at participating “Hotel Collection” properties through American Express Travel and stay for two consecutive nights, you earn a $100 credit that can be spent on any qualifying dining, spa, or resort activity. 

The Gold Card also can help you get room upgrades when available at participating hotels – though some hotels and resorts have fees that may apply. And when you’re traveling abroad, the Gold Card doesn’t incur the foreign transaction fees that some other credit cards charge.2


The Gold Card Has Your Back

Beyond rewards and credits, the Gold Card offers a variety of additional shopping and travel benefits. This includes the opportunity to sign up for a free ShopRunner membership, which gets you complimentary two-day shipping on eligible items. Minimum order may be required. Enrollment required.


How American Express Gold Card’s Spending Limit Works

Unlike typical credit cards that have a credit limit, the Gold Card has no preset spending limit. This can allow Card Members more purchase flexibility and increase rewards-earning potential. Of course, no preset spending limit doesn’t mean you’ll have access to unlimited spending, but rather that the spending limit is flexible. Purchases are approved based on factors such as your purchase, payment, and credit histories.


In addition, the Gold Card comes with flexible payment options that are similar to credit card features, including:

  • Pay Over Time: With Pay Over Time, you can carry a balance with interest and pay down the balance at your own pace, as long as you pay at least your minimum due each month. When you use your Card, eligible charges – basically, purchases over $100 – are automatically placed into your Pay Over Time balance, up to your Pay Over Time Limit. When it’s time to pay your bill, you can pay your balance in full, the minimum due, or any amount in between. Interest is charged at your standard annual percentage rate (APR) from the date of the charge, unless you pay your balance in full each month by the due date.1
  • Pay It®: Only available through the American Express® App, Pay It lets you make small payments under $100 to pay off individual purchase amounts throughout the month, while still earning points on your Card. The payments are deducted from your outstanding balance. 
  • Plan It®: With Plan It, you can split up large purchases into monthly payments for a fixed fee, up to your Pay Over Time Limit. The fixed fee is usually less than your Credit Card’s APR – which for the Gold Card varied from 15.99% to 22.99% as of November 27, 2020.2


What Credit Score Do You Need for a Gold Card?

Independent reviewers have suggested that approval for an American Express Gold Card takes a FICO credit score in the good range  – which starts at 670 – or higher.4,5 The higher your score, of course, the better your chances of approval. You can check to see whether you pre-qualify for the Gold Card on the American Express website.


What If I Already Have Another American Express Card?

American Express’ many different credit cards are meant to match various lifestyles. But sometimes one card isn’t a perfect match. If you already have an American Express cash back card, for example, you can still get a Gold Card for earning Membership Rewards points.


The Takeaway

The American Express Gold Card offers plenty of ways to earn points – including 4 points per dollar spent at U.S. supermarkets (on up to $25,000 in purchases per year) and restaurants – and redeem rewards. Plus, the Gold Card includes up to $120 in Uber Cash, up to another $120 in dining credits with participating partners, and a number of other perks. Right now, the Gold Card also comes with a welcome offer for new Card Members that can be redeemed for as much as a $600 value or more – as long as you spend at least $4,000 in purchases on the Card within the first six months of Card Membership.


1 For more on Offer and Benefit Terms for the American Express Gold Card, click here.

2 For more on Rates and Fees for the American Express Gold Card, click here.

3 That’s six months from the date your account is approved, and merchants must post transactions before the six months are over for them to be counted for the bonus, even if the purchase date was before the deadline. For complete Offer and Benefit Terms, click here.

4American Express Gold Card Reviews,” WalletHub

5American Express Gold Card Review,” Investopedia


Megan Doyle

Megan Doyle is a business technology writer and researcher whose work focuses on financial services and cross-cultural diversity and inclusion.


All Credit Intel content is written by freelance authors and commissioned and paid for by American Express. 

The material made available for you on this website, Credit Intel, is for informational purposes only and is not intended to provide legal, tax or financial advice. If you have questions, please consult your own professional legal, tax and financial advisors.