| Category | Rate | Type | Cap |
|---|---|---|---|
|
Restaurants Worldwide
4x Membership Rewards points at restaurants worldwide including takeout and delivery in the U.S., on up to $50,000 per calendar year in purchases, then 1x. Includes fast food, casual dining, fine dining, cafes, and bars categorized as restaurants by the merchant.
|
4x | Points | $50,000/yr |
|
U.S. Supermarkets
4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year in purchases, then 1x. Excludes superstores (Walmart, Target) and warehouse clubs (Costco, Sam's Club, BJ's).
|
4x | Points | $25,000/yr |
|
Flights Booked Directly with Airlines
3x Membership Rewards points on flights booked directly with airlines with no annual cap. Does not apply to flights booked through third-party travel sites unless booked through AmexTravel.com.
|
3x | Points | No cap |
|
Flights Booked Through AmexTravel.com
3x Membership Rewards points on prepaid flights booked through AmexTravel.com with no annual cap.
|
3x | Points | No cap |
|
Prepaid Hotels via AmexTravel.com
3x Membership Rewards points on prepaid hotels booked through AmexTravel.com with no annual cap.
|
3x | Points | No cap |
|
Restaurants Worldwide (After Cap)
1x Membership Rewards points at restaurants worldwide after the $50,000 annual spending cap is reached.
|
1x | Points | No cap |
|
U.S. Supermarkets (After Cap)
1x Membership Rewards points at U.S. supermarkets after the $25,000 annual spending cap is reached.
|
1x | Points | No cap |
|
All Other Purchases
1x Membership Rewards points on all other eligible purchases with no annual cap. Points do not expire as long as at least one eligible enrolled Amex card is active.
|
1x | Points | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
$100 Resy Credit
Receive up to $50 in statement credits semi-annually (up to $100 annually) on eligible purchases at U.S. Resy restaurants when the Gold Card is used for payment. Enrollment required.
|
Credits |
$100/year ($50 semi-annually)
Up to $100
|
|
$120 Dining Credit
Receive up to $10 in monthly statement credits (up to $120 annually) when using the enrolled Gold Card at participating dining partners including Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, and select Shake Shack locations. Enrollment required; unused monthly credits do not roll over.
|
Credits |
$120/year ($10/month)
Up to $120
|
|
$120 Uber Cash Annual Credit
Receive $10 in Uber Cash monthly (up to $120 annually) for use on Uber Eats orders or Uber rides in the U.S. when the Gold Card is added to the Uber account and selected as payment. Enrollment required; unused monthly credits do not roll over.
|
Credits |
$120/year ($10/month)
Up to $120
|
|
$84 Dunkin' Annual Credit
Receive up to $7 in monthly statement credits (up to $84 annually) when using the enrolled Gold Card at U.S. Dunkin' locations. Enrollment required; unused monthly credits do not roll over.
|
Credits |
$84/year ($7/month)
Up to $84
|
|
No Foreign Transaction Fees
The American Express Gold Card charges no foreign transaction fees on purchases made outside the United States, making it suitable for international travel and purchases.
|
Financial |
$0 foreign transaction fee
Up to $0
|
|
Baggage Insurance Plan
Covers lost, damaged, or stolen baggage when the entire fare is charged to the Gold Card. Coverage up to $1,250 for carry-on baggage and up to $500 for checked baggage. Underwritten by AMEX Assurance Company.
|
Insurance |
Up to $1,250 carry-on, $500 checked
Up to $1,250
|
|
Car Rental Loss and Damage Insurance
Secondary coverage against collision damage or theft of a rental vehicle when the full rental is paid with the Gold Card and the rental company's CDW is declined. Coverage up to $50,000 per rental agreement. Underwritten by AMEX Assurance Company.
|
Insurance |
Up to $50,000 per rental
Up to $50,000
|
|
Extended Warranty
Extends the original U.S. manufacturer's warranty by up to one additional year on eligible purchases with warranties of five years or less. Coverage up to $10,000 per covered purchase and $50,000 per calendar year. Underwritten by AMEX Assurance Company.
|
Insurance |
Up to $10,000/item, $50,000/year
Up to $10,000
|
|
Purchase Protection
Covers eligible purchases made with the Gold Card against accidental damage or theft for up to 90 days from the purchase date, up to $10,000 per occurrence and $50,000 per calendar year. Underwritten by AMEX Assurance Company.
|
Insurance |
Up to $10,000/item, $50,000/year
Up to $10,000
|
|
American Express Experiences
Gold Card Members have access to American Express Experiences, including presale tickets and reserved seats to concerts, sports events, dining experiences, and exclusive cultural events not available to the general public.
|
Lifestyle | Complimentary access |
|
Complimentary Hertz Five Star Status
Gold Card Members receive complimentary Hertz Five Star status, allowing them to skip the counter at select locations, choose their vehicle from a wider selection, and add an additional driver at no extra cost. Benefit enrollment and Hertz Gold Plus registration required.
|
Lifestyle | Complimentary |
|
3x Points on Flights
Earn 3x Membership Rewards points on flights booked directly with airlines or through AmexTravel.com with no annual spending cap.
|
Rewards | 3x points unlimited |
|
3x Points on Prepaid Hotels via AmexTravel.com
Earn 3x Membership Rewards points on prepaid hotels booked through AmexTravel.com with no annual cap.
|
Rewards | 3x points unlimited |
|
4x Points at Restaurants Worldwide
Earn 4x Membership Rewards points at restaurants worldwide including takeout and delivery in the U.S., on up to $50,000 per calendar year in purchases, then 1x. Applies to merchants categorized as restaurants by the merchant.
|
Rewards | 4x points (up to $50,000/year) |
|
4x Points at U.S. Supermarkets
Earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year in purchases, then 1x. Excludes superstores (Walmart, Target) and warehouse clubs.
|
Rewards | 4x points (up to $25,000/year) |
|
Fraud Detection and Alerts
American Express monitors Gold Card activity 24/7 and notifies cardholders of suspicious transactions via text, email, or push notification through the Amex App.
|
Security | Complimentary |
|
Instant Card Number
Upon approval, cardholders can access a virtual card number immediately through the American Express App for online and in-app purchases before the physical card arrives.
|
Security | Complimentary |
|
Zero Fraud Liability
Cardholders are not held responsible for unauthorized charges made with their Gold Card, provided fraudulent activity is reported promptly to American Express.
|
Security |
$0 liability
Up to $0
|
|
Amex Offers
Access to personalized merchant-specific offers providing additional statement credits or bonus points at select dining, shopping, and travel brands. Enrollment required per offer before redeeming.
|
Shopping | Varies by offer |
|
Send & Split®
Split purchases with friends and family or send money directly via Venmo or PayPal through the American Express App without a fee from American Express.
|
Shopping | Complimentary |
|
Global Assist® Hotline
24/7 emergency assistance coordination when traveling more than 100 miles from home, including medical and legal referrals, emergency cash wires, and lost document assistance. Card Members are responsible for costs charged by third-party providers.
|
Travel | Complimentary coordination |
|
The Hotel Collection
Book a minimum 2-night stay at eligible The Hotel Collection properties through AmexTravel.com and receive a $100 property credit for qualifying charges and a room upgrade when available. Applies to over 1,000 properties worldwide.
|
Travel |
$100 property credit per stay
Up to $100
|
|
Trip Delay Insurance
If a covered trip is delayed by more than 12 hours, receive up to $300 per trip in reimbursement for eligible additional expenses such as meals and lodging. Limited to 2 claims per eligible card per 12-month period. Underwritten by AMEX Assurance Company.
|
Travel |
Up to $300 per trip
Up to $300
|
