American Express
American Express® Gold Card
Reward rate: 4x restaurants (up to $50k/yr) • 4x U.S. supermarkets (up to $25k/yr) • 3x flights
Annual fee
$325
Welcome bonus
60,000 Membership Rewards points
Min. credit
Good to excellent
APR profile
Pay Over Time APR and charge-card terms vary by applicant
Pros
- ✓High-value dining and grocery earn rates for food-focused spending
- ✓Strong Membership Rewards transfer ecosystem
- ✓3x on flights helps frequent flyers stack points faster
Cons
- ✗$325 annual fee is meaningful if statement credits go unused
- ✗Supermarket bonus is capped annually
- ✗American Express acceptance is not universal with every merchant
Beta Notice
Direct applications are coming soon. Please visit American Express's official site to apply today.