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American Express® Gold Card

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Learn How to Apply

Annual fee: annual_fees  •  See Rates & Fees

Terms apply to American Express benefits and offers. Enrollment is required for select benefits. Visit americanexpress.com.

The Rewards Mom may receive a commission from card issuers. Some or all of the card offers that appear on The Rewards Mom are from advertisers and may impact how and where card products appear on the site. The Rewards Mom does not include all card companies or all available card offers.

American Express Disclosure: The Rewards Mom may receive a commission from card issuers. For rates and fees of the American Express® Gold Card, please visit www.americanexpress.com.

My Take

Everyday family MVP — earning 4X at U.S. supermarkets (on up to $25,000 per calendar year, then 1X) and 4X on dining worldwide — adds up fast. My favorite thing about this card is how easily families can earn rewards. Those everyday grocery runs and kid-meal nights quietly turn into points for future trips. I also love earning Membership Rewards® points because of how flexible they are—I can transfer to airline partners for flights (especially helpful if you’re in a Delta hub and want SkyMiles as an option) or take advantage of Hilton or Marriott transfer bonuses when I’m topping off for a weekend getaway. The monthly dining and Uber credits are easy wins for busy moms—think takeout on practice nights or Uber rides to the airport so you don’t have to arrange a pickup. You can read more about why I love Membership Rewards® points here.

Benefit Highlights

  • 4X at U.S. supermarkets: Earn 4X Membership Rewards® points on up to $25,000 per calendar year in purchases; then 1X.
  • 4X at restaurants: Worldwide, including takeout and delivery where eligible.
  • 3X on flights: Booked directly with airlines or on amextravel.com.
  • Up to $120 Dining Credit: Up to $10/month in statement credits at eligible partners after enrollment.
  • Up to $120 Uber Cash: Up to $10/month in Uber Cash for U.S. rides or eats when you add the card to your Uber account.
  • Point transfers: Access to American Express airline and hotel partners; watch for limited-time transfer bonuses.
  • No foreign transaction fees: Great for dining abroad on family trips.
  • Coverage perks: Includes built-in protections on eligible purchases and travel (see terms).
Enrollment required for select benefits. Dining partners and categories may change. Uber Cash available only in the U.S.; you must add your card to the Uber app to receive the monthly benefit.

How We Use It

Groceries and restaurants go on Gold; flights go on Gold if I’m booking direct and want 3X and flexibility. I pool points for family travel, then either transfer to a partner for outsized redemptions or combine with another card strategy when there’s a good bonus.

For rates and fees of the American Express® Gold Card, see Rates & Fees.

Editorial Disclosure: Opinions, reviews, analyses & recommendations are the author’s alone and have not been reviewed, endorsed, or approved by any of these entities.
Advertiser Disclosure: The Rewards Mom has partnered with CardRatings for our coverage of credit card products. The Rewards Mom and CardRatings may receive a commission from card issuers.
American Express Disclosure: The Rewards Mom may receive a commission from card issuers. Some or all of the card offers that appear on The Rewards Mom are from advertisers and may impact how and where card products appear on the site. The Rewards Mom does not include all card companies or all available card offers.