# American Express® Gold Card

> Earn up to 5x on hotels and 4x on dining. $620+ in statement credits per year. $325 annual fee.

Canonical page: https://cardstack.money/cards/american-express-gold-card
Markdown mirror for AI agents and LLMs. Full index: https://cardstack.money/llms.txt

## At a glance

- Issuer: American Express
- Network: Amex
- Annual fee: $325
- Rewards program: Membership Rewards (https://cardstack.money/programs/amex-membership-rewards.md)
- Total statement credits value: $620 per year
- Net value after annual fee: +$295 per year (credits value minus fee)
- Welcome offer: As high as 100,000 Membership Rewards® points after you spend $8,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer.

## Earning rates

| Rate | Category | Notes |
| --- | --- | --- |
| 4x | Dining | Up to $50,000 |
| 4x | Groceries | Up to $25,000 |
| 3x | Flights |  |
| 5x | Hotels | Travel Portal Only |
| 2x | Travel | Travel Portal Only |
| 1x | All other purchases | Base earn rate |

## Statement credits

### Uber Cash - $120/yr ($10 monthly)

Uber rides and Uber Eats orders in the U.S. when using an Amex card for payment.

- Resets: 1st of each month
- Enrollment required: yes
- Where to redeem: Uber rides or Uber Eats
- Details: https://cardstack.money/benefits/american-express-gold-card-uber-cash.md

### Dining Credit - $120/yr ($10 monthly)

Up to $10 in monthly statement credits when paying with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. Enrollment required.

- Resets: 1st of each month
- Enrollment required: yes
- Where to redeem: Grubhub (https://www.grubhub.com), Buffalo Wild Wings (https://www.buffalowildwings.com), Five Guys (https://www.fiveguys.com), The Cheesecake Factory (https://www.thecheesecakefactory.com), Wonder (https://wonder.com)
- Details: https://cardstack.money/benefits/american-express-gold-card-dining-credit.md

### Dunkin' Credit - $84/yr ($7 monthly)

Purchases at Dunkin' locations in the U.S.

- Resets: 1st of each month
- Enrollment required: yes
- Where to redeem: Dunkin' stores – pay with linked Amex card
- Details: https://cardstack.money/benefits/american-express-gold-card-dunkin-credit.md

### Resy Credit - $100/yr ($50 semi-annual)

Eligible restaurant reservations and dining through the Resy platform.

- Resets: Jan–Jun / Jul–Dec
- Enrollment required: yes
- Where to redeem: Book dining through Resy
- Details: https://cardstack.money/benefits/american-express-gold-card-resy-credit.md

### Hotel Collection Credit - $100/yr ($100 annual)

Up to $100 credit toward eligible charges every time you book The Hotel Collection through Amex Travel; 2-night minimum stay required. Credit applies per qualifying booking, not capped to once per year.

- Resets: Calendar year
- Where to redeem: The Hotel Collection bookings via Amex Travel (2-night minimum stay)
- Details: https://cardstack.money/benefits/american-express-gold-card-hotel-collection-credit.md

### Annual Uber One Membership – Gold Card 60th - $96 one-time

Enroll through Amex Offers and receive a one-time statement credit of up to $96 for a purchase of an annual Uber One membership (subject to auto-renewal) made by 10/30/2026.

- Offer terms: Limited-time Amex Offer; add the offer and purchase by Oct 30, 2026 (must hold the Gold Card by Oct 16, 2026)
- Enrollment required: yes
- Where to redeem: Add the Amex Offer, then buy an annual Uber One membership ($20+) at uber.com/uber-one or in the Uber, Uber Eats, or Postmates app using the enrolled Gold Card; membership auto-renews
- Details: https://cardstack.money/benefits/american-express-gold-card-annual-uber-one-membership-gold-card-60th.md

## Featured benefits

- **Hertz Five Star Status** (Hertz Five Star status): Complimentary Hertz Five Star status. Enroll in Hertz Gold Plus Rewards, then activate through your American Express account benefits.

## Other benefits

- **Trip Delay Insurance**: Reimburses certain expenses when a covered round-trip paid in full with the card is delayed more than 12 hours; up to $300 per trip, maximum 2 claims per Eligible Card per 12 consecutive months.
- **Baggage Insurance Plan**: Coverage for lost, damaged, or stolen baggage when the entire fare is paid with the card; up to $1,250 for carry-on and $500 for checked baggage in excess of common-carrier coverage; New York residents: $10,000 aggregate maximum per Covered Trip.
- **Car Rental Loss and Damage Insurance (secondary)**: Decline the rental company's collision damage waiver and pay with the card to be covered for theft or damage to a Rental Vehicle in a Covered Territory; not available in Australia, Italy, or New Zealand; not all vehicle types covered.
- **Global Assist® Hotline**: 24/7 emergency coordination services 100+ miles from home: medical and legal referrals, emergency cash wires, missing luggage assistance; cardholder pays third-party costs.
- **No Foreign Transaction Fees**: No American Express foreign transaction fees on purchases processed outside the U.S.
- **Earn rule**: 2x travel applies only to prepaid car rentals booked through AmexTravel.com / Amex Travel App and cruises booked & paid through AmexTravel; non-portal travel earns 1x.
- **Earn rule**: 3x flights: Direct booking — earn 3X on tickets purchased directly from any domestic or international airline. Portal booking — also earn 3X when you book flights on AmexTravel.com or the Amex Travel App.


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CardStack automatically tracks the Amex Gold Card's $620 in statement credits and reminds you before each one resets, so you use every dollar you paid for. Website: https://cardstack.money - App Store: https://apps.apple.com/app/apple-store/id6759270863