American Express Gold Card
By Alex Compton · Last verified
4x at restaurants and US supermarkets. The foodie default.
Welcome Bonus
100,000
≈$2,000 value
Spend Requirement
$8,000
in 6 months
Annual Fee
$325
No FTF
Credit Score
700+
(Good-Excellent)
Current offer note: Personalized offer advertised as high as 100k; applicants may receive a lower offer or no offer
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Apply now or wait?
Apply nowThis is the best public offer this card has ever had. In 7 tracked offers going back to 2018, nothing has beaten 100k.
Current offer
100k
All-time high
100k
Typical offer
90k
In place since
April 2025
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-09-04 | 100,000 | $8,000 in 6 mo | Spend: $6,000 → $8,000Personalized offer advertised as high as 100k; spending requirement increased from the prior snapshot | American Express Gold Card application page → |
| 2026-01 | 100,000 | $6,000 in 6 mo | Terms reconfirmed | Archive record · no attached snapshot |
| 2025-04 | 100,000 | $6,000 in 6 mo | Bonus increased: 60,000 → 100,000 | Archive record · no attached snapshot |
| 2024-07 | 60,000 | $6,000 in 6 mo | Bonus decreased: 90,000 → 60,000 · Spend: $4,000 → $6,000Refresh: $325 AF | Archive record · no attached snapshot |
| 2022-07 | 90,000 | $4,000 in 6 mo | Bonus increased: 60,000 → 90,000Targeted | Archive record · no attached snapshot |
| 2021-01 | 60,000 | $4,000 in 6 mo | Bonus increased: 50,000 → 60,000 · Spend: $2,000 → $4,000 · Window: 3 → 6 months | Archive record · no attached snapshot |
| 2018-10 | 50,000 | $2,000 in 3 mo | Earliest record | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
Reconfirmed the $325 fee and 4x categories; increased the personalized offer spend to $8,000 and added current 5x hotel and 2x prepaid rental and cruise earning.
Fields: currentOffer, offerHistory, earningRates, benefits, pros, lastVerified
American Express Gold Card application page →
Source checked 2026-09-04 · spot an outdated offer? Report a correction above.
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Earning Rates
- 4xRestaurants worldwide (up to $50k/yr)
- 4xUS supermarkets (up to $25k/yr)
- 5xPrepaid hotels through Amex Travel
- 3xFlights booked direct or via Amex Travel
- 2xPrepaid car rentals through Amex Travel and cruises booked through AmexTravel.com
- 1xAll other purchases
Credits ($424/yr stated)
- Uber Cash$120
$10 monthly
- Dining credit$120
$10 monthly: Grubhub, Cheesecake Factory, more
- Resy credit$100
$50 semiannually
- Dunkin credit$84
$7 monthly
Benefits
- ✦Full Membership Rewards transfer access
- ✦Complimentary Hertz Five Star status after enrollment
- ✦The Hotel Collection benefits on eligible two-night stays
- ✦Amex Offers and purchase protection
Why it earns its spot
- +4x dining + groceries covers most households' top categories
- +Credits realistically offset $200+ of the fee
- +The current personalized offer is advertised as high as 100k points
Where it costs you
- −$325 fee stings if credits go unused
- −Weak outside its bonus categories
The Compound Verdict
The strongest everyday earner in the Amex stable. If you eat out or buy groceries (you do), 4x in transferable points compounds fast. Pair with a fee-free 2x card for everything else.
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