American Express Gold Card by American Express: 5x hotels via portal, 4x dining & restaurants (first $50K/yr), 4x groceries / supermarkets (first…
The American Express Gold Card is American Express's mid-tier credit card. The $325/yr annual fee includes a 100,000-point welcome bonus after spending $8,000 in the first 6 months. Beyond the welcome bonus, here's what the card actually delivers.
| Credit | Value | What it covers |
|---|---|---|
| Uber Cash | $120/mo | $10/mo Uber Cash for Uber rides + Uber Eats in U.S. |
| Dunkin' Donuts | $84/mo | $7/mo at Dunkin' (U.S. only) |
| Dining (monthly) | $120/mo | $10/mo at Grubhub (incl. Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, Wonder (U.S.; enrollment required) |
| Resy U.S. restaurants | $100/semiannual | $50 H1 + $50 H2 at U.S. Resy-affiliated restaurants |
Welcome bonus value (year one): ~$2000. Annual statement credits: $424. Minus the $325 annual fee = ~$2099 in year-one net value before any spending earn. RewardsGuru rating: 4.9/5 — based on our net-value methodology.
Best fit: someone whose category spending matches the card's earn multipliers. Skip if: your spending pattern is flat across categories — a 2% flat-rate card would beat this.
100,000 points after spending $8,000 in the first 6 months. At our ~2¢/pt valuation, that's roughly $2000 in real value.
Year-one math: welcome bonus value (~$2000) + annual credits ($424) − $325 fee = ~$2099 net before spending earn. Year-two onward, the credits alone need to clear $325 — they do. Worth it if you'll use the credits, skip if you'd let them expire.
4 recurring statement credits: Uber Cash ($120/mo), Dunkin' Donuts ($84/mo), Dining (monthly) ($120/mo), Resy U.S. restaurants ($100). Total: $424/yr.
Check the card's terms — most premium travel cards waive foreign transaction fees, while no-fee and entry-tier cards usually charge 2-3%. American Express's product page has the current rate.