Question 1

How does Amex Gold score in Clientele's Credit Cards comparison?

Accepted Answer

Amex Gold scores 7.7 out of 10 overall, ranking number 5 of 7 in our independent Credit Cards comparison.

Question 2

What is Amex Gold best for?

Accepted Answer

Cardholders who spend heavily at restaurants and grocery stores. A household spending $1,000 per month on dining and $800 per month at US supermarkets earns 86,400 Membership Rewards per year at 4x.

Question 3

What are the pros and cons of Amex Gold?

Accepted Answer

Pros: 4x at all restaurants worldwide with no cap and 4x at US supermarkets up to $25,000 per year. At median US household grocery spend of $9,600 per year, that's 38,400 points annually from groceries alone. Same 21 Membership Rewards transfer partners as the $695 Platinum. Air France Flying Blue, ANA, Singapore Airlines KrisFlyer, Delta SkyMiles, and British Airways Avios. $120 Uber Cash at $10 per month applies to Uber Eats and Uber rides. 3x on flights booked directly with airlines lets you stack airline miles plus 3x Membership Rewards on the same purchase. No foreign transaction fees and the restaurant 4x applies globally. Dining in Europe, Japan, or Latin America all earn at the full 4x rate. Purchase protection covers items bought with the card for 90 days up to $1,000 per item and extends the manufacturer warranty by 1 year. Cons: Annual fee increased from $250 to $325 in October 2024 with no new credits added. The $75 increase reduces net value vs. what it offered before. No lounge access. Cardholders traveling frequently will sit in the terminal while Venture X and Reserve cardholders access Priority Pass lounges. $120 dining credit applies only to Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. Cardholders who don't use these merchants cannot capture the full credit. Secondary rental car coverage means a claim goes through your personal auto insurer first. Unlike the Sapphire Preferred and Reserve, which include primary coverage. No trip cancellation or delay insurance at $325 per year. 1x on non-dining, non-grocery, non-flight purchases means the card works best alongside a flat-rate card for everything else.