American Express® Gold Card
Annual fee
US$325
Welcome bonus
100,000
points
Est. 12-mo value
US$1,175
bonus × ¢/pt − fee
Base ¢/pt
1.50
Foreign txn
0%
Benefits
5 / 10
Welcome Offer
AS HIGH AS 100,000 Membership Rewards® points
Earn Rates
4xRestaurants worldwide
4xU.S. supermarkets
3xFlights (direct or Amex Travel)
2xPrepaid hotels (Amex Travel)
1xAll other purchases
Benefits & Insurance
·Airport Lounge
✓No FX Fee
✓Car Rental Insurance
·Travel Medical
·Trip Cancellation
✓Flight Delay
·Mobile Insurance
✓Purchase Protection
✓Extended Warranty
·Free Checked Bags
Key Perks
Free first checked bag
Hotel elite status/collection
Statement credits
Airport lounge access
Front of the Line presale tickets
Priority Pass lounge access
4X points at restaurants worldwide, on up to $50K in purchases‡
Premium lounge access
3X points on flights booked directly with airlines or on AmexTravel.com‡
4X points at U.S. supermarkets, on up to $25K in purchases‡
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// last updated 2026-02-23 · est. value = welcome bonus × base ¢/pt − annual fee