American Express Gold Card Review (2021)

Filed Under: American Express, Credit Cards
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American Express® Gold Card
4x points
on dining
4x points
at U.S. supermarkets
3x points
on flights
Annual Fee: $250
| Terms Apply.

The credit card landscape has changed a lot in recent years, and then on top of that the pandemic has shifted consumer behavior.

With that in mind, I’d argue that one American Express personal card is better positioned for today’s evolving consumer behavior than any other, especially with the card having just undergone a refresh.

The card has a great welcome bonus, offers generous bonus points for dining and supermarkets, and even offers annual credits that could largely offset the annual fee. I’m talking about the Amex Gold Card, and I wanted to take an in-depth look at the card in this post.

Amex Gold Card Basics For April 2021

For someone looking to earn Membership Rewards points, the American Express® Gold Card is one of the most rewarding cards out there. The card offers up to 4x points in useful categories, plus up to $240 in annual credits to offset the annual fee.

So let’s look at what you should know about this card.

Amex Gold Welcome Bonus

The Amex Gold Card is offering a welcome bonus of 60,000 Membership Rewards points after spending $4,000 within six months. Personally, I value Membership Rewards points at 1.7 cents each, so to me those 60,000 points are worth $1,020.

This is the best publicly available bonus we’ve ever seen on the card, and on top of that you have a full six months to complete the minimum spending requirement, which should be easy enough for most to accomplish, as that translates to under $700 per month in spending required.

Redeem Membership Rewards points for travel in Emirates first class

Card Eligibility

The welcome bonus on the Amex Gold Card isn’t available to those who currently have the card, or those who have had the Premier Rewards Gold Card in the past.

However, if you have had this card or the Premier Rewards Gold Card before you’re still eligible for the card, but you’re just not eligible for the welcome bonus. In some circumstances, it could still be worth getting the card in those situations if you’d benefit from it on an ongoing basis.

See this post for all the rules on applying for Amex cards.

Amex Gold Annual Fee

The Amex Gold Card has a $250 annual fee (Rates & Fees), and it isn’t waived for the first year. You can add additional cardmembers to the Amex Gold at no extra cost (Rates & Fees), and you’d accrue points for their spending at the same rate you accrue points for your own spending.

Earning Points With The Amex Gold

What makes the Amex Gold Card so valuable is the bonus categories it offers, including:

  • 4x Membership Rewards points at restaurants (including takeout and delivery) globally
  • 4x Membership Rewards points at U.S. supermarkets, on up to $25,000 in purchases annually
  • 3x Membership Rewards points on flights booked directly with airlines or through

This is an outstanding return on spending. Based on my valuations, that’s like a 6.8% return at restaurants globally and at U.S. supermarkets.

For dining, this card even beats the 3x points that the Chase Sapphire Reserve® — this is one of the best credit cards for dining purchases.

Now let’s take a closer look at just how those bonus categories are defined.

Amex Gold 4x Points At Restaurants

When the Amex Gold Card was introduced it only offered 4x points at restaurants in the U.S., but this has been extended to restaurants globally. There’s no limit to how many bonus points you can earn with this.

Generally speaking, restaurants are defined pretty broadly, and the category includes everything from fast food to cafes to fine dining. This even includes delivery and takeout, which are increasingly popular ways to get food from restaurants in this era.

Just note that convenience stores, nightclubs, and restaurants located within other establishments won’t typically qualify for bonus points.

Furthermore, eligibility for bonus points is determined based on how the merchant chooses to be categorized. There’s a chance that some merchants may not be categorized correctly at times.

The Amex Gold Card is great for dining

Amex Gold 4x Points At U.S. Supermarkets

The Amex Gold Card offers 4x points on the first $25,000 spent every calendar year at U.S. supermarkets, and after that you’ll earn a single point per dollar. This excludes superstores and warehouse clubs, so don’t expect you’ll be able to earn those bonus points at Sam’s Club, for example.

This is one of the best credit cards for grocery store purchases.

Amex Gold 3x Points On Flights

The Amex Gold Card offers 3x points on airfare with no limits on how many bonus points you can earn. This only applies when booking directly with an airline or through Furthermore, charter flights and private jet flights are excluded.

Officially booking through online travel agencies (except wouldn’t earn you bonus points, though in practice it may still sometimes code for 3x points. That’s because often online travel agencies still have the airline bill you directly when you book flights through them.

Earn triple points on flights with the Amex Gold Card

No Foreign Transaction Fees

The Amex Gold Card has no foreign transaction fees (Rates & Fees), so you can use it for purchases globally. That’s especially useful when you consider that you can earn 4x points on dining abroad, all with no foreign transaction fees.

Redeeming Membership Rewards Points

The Amex Gold Card earns Membership Rewards points. This is one of the four major transferable points currencies and is a favorite points currency for many. While I love Membership Rewards, I’d say that not everyone should be earning these points. Let me explain who should and shouldn’t earn Membership Rewards points.

Transfer Points To Airline & Hotel Partners 

The best way to redeem your points is to transfer them to one of the Membership Rewards airline or hotel partners. Points can be transferred to the following 21 partners, including 18 airline partners and three hotel partners:

Aer Lingus Aer ClubChoice Privileges
Aeroméxico Club PremierHilton Honors
Air Canada AeroplanMarriott Bonvoy
Air France/KLM Flying Blue
Alitalia MilleMiglia
ANA Mileage Club
Avianca LifeMiles
British Airways Executive Club
Cathay Pacific Asia Miles
Delta SkyMiles
Emirates Skywards
Etihad Guest
Hawaiian Airlines HawaiianMiles
Iberia Plus
JetBlue TrueBlue
Qantas Frequent Flyer
Singapore Airlines KrisFlyer
Virgin Atlantic Flying Club

The reason this represents such a good deal is that you can get outsized value towards first and business class travel. These tickets are often disproportionately expensive if paying cash, while they can be a good deal on points.

On top of that Amex often has transfer bonuses, which can stretch your points even further.

Obviously right now travel isn’t as readily available as it used to be, so personally, I’d view earning these points as more of an investment in future travel than anything else.

Redeem your points for Lufthansa’s incredible first class

How Not To Redeem Membership Rewards Points

While you can redeem Membership Rewards points towards the cost of merchandise, towards gift cards, or pay off your statement, these aren’t good uses of your points. You’ll typically get less than one cent of value per point, so that’s not how I’d redeem them.

Furthermore, while you can redeem Chase Ultimate Rewards points towards the cost of a paid travel purchase at a good rate (up to 1.5 cents per point), such a good rate isn’t available with Amex Membership Rewards.

In general, I’d recommend earning Membership Rewards points if your primary interest is transferring points to partner programs.

Amex Gold Card Benefits

The Amex Gold Card offers a variety of benefits that can help offset the annual fee of the card. In particular, the Amex Gold offers statement credits for eligible purchases, which could save you up to $240 per year.

Let’s take a closer look at how these work.

Amex Gold $120 Dining Credit

The first perk is that the Amex Gold Card offers a dining credit of up to $120 per year. This gives enrolled members up to $10 per month in statement credits when you pay with your card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations.

There are some restrictions to be aware of with this credit:

  • This credit is valid for purchases with Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations
  • Purchases by both the primary card member and authorized users are eligible, but you’re limited to a single credit no matter how many authorized users you have
  • The credit comes in the form of a $10 monthly credit, for a total of up to a $120 credit each year
  • Shake Shack locations in ballparks, stadiums, airports, and racetracks, aren’t eligible
  • The terms state that this isn’t valid for gift card or merchandise purchases, though it’s anyone’s guess if that is enforced
  • Only purchases in the United States qualify
  • The terms state that the credit should post within two to four weeks, though in my experience it posts much faster than that

Get up to $120 per year in value with the Amex Gold dining credit

Amex Gold $120 Uber Cash

The Amex Gold Card offers up to $120 in Uber Cash annually:

  • Cardmembers receive a $10 credit every calendar month
  • The credit is valid towards Uber and Uber Eats purchases in the United States
  • You don’t actually have to pay for your Uber ride with the Amex Gold, but rather just have to have the card linked to your Uber account as a payment method

This is a fantastic benefit and should be worth face value for anyone who uses Uber at least once a month.

Get up to $120 in annual Uber Cash with the Amex Gold

Amex Gold 12-Month Complimentary Uber Eats Pass

The up to $120 annual Uber Cash benefit isn’t the only Uber perk on the Amex Gold. The Amex Gold also comes with 12 months of complimentary Ubers Eats Pass, which gives you unlimited $0 delivery fees and 5% off orders of over $15 at eligible restaurants. Some things to note about this benefit:

  • Enrollment is required by December 31, 2021, and is only for the primary cardmember
  • This is valid in the US only for US orders
  • After 12 months, the Uber Eats Pass will be billed at the then-current monthly rate
  • Taxes and service fees may apply and do not count towards order minimums
  • Learn more about the Uber Eats Pass

Save Money Or Earn Bonus Points With Amex Offers

One of the great features of Amex cards is access to Amex Offers, which offers savings or bonus points on purchases with all kinds of retailers. There’s huge value to be had in getting as many Amex cards as possible, so that you can get these offers on multiple cards. Amex Offers could save you hundreds of dollars per year.

ShopRunner Membership

For having the American Express Gold Card you get a ShopRunner membership, which gets you free two-day shipping on eligible items at a network of 100+ online stores. You just have to enroll in your complimentary membership and can then start taking advantage of it.

The Hotel Collection

For staying two or more nights at select luxury hotels you can receive extra benefits through The Hotel Collection. Benefits include a $100 hotel credit and a room upgrade if available.

This is different than Amex Fine Hotels & Resorts, which requires having a Platinum Card.

Get extra perks with The Hotel Collection

Purchase And Warranty Protection

The Amex Gold Card offers some potentially valuable purchase protection, plus an extended warranty benefit. While you’ll want to check your cardmember agreement for all the details, you can potentially expect:

  • Purchase protection, offering protection on eligible purchases that are accidentally damaged, stolen, or lost; valid for up to 90 days, $10,000 per occurrence, and $50,000 per calendar year
  • Extended warranty, where you can get up to one extra year added to the original manufacturer’s warranty, for warranties of five years or less

Trip Delay Coverage

The Amex Gold Card offers trip delay coverage in situations where your flight is delayed by over 12 hours. You’re entitled to up to $300 per trip for necessary expenses, like hotels, meals, and other essentials. You’re eligible to make two claims per 12 consecutive month period.

This is all the more reason to put airfare purchases on this card, so you can earn triple points while getting some travel protection.

Is The Amex Gold Card Worth It?

The Amex Gold Card is a great card for anyone who spends a lot of money on food (whether at restaurants or supermarkets), and who is looking to earn Membership Rewards points. Furthermore, I’d argue that the card has been improved even further, as it now offers up to $240 in annual credits, between dining and Uber Cash.

For a long time, the Chase Sapphire Reserve® was the undisputed champ when it came to dining, but this card is now even more rewarding for dining (note that the Citi Prestige offers 5x points on dining, but doesn’t otherwise offer bonus categories that are as well rounded).

Just to give a bit of context, let me share some good complements to the Amex Gold, as well as other cards to consider.

Best Amex Gold Card Complements

The Amex Gold Card could be a fantastic complement to some other Amex cards that earn Membership Rewards points, including:

While the $250 annual fee is steep, hopefully, many people can recover most of that fee using the annual credits and benefits. If you’re someone who could maximize those, you might even come out ahead on the credits alone.

Showdown: Amex Gold Vs. Chase Sapphire Reserve

In many ways, I’d say the most direct substitute to the Amex Gold Card is the Chase Sapphire Reserve® (review), which offers 3x points on dining and travel, a Priority Pass membership, the ability to redeem points for 1.5 cents each towards travel, a $60 annual DoorDash credit, a one year Lyft Pink membership, and more.

The card has a $550 annual fee, though that’s offset by a $300 annual travel credit, which will automatically be applied towards any travel purchase. The way I view it, this card really costs you $250 per year.

Which of the cards makes more sense? I’d say the Sapphire Reserve could be worth considering if you spend more on travel than grocery stores, if you want to redeem points for 1.5 cents each towards travel purchases, and if you value a Priority Pass membership, Lyft Pink membership, and/or DoorDash credit.

Meanwhile, if you spend a lot at supermarkets as well, the Amex Gold Card is probably a better option.

Amex Gold Card Summary

The Amex Gold Card is one of American Express’ best credit cards for earning points. With 4x points on dining and supermarkets, earning Membership Rewards points is easy.

The card also offers some credits that are potentially useful, which for many will help offset the annual fee. The card offers up to a $120 annual dining credit, plus multiple Uber benefits, which I find to be very worthwhile.

If you don’t yet have the card, now is the time to get it. The card has an excellent bonus of 60,000 points, which is the best public bonus we’ve seen on the card.

If you want to learn more about the Amex Gold Card or apply, follow this link.

Apply Now

The following links will direct you to the rates and fees for mentioned American Express Cards. These include: American Express® Gold Card (Rates & Fees).

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  1. Don’t forget access to the AMEX Hotel Collection. Offers the $100 resort credit and room upgrade

  2. I have this card right now (well technically I have the rose gold) and the amex offers alone ‘pays’ off the annual fee. Yes, even though that airline credit is not eligible for gift cards anymore, I’m still going to keep my amex gold simply because I easily save over $500 a year from the amex offers.

  3. IMO the Chase Sapphire Reserve (or Citi Premier) is a complement, not a substitute, because of the travel category and some of the different redemption options. It’s funny that Chase doesn’t offer grocery spending on its UR cards as a normal category (probably because people would abuse it with manufactured spending) while Amex doesn’t offer “travel” on its MR cards (not sure why this is, especially with Uber as a partner). Because of this you kind of need to have both cards in order to maximize.

  4. With Amex adding so many hurdles to utilizing their credits, and overlap between the secondary benefits (Amex offers, Shop Runner, Hotel Collection, etc) between the Gold and Platinum, I’m not finding much value in keeping both. One will be gone this year, though I’m not yet sure which it will be.

  5. This review couldn’t have come at a worse time for the Gold. With the airline credit now useless, I will be closing my card, even though I was super-excited about it just last fall. But the incremental returns over CSR are just not worth spending an extra $100 in fees for. As for the Amex Offers, sure they are great, but I rarely get offers on the Gold that I don’t also get on other Amex cards with much lower annual fees. And since the ability to redeem on multiple cards is gone as well…

  6. @weiskel This is exactly right and the unfortunate reality is the inability to utilize the airline credits hits Amex’s most loyal customers the hardest. For those holding a single card, it’s easy enough to find a way to use $100-200 per year, but for those with multiple cards, it’s nearly impossible to utilize these. For example, my wife and I have a Gold, Plat and 2 Aspires. There is no way we can use $800 in annual credits.

  7. @MattR I am not sure if I would agree with your definition of “most loyal customers.” If a customer resorts/exploits the gaps in contract to maximize their gain, I am not sure how “loyal” that customer is, or how valuable that customer is. Now, I am no supporters of “playing fair with the banks” (since the banks, Amex incl., don’t play fair anyway), but if you look at it from Amex’s point of view, how valuable are those customers who do everything in their power to extract every cent out of the system?

    Furthermore, I also am not sure how valuable customers with multiple cards are, especially if they also strive to maximize their card earnings. I would imagine (I may be wrong, of course) that the most rewarding spending categories are loss-leaders (i.e. they lose money when you make purchase, since they have to reward you more, but you may make more purchases elsewhere). Sign-up bonuses probably are also loss-leaders. As such, customers with multiple cards probably ain’t the most profitable ones, since these customers mostly spend in loss-leaders, which means they mostly cost Amex money.

    So, maybe Amex want to weed out exactly the kind of “loyalty” (read: losing money) customers you refer to? I don’t want to use the word exploitative (because, sigh, they respond in kind, so it’s not clear who exploits whom), but this kind of loyalty probably is not what they want?

  8. Agree with magice – the most “loyal” Amex customers are those that probably spend enough on an annual basis to get significant returns on the bonus categories regardless of the airline credits

  9. Just got the card last month and was easily able to find a referral link for 50,000 bonus points. Love this card.

  10. I do not think I would renew my gold card this year due to my spending pattern and MR usage pattern. To me the price has gone up by 155(annual fee +55 and loss of easy $100 airline credit) . While it is possible to offset it with Grubhub every month it is quite a hassle.
    I have other no fee/lower fee amex cards for amex offers. Also I still have the Platinum card so it does not make sense to pay another 250.

  11. @magice It’s actually quite the opposite. I would prefer to consolidate my spending with one bank/currency primarily, but Amex makes it prohibitively expensive. I can spend $975 in annual fees for my wife and I to carry the Plat and Gold, receiving maybe $200 in credits that I can actually use annually, or I can spend $525 for a CSR and CFU, receiving $300 in easily usable credits, and likely accumulate similar earnings either way. While Amex offers may offset a portion of that, that still heavily tilts toward Chase, unless you’re frequently utilizing Centurian lounges.

  12. @Joey, aren’t the no annual fee (or lower annual fee) Amex cards eligible for the same Amex offers? Or am I missing something? If so you may be able to get a better deal with another Amex card depending on your spending/travel patterns.

  13. And every Canadian Amex card holder is exploding right now because of the watered down version that is offered.

  14. I have the Gold as a complement to the Chase Sapphire Reserve. I like having the two currencies to earn on and frequent transfer bonuses with MR points are just an added bonus, not to mention Ebates transfers, etc.

    The only thing I’m not super thrilled about is Amex’s bizarre categorization of what constitutes a “restaurant.” To me, if an eatery has table service where I make a reservation, get table service, and pay the server with my card and then leave tip on the final tab: that’s a restaurant. Every time I use my Amex card and then see “1x points on cafes” I grumble a bit. They claim that it’s up to the merchant to correctly code themselves as a restaurant but I don’t see how that responsibility should fall to the customer. Whenever I’m in doubt, I stick with the CSR.

  15. The Gold with Schwab cash out into investments is hard to beat. 5% back on dinning and supermarkets, with CSR covering travel/insurance and dinning that doesn’t code with Amex.

  16. Thomas is 100% correct. Gold+Schwab+CSR+Freedom is a really unbeatable setup, and well worth the fees. Or you could do Gold+Schwab+Citi Premier

  17. I think it’s silly how many people are on a high horse about being a great customer to Amex when they just have sour grapes about not being able to exploit the airline credit anymore. Because bottom line that’s what you were doing. It was never intended to be used for gift card purchases, so I really don’t think Amex cares about losing your business. They never wanted it to begin with, and you’re kidding yourself if you think otherwise honestly.

    I also don’t like the Amex offer argument for justifying the fee as no fee Amex cards can get the same offers, so that argument makes no sense as far as negating the fee.

    I don’t think the Gold card is worth the fee for much of the population, but it’s still great for the right person. It’s just that people need to think about it more now that they cannot use loopholes to negate the fee. If you can organically make use of the credits to a degree, the card is still going to be useful for who it was intended for.

  18. Compared to the Canadian Gold Amex your benefits are wonderful. Jealous to the extreme.

    Caution to Canadians – this article DOES NOT APPLY to the CANADIAN CARD.

    Sure wish AMEX would listen to our complaints.

  19. This card has served me well but I’ll probably cancel it before the next annual fee due date and switch to the Citi Prestige. I managed to get through this year with the old $195 annual fee. I can’t make much use of the airline fee credits since having elite status means I don’t pay very many fees and is even more difficult to use now since gift cards aren’t being reimbursed. I can’t get much out of the dining credit either since I spend a large part of the year out of the US and even when I am home I live in a rural area so there are few qualifying restaurant choices. And that right there is the killer for many AmEx cards for me is how complicated the fee credits are to use. Citi and Chase’s are so much more straightforward and actually useful. If AmEx’s credits were more like those I would probably have gotten the Platinum Card already but with the way it is now I just can’t justify it. Add in the Prestige’s 5x points on airfare and 5x points on dining on top of the better fee credit and I think it’s time for me to move on from the Gold Card, even with the recent downgrades to the Prestige.

  20. I, for one, don’t believe that the Gold Card “new” benefits justify the increased annual fee. I’ve been an Amex card holder for over 40 years, and will have to decide if the increase in points earning will justify the fee increase to determine if I’m going to keep the card. I live outside the US about half the year, so the groceries and gas don’t work very well. Quite frankly, the $120 dining credit is totally worthless (I used $0 last year). If they would let you use the whole $120 on one trip to Ruth’s Chris, it might be worth it. As it is, it won’t buy a baked potato. And the $100 airline credit is mostly worthless (I used $10 last year). What used to be a good card has really deteriorated.

  21. Getting into the points game and need some advice. Majority of my spend is on travel and dining (~3/4). Trying to decide between the Amex Gold or the CFU/CSR combo. I spend enough on restaurants compared to non-bonus spend to make the 1x extra points on dining more appealing than the 0.5x extra points on everything else. Depending on how you value the points it also may offset the AF difference ($150 for CSR/CFU vs $250 for Gold since, as others have mentioned, the credits are now somewhat useless). My questions are:

    1. How widely accepted is Amex both in the US and abroad? If I can only use it ~75% of the time that significantly cuts down the earnings power.
    2. How do Amex offers compare to Chase’s?
    3. How frequently do people use the Priority Pass in US airports? From what I hear the lounges are mainly international.

  22. @curious From what you are saying it sounds like the Citi Prestige might be better than either. It offers 5x points at restaurants which sounds like by far the largest portion of your spend. AmEx is also much further behind both Visa and Mastercard in terms of global acceptance (the Prestige is a Mastercard). It has a $495 annual fee but comes with a no strings attached $250 annual travel credit so after that it works out to $245, cheaper than the Gold Card. It comes with a Priority Pass membership, Global Entry credit, basically all the bells and whistles that come with a card in that price segment. The only thing is that Citi doesn’t have an offers program like Chase and AmEx do. While we’re on that topic, to answer your second question, AmEx has a MUCH better offers program, although Chase’s has been improving in recent times.

    If for some reason you’re stuck with the two options you’ve given, however, I would personally go with the Reserve/Freedom Unlimited combo. I don’t know how much international travel you do but it sounds like at least some, in which case Visa’s better acceptance rate probably makes it worthwhile even if you’re earning 1 point less per dollar. With Priority Pass memberships, I think most major airports have at least 1 Priority Pass lounge (or restaurant) but once you get into midsize and smaller airports the pickings are definitely much slimmer.

  23. I have the Amex Platinum and CSR… I was thinking of downgrading the Amex to the Gold… Can I get the gold (and therefore accumulate the signing bonus) and then transfer my platinum points to the Gold card and close the Platinum card… thereby getting the bonus and keeping my points?

  24. I use AMEX gold for everyday spending except gas and utilities.
    I enjoy the $100 airline credit towards bulk head extra legroom on a long haul flight.

  25. @Joey – the amex offers do not ‘pay’ for the annual fee, as you can get them with any other no annual fee amex card

  26. @dublin i guess it’s not considered an upgrade. I was seated in economy and at checkin chose an extra legroom seat for $126. I immediately received the $100 credit on my account.

  27. Why not make the airline credit across ALL airlines, instead of having to pick 1 US airline. I would like to be able to use it on ANA, Aeroplan, and Avianca award fees.

  28. @d3kingamerican…wow. that’s sweet. need to try that. I’ve shied away since they’ve been clamping down on gift certs, etc

  29. @D3KingAmerican

    But then you are out of pocket $26. The gold card has cost you another $26 instead of saving you money.

  30. Staradmiral, how is that a cost? Presumably @D3KingAmerican would have paid for the better seat even without the card. It would then have cost $126 instead of $26 with the card. So it’s a $100 saving, not a $26 cost.

  31. I would disagree with your line “ Generally speaking restaurants are defined pretty broadly, and the category includes everything from fast food to cafes to fine dining.”

    I’ve had issues getting 4x points with a coffee shop, bar and a bagel shop. Was told, after AMEX did an investigation, that these establishments were not primarily restaurants and therefore did not qualify. Generally did get 3x for these establishments on my Chase Sapphire.

  32. Got this card in October.
    I used the credit for even more space seats on Jetblue, which I generally wouldn’t pay full price for, so I value it at 50-75%. Additionally, the dining credit is also relatively easy to use, as grubhub/seamless provide enough variety that you can easily get away with ordering it once a month. YMMV on the offers, I’ve managed to use a couple in the few months I’ve had it, but the vast majority of them seem kinda random and useless. I’ve only had one restaurant coded as something else, which was a bakery in my local area that served sandwiches, it coded as something super generic. I don’t really spend much on groceries, but I would say dining is my biggest category by far, so I think this card is worth the money for me! I think with any card you need to do some math yourself in order to figure out its actual value for you.

  33. @ Azamaraal. What did you expect? This was written by an American for Americans.

    I am British and none of this applies to the Amex Gold card I have here in England. We only have £1 = 1MR on purchases unless directly at an airline, in a foreign currency and at the Amex travel shop.

  34. Thanks for the interesting piece.

    However, I am wondering how you could redeem the MR points for LH First – as indicated by the picture… I don’t see the airline / program in the list, do I? What am I missing here?

  35. AmEx is too complicated (for average people): “Uh, I’m going to a grocery store, and maybe I’ll get my points multiplier…unless it’s considered a big box store. But I’ll still get my dining points multiplier…unless it’s a coffee shop or a cafe or a bar…unless I do actually get my extra points (maybe). Guess I’ll head to a Shake Shack to get my dining credit, but I only get $12 (or was it $10?), but did I go this month already.” Forgettaboutit.

  36. Lucky, my wife has a gold card linked to my platinum card. Is her gold card legible for any of the gold card benefits you have described?

  37. @Wanderdata,

    Yeah, they do make it tough. I usually use the CSR at the cafe where I work but tried using the Gold card a few times and just noticed in my statement AMEX doesn’t consider it a restaurant (even though it provides meals, tables, etc.) and only gave me 1X points, so I won’t do that again.

    The airline credits are generally worthless unless you are willing to play various games to get them.

    Bottom line is that the bloggers are trying hard to justify people getting the cards. Even the value per point is often inflated and people seldom get 0.5 cent per Hilton point or 1.7 cent per Amex point. Sometimes on airfare you can do well although you also have to factor in taxes, fees and need a flexible schedule.

  38. @rich – Bingo. Short of a fairly enticing retention offer, I’m planning to close the Amex Gold card as well. The marginal value of the card over CSR for restaurant spend just isn’t as enticing as it once was (especially considering that it’s a crapshoot as to whether a particular merchant will code as “Restaurant” to trigger the bonus).

    While the value on airline transfer partners can have some incredible sweet spots, it requires more flexibility than I have with my job. Add on top of it that airlines have almost entirely eliminated rewards charts and play games with awards that are made available to partners, and the situation becomes even more dismal. I definitely assign value to points based on how easy they are to spend, and Amex MR just doesn’t hold the same appeal to me as it once did.

  39. If I had a gold card like 10-12+ years ago that means I am not eligible for the sign up bonus?

    Not sure why I think they added “premier” to titles of cards a few years ago and it’s a different product now? I recall reading something like that but I could be wrong

  40. I’m interested to know if amex card holders in the usa have seen the comp insurance that comes with cards voided? It is the case in Australia. Chubb insurance are not honouring the comp insurance component that comes with the card. I have a platinum charge card and they refuse to honouring aspect of the comp insurance . And Amex are doing nothing to adjust the annual 1400 and fee.

  41. Luck, you didn’t mention the current AMX referral opportunity. I referred a friend to the AMX Gold, he got approved, I am currently earning times 7 on groceries and restaurants, times 6 on airfare, and will be earning times 3 on all of my year end charitable giving and tax payments!!!

    Oh, and yes, I used this card also to show some extra love to Joe and Kamela, just earned another 3000 points

  42. Every time this card review gets brought up, I think the same thing: The $340 in credits available are completely useless to me. We don’t have Grubhub or Uber Eats where I live and the closest of any of those restaurants listed, a Cheesecake Factory, is 40 miles away. I have elite status with DL plus a DL AmEx so I rarely encounter incidental fees, especially now that domestic fees have gone away (obviously this wasn’t true when Lucky first wrote this review). Additionally, given a choice in rideshare, I always choose Lyft over Uber. So basically I could pay $250 for the chance to earn a bunch of MR point but get no value anywhere else from the card.

  43. I have this card along with the CSR and Amex Platinum (plus a number of hotel and airline cards). I get more value than this card costs just from the bonuses and also get enough value from my 2 premium cards to justify them. Between the 3 cards I pay $1350 a year but they are all IMHO well worth it. Plus that is a rounding error in the average daily movement of my stock portfolio so have no plans to drop any of them.

  44. Frankly, I am shocked with the amount of hatred to this card, particularly at this point in time. This card has been exceptional in 2020 for me. And the $10/month Uber credit for 2021? LOVE IT!

    Look, anyone here *not* going through a lockdown? If you do, you probably order through grubhub. If you do, well, $10/month discount! Yay! Plus, they have had the offer for 1 extra point for grubhub for the entire year. So, class, let’s sit down and do math. 4 + 1 point = 5 points/$ (and if you are as generous as Lucky, that’s 8.5% cash back). Oh, and $10 off, so maybe 1% or 2% extra off for the entire month?

    And with the lockdown keeps getting extended (oh hi unwanted visitors from Britain and South Africa; I meant the microscopic ones), the grocery 4 points/$ is excellent.

    Solid perks, solid reward, solid look (OK, the rose gold is cheesy, but I like it), solid weaponry (seriously, can we please get back our thin plastic cards?). What else can you ask from a credit cards?

  45. I spend about half of the year in Germany so a card that doesn’t offer good points worldwide on everything, especially restaurants, grocery stores and gasoline, isn’t much use for me. Especially when it costs §250 a year without the first year free.

  46. @GaryHal

    I believe the dining benefit is now worldwide. I can’t really think of any US issued cards that offer multipliers on foreign grocery stores (maybe Citi Premier?)

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