Amex Gold Card Adds 4x Points At Restaurants Globally

Filed Under: American Express, Credit Cards
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In October 2018 the American Express® Gold Card was refreshed, and introduced a more rewarding points structure than ever before.

Basics of the Amex Gold Card

The card has a $250 annual fee (Rates & Fees), though offers the following return on spending:

  • 4x Membership Rewards points at restaurants globally (as of June 6, 2019)
  • 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 amextravel.com

On top of that, to help offset the annual fee, the card has offered up to $220 in annual credits, including:

  • A $120 dining credit, which gives enrolled members up to $10 per month in statement credits when they use their card at eligible dining partners, including Shake Shack, The Cheesecake Factory, Ruth’s Chris Steak House, and Grubhub/Seamless
  • A $100 airline fee credit every calendar year

Amex Gold Card improved dining bonus category

The way I see it, one of the major downsides to the Amex Gold Card had been that the 4x points category on dining is limited to U.S. restaurants. That’s pretty restrictive, given that presumably the card is also targeted at a lot of people who travel a fair bit.

So Amex is making an improvement in this regard. As of June 6, 2019, the Amex Gold Card offers 4x points at restaurants globally. This is a fantastic change that will make this card significantly more lucrative for those who travel quite a bit.

There are still two issues with this, though:

  • Amex doesn’t have nearly the global acceptance of Mastercard or Visa for restaurants outside the U.S.
  • Amex has been having issues with restaurants correctly being coded, so many people have found themselves not earning bonus points on restaurants

Bottom line

The Amex Gold Card is already one of the best credit cards for dining, and this makes it even more lucrative. I never really understood why Amex limited many of their bonus categories to being U.S. only, as it really doesn’t reflect the growing trend of credit card acceptance improving globally.

Personally, I still use the Citi Prestige for my dining purchases, as it offers 5x points globally, but this Amex bonus category is also really good.

If you have the Amex Gold Card, are you excited about this change?

(Tip of the hat to Doctor Of Credit)

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

Regarding Comments: The comments on this page have not been provided, reviewed, approved or otherwise endorsed by any advertiser, and it is not an advertiser's responsibility to ensure posts and/or questions are answered.
Regarding Comments: The comments on this page have not been provided, reviewed, approved or otherwise endorsed by any advertiser, and it is not an advertiser's responsibility to ensure posts and/or questions are answered.

Comments

  1. I was planning to cancel the Amex Gold after the first year. With the additional benefit of 4x restaurants globally, I will need to calculate if this card is going to be a keeper.

  2. Every time an article pops up about this card, it makes me reflect on whether to get it. Unfortunately, since dining out is one of the biggest wastes of money and we do it very infrequently, I can’t justify this card based on the other benefits.

  3. I value Amex transfer partners over other banks. This is a positive change for me, especially I travel mainly for food.

  4. Posting before the naysayers claim that Amex isn’t accepted overseas…

    Data points: I have been to England, Spain, Taiwan, Japan, Indonesia, Greece and Korea in the last 9 months and I have yet to encounter a restaurant that did not accept American Express.

  5. @Kevin,

    Our experiences are the exact opposite – Australia, Canada, Hong Kong, Japan, Italy since Oct till now – many places only take Visa and MC, and some only take Visa, especially in Australia and Hong Kong,.

    The biggest issue with AMEX cards to us is the rental car coverage exclusion. When both Chase and Citi are now worldwide coverage, incl countries where mandatory CDW are required by governments, Chase and Citi cover the “excess” while AMEX continues to exclude Australia / New Zealand / Italy / Northern Ireland / Israel and Jamaica, off the top of my head.

  6. This is fantastic news. I am heading to Europe in two days and we spend a lot on dining abroad.

    Prior to this change, the best I could do on dining for this trip was 2X United miles on my Explorer Card, since I am 5/24ed from getting the CSR, and 3X UR points on dining, which would have been my choice.

  7. @Kevin

    Before we go overseas lets talk about acceptance in the USA – Several restaurants I have been dining in, in the USA refused to take Amex.

  8. This is great. We use AMEX Gold for Us groceries and for meal prep delivery services (codes as dining out). This costs a bit more than groceries but much less than dining out.

    The global aspect will be nice when in Canada and Japan.

  9. This is great news bc I was considering getting the Chase Preferred card just for the global restaurants points. Last week I was on the phone with AMEX asking why I didn’t get my 4x for certain grocery stores and restaurants. It’s an ongoing issue. Restaurant-cafe/bar don’t count. So be careful if you want to pickup the tab lol. Otherwise I’m really happy with this card.

  10. @Omer

    The only few US based restaurants that I have been to that do not accept American Express are places that I would normally not go to anyway so I really don’t care. But to each his own.

  11. Big deal, I can get 4x at restaurants globally with an Uber Visa card with no annual fee.

  12. Handy, I leave for 6 weeks around the world on June 6th. Mucho restaurant spending in my near future, Likely ditching the CSP for a couple of years.

  13. I am in Barcelona now

    One of my travel companions has tried using his Amex card every day

    Only 1 restaurant has accepted it thus far. Most stores also do not accept Amex. (1 of like 10 accepted it)

    As for “not wanting to go to those types of places” most of them are top picks with lines out the door, or highly rated by TripAdvisor etc

    That said we are eating and shopping at Spanish places, not mega malls and chains. I’d guess that Prada, Louis Vuitton etc take Amex, but why fly here to buy that? or to eat at a chain?

    All that said, 4x in Restaurants and Supermarkets is compelling. Im a Chase user but have have Amex platinum that I only use for domestic airfare…. but starting to rethink that

  14. Do these benefits apply also to the fee-free Gold Card that Platinum Card members can get for friends and relatives?

  15. Most places will tell you that they don’t take AMEX.
    If you tell them thats all you have suddenly they take it They may not want to but 99% have taken mine
    When I find a spot that doesn’t I don’t go back
    Should you have a problem with AMEX they handle it and handle it well
    Other cards not so much.
    Traveled world wide for the last 40 year’s
    Seldom encountered an issue

  16. This is huge. I may actually get this card now. Most restaurants I visit in Australia take Amex, but I’ve been using my CSP for the double points.

  17. @James N – but if you don’t eat out, that probably means you spend a lot on groceries, no? You get 4x points for that, too. I don’t eat out all that much, either, but the bonus points I get from my grocery bill more than covers the annual fee.

  18. I suspect that Amex has often limited their bonuses and promotions (like a lot of Amex Offers) to the US because a lot of other countries have more restrictive rules on credit card merchant fees, meaning Amex isn’t as profitable in other countries. I guess maybe they’ve just decided to absorb that cost now to be more competitive.

    I still wish more Amex Offers (especially for hotel chains) were valid globally though…

  19. @MeanMeosh- Yes, we (my wife and I) do spend a good amount on groceries, but we take advantage of the quarterly 5% bonus we get on two Chase Freedom Cards and our Discover, which usually equates to $4,500 per year, all with no annual fees. We simply buy gift cards and use them throughout the year.

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