Amex · courtesyThe American Express® Gold Card (a.k.a. Amex Gold Card)
$325/ year
Up to $524/yr in credits & perksAmerican Express (charge card with No Preset Spending Limit)Membership Rewards valued at 1¢/ptRecent changes: Current annual fee: $325. Previous: $250 (pre-June 2024 refresh annual fee). First-year waived: False. New vs existing: same — $325 annual fee for new and existing cardmembers as of 2024-2025 transition period.
Benefits, itemized
24 tracked · published maximums — realized value depends on enrollment and timing.4X Membership Rewards® Points at Restaurants Worldwide
Earning4X Membership Rewards points per dollar spent at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points
Terms & eligibility
Cap of $50,000 in purchases per calendar year at 4x; then 1x for the rest of the year. Restaurant Merchant Category Codes (MCCs) per Amex terms.
Government source · Aug 24, 2026Up to
$2,000
per_use
4X Membership Rewards® Points at U.S. Supermarkets
Earning4X Membership Rewards points per dollar spent at U.S. supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year
Terms & eligibility
Cap of $25,000 in purchases per calendar year at 4x; then 1x for the rest of the year. U.S. supermarkets only; excludes Walmart, Target, and warehouse clubs per standard Amex MCC definitions.
Government source · Aug 24, 2026Up to
$1,000
per_use
5X Membership Rewards® Points on Prepaid Hotels Booked through AmexTravel.com
Earning5X Membership Rewards points per dollar spent on Prepaid Hotels booked through AmexTravel.com or Amex Travel App™
Terms & eligibility
Must book prepaid hotels through AmexTravel.com or Amex Travel App
Government source · Aug 24, 2026Included
3X Membership Rewards® Points on Flights
Earning3X Membership Rewards points per dollar spent on Flights booked through AmexTravel.com or Amex Travel App™ or directly through airlines
Terms & eligibility
Must book flights through AmexTravel.com / Amex Travel App, or directly with the airline (airline website or call center)
Government source · Aug 24, 2026Included
2X Membership Rewards® Points on Prepaid Car Rentals and Cruises via AmexTravel.com
Earning2X Membership Rewards points per dollar spent on Prepaid Car Rentals booked through AmexTravel.com or Amex Travel App™ and cruises booked and paid through AmexTravel.com
Terms & eligibility
Must book prepaid car rentals or cruises through AmexTravel.com or Amex Travel App
Government source · Aug 24, 2026Included
1X Membership Rewards® Point on All Other Purchases
Earning1X Membership Rewards point per dollar spent on all other eligible purchases
Terms & eligibility
Standard 1x base earn on all other eligible purchases
Government source · Aug 24, 2026Included
$120 Dining Credit (monthly, enrollment required)
CreditUp to $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder — up to $120 annually
Terms & eligibility
Must enroll in the dining credit benefit; must pay with the Gold Card at a participating partner; U.S. locations only (for most partners); enrollment required
Government source · Aug 24, 2026Up to
$120
per month
$120 Uber Cash (monthly, enrollment required)
CreditGet $10 in Uber Cash each month when you add your Gold Card to your Uber account — up to $120 annually
Terms & eligibility
Must add Gold Card to Uber account; must select an Amex Card for transaction; U.S. only
Government source · Aug 24, 2026Up to
$120
per month
$100 Resy Credit (semi-annual, enrollment required)
CreditUp to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants — up to $50 in statement credits from January through June and up to $50 in statement credits from July through December
Terms & eligibility
Must enroll in the Resy Credit benefit; must pay with the Gold Card at qualifying U.S. Resy restaurant; Resy account not required but recommended to discover qualifying restaurants
Government source · Aug 24, 2026Up to
$100
per half-year
$84 Dunkin' Credit (monthly, enrollment required)
CreditUp to $7 in monthly statement credits when you pay with the American Express® Gold Card at U.S. Dunkin' locations — up to $84 annually
Terms & eligibility
Must enroll in the Dunkin' Credit benefit; must pay with the Gold Card at U.S. Dunkin' locations
Government source · Aug 24, 2026Up to
$84
per month
Hertz Five Star® Status (enrollment required)
AccessComplimentary upgrade to Hertz Five Star® Status, plus 2X Membership Rewards points on prepaid car rentals through AmexTravel.com or Amex Travel App™
Terms & eligibility
Must enroll in Hertz Five Star Status benefit; 2x points on prepaid car rentals via AmexTravel.com
Government source · Aug 24, 2026Included
The Hotel Collection ($100 Statement Credit on 2+ night stays)
CreditBook two nights or more with The Hotel Collection through AmexTravel.com and receive a $100 credit towards eligible charges at over 1,300 upscale hotels worldwide
Terms & eligibility
Must book two nights or more through AmexTravel.com; eligible charges vary by property; two-night minimum stay required
Government source · Aug 24, 2026Up to
$100
per_stay
Trip Delay Insurance
ProtectionIf a round-trip is paid for entirely with your Eligible Card and a covered reason delays your trip more than 12 hours, Trip Delay Insurance can reimburse certain additional expenses purchased on the same Eligible Card, up to $300 per trip, maximum 2 claims per Eligible Card per 12 consecutive month period
Terms & eligibility
Round-trip must be paid for entirely with Eligible Card; covered reason must delay trip more than 12 hours; max 2 claims per Eligible Card per 12 consecutive month period
Government source · Aug 24, 2026Up to
$600
per_trip
Baggage Insurance Plan
ProtectionCoverage up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier
Terms & eligibility
Must purchase Entire Fare for Common Carrier Vehicle ticket on Eligible Card; in excess of Common Carrier coverage
Government source · Aug 24, 2026Up to
$1,750
per_trip
Car Rental Loss and Damage Insurance
ProtectionSecondary coverage for Damage to or Theft of a Rental Vehicle in a Covered Territory when you reserve and pay for the Entire Rental with Eligible Card and decline the collision damage waiver (CDW)
Terms & eligibility
Must reserve and pay for Entire Rental with Eligible Card; must decline CDW at counter; secondary coverage only; no liability coverage; excludes Australia, Italy, and New Zealand rentals
Government source · Aug 24, 2026Included
Global Assist® Hotline
Access24/7 emergency assistance and coordination services when traveling more than 100 miles from home, including medical and legal referrals, emergency cash wires, and missing luggage assistance
Terms & eligibility
Card Member is responsible for costs charged by third-party service providers
Government source · Aug 24, 2026Est. value
~$1
on_demand
No Foreign Transaction Fees
AccessNo foreign transaction fees from American Express on purchases made outside the U.S.
Terms & eligibility
Applies to all international purchases
Government source · Aug 24, 2026Included
No Preset Spending Limit (Charge Card Feature)
AccessNo Preset Spending Limit — flexible spending limit that adapts based on factors such as purchase, payment, and credit history
Terms & eligibility
Charge card — balance must be paid in full each billing cycle; in certain instances, Amex may assign a specific spending limit based on factors such as credit score, past due payments, or high balances on revolving credit accounts; specific spending limit notification will be provided
Government source · Aug 24, 2026Included
Purchase Protection
ProtectionCovered Purchases protected for up to 90 days from Covered Purchase date when accidentally damaged, stolen, or lost — up to $10,000 per Covered Purchase, up to $50,000 per calendar year
Terms & eligibility
Up to $10,000 per Covered Purchase; up to $50,000 per calendar year; terms, conditions, and exclusions apply
Government source · Aug 24, 2026Included
Extended Warranty
ProtectionUp to one extra year added to the Original Manufacturer's Warranty for Covered Purchases; applies to warranties of 5 years or less; up to $10,000 per Covered Purchase, up to $50,000 per Card Member account per calendar year
Terms & eligibility
Applies to warranties of 5 years or less; up to $10,000 per Covered Purchase; up to $50,000 per Card Member account per calendar year
Government source · Aug 24, 2026Included
Amex Special Ticket Access (Amex Presale Tickets® and Amex Reserved Tickets®)
AccessAccess to Amex Presale Tickets and Amex Reserved Tickets to select can't-miss events across sports, music, and more; plus additional perks at select events
Terms & eligibility
Subject to event availability; while supplies last; not all seats may be offered
Government source · Aug 24, 2026Included
American Express Venue Collection™
AccessEnhanced experience at select stadiums and arenas including dedicated entrances or fast lanes; enroll your Card and get 10% back on qualifying concessions purchases up to $250 per calendar year
Terms & eligibility
Must enroll one Card per Card Member; qualifying concessions only at Venue Collection stadiums/arenas
Government source · Aug 24, 2026Est. value
~$250
per_use
Send & Split® (Venmo/PayPal Integration)
AccessSend money and split purchases with other Venmo or PayPal users in the Amex App, without standard Venmo or PayPal credit card fee; split purchases and get paid back directly to Card as statement credit
Terms & eligibility
Must enroll in Send & Split via Amex App; terms apply
Government source · Aug 24, 2026Included
Membership Rewards® Points Transfer to 20 Airline and Hotel Partners
AccessTransfer Membership Rewards points to 20 airline and hotel travel partners
Terms & eligibility
Subject to receiving program terms; minimum transfer amounts may apply
Government source · Aug 24, 2026Included
Downgrade paths
Product changes usually keep your account age and credit line. Retained-value figures are estimates — confirm specifics with the issuer.
Move to American Express® Green Card (downgrade within Membership Rewards personal charge card family)
$150/yr
Community-reported · not guaranteedRetained value not quantifiedExisting Amex Gold cardmembers in good standing; product change available within the same card family per NerdWallet Aug 6, 2026; subject to Amex's product change eligibility matrix Call American Express customer service at (800) 528-4800 and request to switch to the Amex Green Card per wallethub.com Jul 27, 2026; account typically open ≥12 months; subject to credit approval; Amex product changes can only be made within the same card family (per NerdWallet)
Government source · Aug 24, 2026Move to American Express® Blue Cash Everyday® Card (no AF, but cross-family product change — UNCONFIRMED)
no annual fee
Community-reported · not guaranteedRetained value not quantifiedExisting Amex Gold cardmembers in good standing; product change availability UNCONFIRMED — Amex product changes typically must be within the same card family per NerdWallet; Blue Cash Everyday is a Cash Back family card, NOT a Membership Rewards card, so cross-family product change may not be available Call American Express customer service at (800) 528-4800 and request product change; UNCONFIRMED whether this cross-family product change is permitted
Government source · Aug 24, 2026Move to The Platinum Card® (Upgrade path — not downgrade)
$895/yr
Community-reported · not guaranteedRetained value not quantifiedExisting Amex Gold cardmembers in good standing may be able to upgrade to Amex Platinum; product change available within the same Membership Rewards personal charge card family per NerdWallet; subject to Amex's product change eligibility matrix Call American Express customer service or use online product change option if available; account typically open ≥12 months; subject to credit approval; cannot have received a Platinum new account bonus in past 48 months (per Amex bonus rules)
Government source · Aug 24, 2026
Recent retention offers
Government source · Aug 24, 2026- upd. 2 months agoOffer reported2026-04 (Reddit r/AmexPlatinum thread 'Retention Offer DP 04/18/26')
15k points for $3k spend in 3 months. AMEX Gold ... People still routinely get 30-45K.
$3,000 in 3 months spend3 months1 datapoints · low confidence - upd. 2 months agoOffer reported2026 (Reddit r/amex thread 'Amex Gold Retention Offer')
we agreed on an offer for 25,000 points as a retention offer … gold $325 annual fee for 32,500 MR points
UNCONFIRMED (not specified in snippet) spendUNCONFIRMED (not specified in snippet)1 datapoints · low confidence - upd. 2 months agoOffer reported2026-03 (Reddit r/amex thread 'Gold Card Retention Offer Accepted')
Another data point (March 2026): Offered 20k MR or $200 statement credit for $2k in purchases in 3 months. Took the statement credit.
$2,000 in 3 months spend3 months1 datapoints · low confidence - upd. 2 months agoOffer reported2025-09 (Reddit r/CreditCards thread 'Amex Gold Retention Offer Data Point Sept 2025')
Offered 20k points, $2k spend, 3 months. was offered $200 credit, $2k spend, 3 months. Additional info: Spend between 5-10k per year on the [card]
$2,000 in 3 months spend3 months1 datapoints · low confidence - upd. 2 months agoOffer reported2026 (Reddit r/AmexPlatinum thread 'Is Amex getting stingy with retention offers')
Unfortunately there is no retention offer available right now on the account. Retention offer on Amex Gold, around 60k spend in 12 months
n/a — no offer extended despite ~$60K spend in 12 months spendn/a1 datapoints · low confidence
Offers vary by account and eligibility. Reported outcomes are not guaranteed. Community data shown here is an illustrative sample — never rely on it as a promise of what you'll be offered.
Information is provided for educational and decision-support purposes and may change. Always confirm current terms, benefits, eligibility, fees, and offers directly with American Express.