American Express Gold Card
American Express · American Express
Heavy restaurant and supermarket spending, where 4x does the work.
Vault Nerd estimate based on the card's tier and income requirements, not an official issuer cutoff. Approval also depends on income, debt, and credit history.
Reward rates
Prepaid hotels booked through Amex Travel | 5x |
Restaurants worldwide Up to $50,000 per calendar year | 4x |
U.S. supermarkets Up to $25,000 per calendar year | 4x |
Flights booked direct or through Amex Travel | 3x |
Prepaid car rentals booked through Amex Travel | 2x |
All other purchases | 1x |
Welcome bonus
Welcome offer varies by applicant, as high as 100,000 points.
Perks
- Good to excellent credit, roughly 690 and above
- Amex charge cards have no preset spending limit, so a purchase APR range is not published
Frequently asked questions
Is the American Express Gold Card worth it?
It charges a $325 annual fee. It's best suited to heavy restaurant and supermarket spending, where 4x does the work. Whether it's worth it for you depends on your spending. Run your own numbers through our credit card finder to see the net rewards after the fee.
What does the American Express Gold Card earn?
It earns 5x on prepaid hotels booked through amex travel, 4x on restaurants worldwide and 4x on u.s. supermarkets.
What credit score do you need for the American Express Gold Card?
We'd suggest a score of around 690 or higher, which puts approval in our "moderate" band. This is a Vault Nerd estimate based on the card's tier and stated requirements. Approval also depends on your income, existing debt and credit history.
Researching and writing about Canadian personal finance since 2026.
Last reviewed August 2026 · How we research
“American Express Gold Card Review.” Vault Nerd, https://www.vaultnerd.com/credit-cards/amex-gold, updated August 2026.
- American Express published product page and cardholder agreement