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When you open the American Express® Gold Card, you’ll earn 35,000 AMEX Membership Rewards points when you spend $4,000 on purchases in the first 3 months of account opening. You’ll also earn:
- 4X AMEX Membership Rewards points per $1 spent at restaurants
- 4X AMEX Membership Rewards points per $1 spent at US supermarkets, on up to $25,000 per calendar year in purchases (then 1X)
- 3X AMEX Membership Rewards points per $1 spent on flights booked directly with airlines or on Amextravel.com
The AMEX Gold Card is a great option for anyone who loves to dine out or buys lots of groceries at US supermarkets, and for frequent travelers. Those 4X bonus categories can add up fast! There’s a $250 annual fee (See Rates & Fees), but the card’s perks can certainly help offset that cost.
Here’s a detailed look at the AMEX Gold Card benefits and perks.
AMEX Gold Card Benefits and Perks
Apply Here: American Express® Gold Card
Read our review of the AMEX Gold Card
The American Express® Gold Card comes with a welcome bonus of 35,000 AMEX Membership Rewards points when you spend $4,000 on purchases in the first 3 months of account opening. While there’s a $250 annual fee (See Rates & Fees), you can get incredible value from the card’s benefits and perks to offset the cost.
1. Up to $120 Dining Credit Each Year
With the AMEX Gold card, you can get up to $120 in free food every year. And who doesn’t love free food? Here’s how it works.
You’ll get $10 per month in dining credit for purchases at:
- The Cheesecake Factory
- Ruth’s Chris Steakhouse
- Participating Shake Shack locations
So if you use the credit each month, that’s $120 in free chow! Just note, the credit can’t be used for merchandise or gift card purchases.
Of course, it would be great if the list of eligible eateries was longer, but GrubHub and Seamless are delivery services, so you can choose healthier restaurants if you have dietary restrictions, or want to order in with fewer calories.
Of course, who can spend $10 at a restaurant? You’ll likely spend $25+ each time you go out. So I consider this more of a rebate than anything else. And it’s only useful if you like the restaurants on the list.
2. Up to $100 Airline Incidental Credit
The AMEX Gold card offers cardholders up to $100 credit to use toward incidentals on your selected airline. Eligible purchases include things like seat upgrades and selection, checked bags, and much more.
If you’re a frequent traveler, there’s no doubt you’ll be able to find something to spend your yearly credit on. Heck, what’s wrong with treating yourself to an upgrade? Especially when the AMEX Gold card can help you offset the cost!
3. Access to AMEX Offers
AMEX Offers are a fantastic way to save money on everyday purchases. They’re targeted statement credits or bonus points that only folks with American Express cards receive, for things like shopping, travel, and dining.
I’ve saved hundreds of dollars over the years on expenses like dog sitters, household essentials, hotels stays, and more! All you have to do is add AMEX Offers to your card and make an eligible purchase to trigger the credit.
4. Rental Car Insurance
You can get primary rental car insurance with the card when you enroll in the American Express Premium Car Rental Protection program for up to 42 days.
You must decline the rental agency’s collision insurance and charge the entire rental to your AMEX Gold card to use the benefit.
If you rent vehicles often, this can be a tremendous money saver and give you peace of mind.
But you must opt-in to get coverage. If you don’t, coverage is secondary and covers up to a maximum of $50,000 per rental agreement.
5. Extended Warranty & Purchase Protection
AMEX will extend the original manufacturer’s warranty up to 2 additional years, on US warranties of 5 years or less, when you purchase an item with your AMEX Gold card. They’ll also match the warranty if it’s under 2 years.
As for purchase protection benefits, any purchases made with the card are protected from accidental damage or theft for up to 120 days, up to $1,000 per occurrence and $50,000 per calendar year. But the coverage is secondary.
6. Free ShopRunner Shipping
You’ll get a free ShopRunner membership with the card, which gets you free 2-day shipping at 100+stores. That’s worth $79 a year!
The AMEX Gold card comes with a 35,000 AMEX Membership Rewards points welcome bonus when you spend $4,000 on purchases in the first 3 months of account opening. And you’ll also get access to these benefits:
- 4X AMEX Membership Rewards points per $1 at restaurants
- 4X AMEX Membership Rewards points per $1 at US supermarkets, on up to $25,000 per calendar year in purchases (then 1X)
- 3X AMEX Membership Rewards points per $1 on flights booked directly with airlines or on Amextravel.com
- Up to $120 dining credit ($10 monthly) each year at participating restaurants (enrollment required)
- Up to $100 airline incidental fee credit each calendar year on your selected airline
- No foreign transaction fees (See Rates & Fees)
- Terms apply
You’ll also get benefits like free ShopRunner membership for 2-day shipping at 100+ stores and return and purchase protections. These perks can certainly help offset the card’s $250 annual fee, especially if you spend a lot in the bonus categories. Be sure to read our full review of the AMEX Gold card.
For rates and fees of the American Express® Gold Card, please click here.