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Annual Fee$325Effective: -$99
APR20.24% - 29.24%
Sign-up Bonus100,000 Membership Rewards points~$1000 value
Rewards4X dining & groceries
Credit Scoreexcellent
Foreign FeesNone
+ Pros
- ✓Highest flat earn rate on dining/groceries
- ✓Credits exceed annual fee
- ✓Massive 100K sign-up bonus
− Cons
- ✗$325 annual fee (offset by credits)
- ✗No lounge access
- ✗Amex not accepted everywhere
Rewards Breakdown
| Category | Rate | Monthly Spend | Annual Value |
|---|---|---|---|
| Restaurants | 4X | $500/mo | $480 |
| U.S. Supermarkets | 4X (up to $25K/yr) | $800/mo | $600 |
| Flights (direct) | 3X | $100/mo | $120 |
| All Other | 1X | $600/mo | $72 |
| Total Estimated Annual Rewards | $1272 | ||
Perks & Credits
$120/yr
Uber Cash
$10/month credit for Uber Eats or rides. Does not roll over.
$120/yr
Dining Credit
Statement credits at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar.
$100/yr
Resy Credit
Dining credit when booking through Resy at select restaurants.
$84/yr
Dunkin' Credit
$7/month credit at Dunkin' Donuts locations.
17+
Transfer Partners
1:1 transfer to airlines (ANA, Air France, Delta, Singapore) and hotels (Hilton, Marriott).
Included
No Foreign Transaction Fees
Use worldwide without extra charges.
Total Annual Credits: $424 vs $325 fee = +$99 net positive
CFPB Consumer Complaints(Last 12 months)
4,798Credit card complaints
0%Timely response rate
Source: CFPB Consumer Complaint Database. Complaints are not necessarily evidence of wrongdoing.
Who This Card Is For
- →Families spending $500+/month on groceries — the 4X rate at supermarkets earns $480+/yr on groceries alone, more than paying the fee.
- →Frequent diners who eat out 3+ times a week — 4X on restaurants worldwide is the highest flat dining rate available.
- →Points maximizers who want to transfer to airline partners for premium redemptions (business class to Japan via ANA for 75-88K points).
Who Should Skip This Card
- →People who shop mostly at Walmart, Target, or Costco — these stores code as superstores, not supermarkets, and only earn 1X.
- →Anyone who won't use at least 3 of the 4 annual credits — if you skip Uber, Resy, or Dunkin', the effective fee climbs fast.
- →Travelers who prioritize lounge access — the Gold Card has no lounge benefit (you need the Platinum for that).
How It Compares
| Card | Annual Fee | Best Rate | Score |
|---|---|---|---|
| American Express Gold Card (this card) | $325 | 4X | 4.8/5 |
| Chase Sapphire PreferredBest Starter Travel Card | $95 | 5X | 4.7/5 |
| Capital One Venture XBest Premium Travel Card (Simplicity) | $395 | 2X | 4.6/5 |
| Blue Cash Preferred Card from American ExpressBest for Groceries | $95 | 6% | 4.4/5 |
Frequently Asked Questions
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Last updated: 2026-03-30