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9th July 2022

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American Suppose Gold card overview: Advantages & rewards | CNN Underscored

Myth highlights

Attributable to the a sizable collection of annual credit opportunities, the American Suppose® Gold Card can nearly pay for itself

Amex Membership Rewards facets earned with the cardboard are extraordinarily treasured when redeemed for stride back and forth

The cardboard is marvelous for those that utilize a complete bunch money at ingesting areas and U.S. supermarkets


CNN Underscored opinions financial merchandise such as credit playing cards and bank accounts per their general price. We could possibly merely discover a commission through the LendingTree affiliate community for those that apply and are permitted for a card, however our reporting is continuously fair and aim. Phrases apply to American Suppose advantages and affords. Enrollment could possibly merely be required for select American Suppose advantages and affords. Discuss to to study more.

Our rapidly utilize: The American Suppose® Gold Card is a foodie’s dream, allowing you to rack up masses of Membership Rewards facets with its bonus classes on dining worldwide and at US supermarkets. The most approved limited-edition Rose Gold make is now lend a hand as a permanent choice, and thanks to the the cardboard’s annual credits, the Amex Gold can practically pay for itself every yr.


  • With up to $120 in dining credits and up to $120 in Uber Cash included credits yearly, card members can successfully accumulate and protect the cardboard for upright $10 yearly.
  • Put an industry-leading 4 facets for every greenback you utilize on dining worldwide.
  • Put 4 facets per greenback at U.S. supermarkets, up to $25,000 per yr (and 1 point per greenback thereafter).
  • Put 3 facets per greenback on flights booked straight with airlines.


  • Credit ranking require planning and technique to maximise.
  • A selection of playing cards could possibly merely be greater for on a typical basis purchases.
  • $250 annual price (scrutinize charges and charges).
  • High 17.49% to 24.49% variable APR on eligible prices for those that pay over time (scrutinize charges and charges).

Recent welcome bonus: Put 60,000 bonus facets after you utilize $4,000 on eligible purchases interior the first six months after opening the narrative.

Most nice for: Parts-minded travelers who utilize critical money every month on dining, groceries and stride back and forth.

The American Suppose Gold is a standout card, largely because of the its sure efforts to be high-of-pockets in a few classes which can per chance per chance be critical to many US households. Need a explore at your funds — attain you utilize a marvelous quantity of you cash on meals? Probability is, the solution is yes.

Amex designed the Gold Card to cater to folks that utilize nontrivial quantities at ingesting areas and on groceries, providing 4 facets for every greenback you utilize at ingesting areas worldwide and at supermarkets in the US (up to $25,000 in purchases yearly and 1 point per greenback after that). You’ll additionally discover 3 facets per greenback on flights booked straight with airlines, which isn’t too shabby.

The present 60,000-point welcome bonus on the Amex Gold — on hand after you utilize $4,000 on purchases to your first six months of card membership — is the marvelous bonus offer we’ve ever seen on hand on this card. And folks American Suppose Membership Rewards facets are price as a minimal $600 for those that redeem them through Amex Tear for airfare, and potentially a ways more than that with Amex’s airline and resort transfer partners.

Moreover, in 2018, American Suppose launched a limited-time Rose Gold make for the Amex Gold, which changed into so current that it changed into brought lend a hand again for a little of whereas in 2019. Now, the Rose Gold make is a permanent choice for original card members. That suggests that you must possibly per chance possibly also fabricate a alternative from both the distinctive Gold or Rose Gold for those that’re permitted for the cardboard.

However here’s the most efficient allotment: Must you combine the bonus with up to $120 in annual dining credits on the cardboard and up to $120 in Uber Cash yearly, American Suppose is literally nearly paying you to protect this card.

Click here for the bonus offer on the American Suppose Gold card.

The largest long-term marvelous thing in regards to the American Suppose Gold is its fine earning rate at U.S. supermarkets and ingesting areas worldwide. Without a foreign transaction charges (scrutinize charges and charges), this wants to be your stride-to card for dining at ingesting areas in every single draw you stride. Essentially, those bonus classes are so stable that it could possibly possibly per chance merely be price preserving this card even for those that handiest ever exercise it for dining and groceries.

On condition that this is amazingly mighty a meals lover’s card, it comes as no shock to scrutinize up to $120 in annual commentary credits are on hand for select dining spots as successfully. And beginning on June 2, 2022, a ways more partners had been added, supplying you with more opportunities to use your dining credits. Possibilities are you’ll per chance per chance also effect up to $10 in commentary credits every month (so, $120 yearly) for those that pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak Dwelling, Boxed, participating Shake Shack locations and now Milk Bar, and GoldBelly.

Get up to $10 in credits each month for purchases at Grubhub and other select dining establishments.

However that’s handiest the half of of it. The Amex Gold additionally comes with $10 in Uber Cash every month. Uber Cash could also be ragged both for Uber rides in the US, or on meals offer orders made with Uber Eats. Add it all collectively, and you’re getting up to $240 in credits every 12 months. Attributable to the Amex Gold has an annual price of $250, for those that can per chance exercise the general credits, you’re successfully paying handiest $10 for the cardboard yearly.

And then there are the facets. How mighty potential price can you accumulate with the Membership Rewards facets you effect with the Amex Gold? One choice is to alternate facets for income grunt to pay down the steadiness due on your commentary. Must you redeem that formulation, every point nets you 0.6 cents.

Possibilities are you’ll per chance per chance also additionally shop at Amazon with Amex facets at a rate of 0.7 cents apiece, or redeem for an array of reward playing cards or for airfare at Amex Tear at 1 cent per point. Plus, Amazon typically affords additional reductions on purchases when the usage of Amex facets to pay for even a allotment of your grunt.

However whereas the above alternate choices are easy — and yes, it’s significant to bear easy alternate choices — savvy travelers will want to use Amex’s 20 transfer partners for mighty redemptions. Amex has partnerships with myriad hotels and airlines, enabling Membership Rewards facets to be ragged for stride back and forth that can per chance per chance be prohibitively costly if paid for in cash.

Connected: Detect CNN Underscored’s data to the most efficient stride back and forth credit playing cards currently on hand.

Amex additionally involves a baggage insurance notion on the Gold Card, covering eligible lost, damaged or stolen baggage for those that accumulate your entire fare for a airplane, put collectively, ship or bus label with the cardboard. As well to, you’ll discover secondary vehicle condominium loss and hurt insurance for many vehicle sorts and in most international locations.

And the Amex Gold additionally comes with slouch prolong insurance, which implies if your slouch is delayed more than 12 hours because of the a lined motive, that you must possibly per chance possibly also effect up to $300 in unexpected prices reimbursed.

Just a few overpassed-however-principal perks: American Suppose cardholders tend to be eligible for early accumulate entry to to tickets through Ticketmaster. Getting a head commence on label sales could possibly merely be the disagreement between an enviable seat and a chair in the nosebleeds.

Moreover, Amex Affords were somewhat colossal as of slack. Right here is a rotating collection of reductions, covering all the things from clothing to tax preparation design to stride back and forth. Of us that fabricate a addiction of watching new ones pop up can assign a complete bunch per yr on purchases they had been planning to manufacture anyway.

Put nearly as mighty in annual credits as you pay for the American Suppose Gold card.

The Amex Gold is a good choice for dining and at supermarkets, but not as an everyday card.

The American Suppose Gold is a specialised card. Beyond dining, supermarkets and airfare, you’ll effect handiest 1 point for every greenback you utilize on all the things else. This capacity the cardboard works easiest when paired with a card take care of our benchmark bank card, the Citi® Double Cash Card, for purchases that don’t fall into the Gold Card’s bonus classes.

Whereas the included credits are price nearly as mighty as the annual price yearly, they utilize a little of technique to exercise. The credits are capped at $10 per thirty days, so that you must possibly per chance possibly also’t upright exercise them in one fell swoop. Plus, the checklist of eligible ingesting areas is small. Must you dwell in an metropolis draw the build Grubhub and Seamless are on hand, the usage of this credit turns into more uncomplicated. However for those that don’t, maximizing the dining credit could also be a subject.

Moreover, whereas this won’t affect many families, the 4x return at U.S. supermarkets is capped at $25,000 per calendar yr with the Gold Card. Must you utilize more than that on groceries in a yr, you’ll effect upright 1 point per greenback after that.

In the rupture, it’s price pointing out that Membership Rewards facets utilize some finding out and effort to in actuality maximize. Managing transfer partners and facing dynamic award charts could possibly merely feel take care of too mighty work for many, and that you must possibly per chance possibly also’t with out complications transfer Amex facets to pals who could possibly merely specialize in this as a hobby. Must you’re procuring for stride back and forth rewards which can per chance per chance be more uncomplicated to redeem, you’ll seemingly want to protect a card take care of the Capital One® Mission® Rewards Credit ranking Card or Scramble Sapphire Most current® Card as a change.

CNN Underscored has chosen the Citi Double Cash card as our “benchmark” bank card. That doesn’t mean it’s the most efficient bank card in the marketplace — somewhat, it capacity we exercise it as a unprecedented identical outdated to look at other credit playing cards and scrutinize the build they ranking greater, and the build they’re worse.

Right here’s how the Amex Gold ratings towards our benchmark. The weather of every card in the below chart are colored in inexperienced, crimson or white. Green signifies a card feature that’s greater than our benchmark. Purple signifies the feature is worse than our benchmark, and white signifies the feature is both identical or can not be straight in comparison to our benchmark.

Citi Double Cash Card American Suppose Gold Card
Card variety Mastercard American Suppose
Signal-up bonus None 60,000 facets after spending $4,000 in the first six months
Earning rate 2% on all purchases (1% for those that capture, 1% for those that pay it off) 4 facets per greenback on dining worldwide, 4 facets per greenback at U.S. supermarkets up to $25,000 per yr (1x thereafter), 3 facets per greenback on airfare booked straight, 1 point per greenback on all other purchases
Redemption price 1 cent (cash lend a hand) As a lot as 1 cent per point when reserving through American Suppose Tear, 2.0 cents per point for transfers*
Ease of unprecedented redemptions Easy Easy
Developed redemption alternate choices Can transfer facets to 16 airline partners for those that additionally bear the Citi Premier℠ Card Yes, transfer to 20 airline and resort partners
Effective of evolved redemptions Correct Immense
Annual price $0 $250
International transaction price 3% 0%
Tear perks None None
Interact protections None Interact Security, Prolonged Guarantee
Tear protections None Secondary Auto Protection, Commute Prolong Repayment, Misplaced Baggage Insurance
A selection of perks None As a lot as $120 in annual dining credits and up to $120 in annual Uber Cash
Introductory accumulate curiosity rate None None
Introductory accumulate curiosity length N/A N/A
Long-established accumulate curiosity rate 15.49%-25.49% variable 17.49%-24.49% variable (pay over time)
Introductory steadiness transfer rate 0% None
Introductory steadiness transfer length 18 months N/A
Introductory steadiness transfer price 3% or $5, whichever is greater N/A
Per point valuations calculated by frequent flyer online page The Parts Man.

When reviewing other credit playing cards, we exercise this layout and these criteria to look at them with our benchmark. Possibilities are you’ll per chance per chance also study our bank card methodology for more small print on what we protect in mind when it comes to perks, protections and redemption price.

Commence earning bonus facets at ingesting areas and U.S. supermarkets with the Amex Gold card.

For foodies, there’s one other significant bank card to keep in mind: the Capital One® Delight in® Cash Rewards Credit ranking Card. This cash lend a hand bank card has a $95 annual price and affords limitless 4% cash lend a hand on dining, leisure and eligible tune and video streaming services and products, 3% cash lend a hand at grocery stores and 1% cash lend a hand on all other purchases. Must you utilize cash lend a quit stride back and forth facets or miles, the Delight in card could possibly merely be the fashion to head — seriously for those that can per chance’t with out complications leverage the annual credits on the Amex Gold.

On the opposite hand, whereas cash lend a hand is infinitely more flexible than stride back and forth rewards — that you must possibly per chance possibly also utilize cash wherever — you additionally can’t fabricate bigger the price of cash lend a hand the fashion you potentially can with facets or miles. Membership Rewards facets could also be ragged with Amex’s transfer partners to ranking top rate trips for loads no longer up to you’d typically pay in cash, successfully increasing the price of your facets for those that redeem them.

Moreover, despite the truth that it could possibly possibly per chance merely no longer be straight apparent, those who’re fond of the bonus classes on the Amex Gold must aloof additionally leer at the Hilton Honors American Suppose Surpass® Card. With a $95 annual price, this card earns 6 Hilton Honors facets for every greenback you utilize at U.S. ingesting areas, U.S. supermarkets and U.S. gasoline stations.

However protect in mind that facets aren’t all created equal. Per the purpose valuations of frequent flyer online page The Parts Man, American Suppose facets are price 2 cents apiece, whereas Hilton facets are handiest price 0.6 cents every. That makes 4 facets on the Amex Gold price 8 cents, whereas 6 Hilton facets are price upright 3.6 cents.


The American Suppose Gold is a must-bear for those that know they’ll utilize carefully at ingesting areas and U.S. supermarkets, and who additionally bear the patience to maximise their Membership Rewards facets through Amex’s transfer partners. Whereas playing cards take care of the Capital One Delight in bear a decrease annual price and no hoops to soar through to redeem you cash lend a hand, the 60,000-point bonus on the Amex Gold and credits that can also be price nearly as mighty as the annual price fabricate it the winner upright now.

So for those that’re having a explore to redeem bank card rewards for extraordinary stride back and forth, and you utilize a lot of your time ingesting in or dining out, the Amex Gold typically is a mountainous match for you. And for those that protect it’s a card that wants to be to your pockets, guarantee to capture it now and accumulate it with the marvelous welcome bonus offer we’ve ever seen for it, and credits that fabricate the cardboard nearly pay for itself.

Learn more in regards to the American Suppose Gold Card.

Gain out which playing cards CNN Underscored chose as our easiest credit playing cards currently on hand.

Get hang of the general latest non-public finance offers, news and advice at CNN Underscored Money.

American Suppose accumulate safety, extended warranty, slouch prolong insurance, baggage insurance notion and vehicle condominium loss and hurt insurance eligibility and lend a hand phases fluctuate by card. Phrases, prerequisites and limitations apply. Discuss to for more small print. Interact safety, extended warranty, baggage insurance, and vehicle condominium loss and hurt protection underwritten by AMEX Assurance Firm. Commute prolong insurance underwritten by New Hampshire Insurance Firm, an AIG Firm. Car condominium loss and hurt protection equipped through American Suppose Tear Connected Services Firm, Inc.

Editorial Disclaimer: Opinions expressed listed below are the creator’s by myself, no longer those of any bank, bank card issuer, airlines or resort chain, and bear no longer been reviewed, permitted or in every other case counseled by any of these entities.

Existing: Whereas the affords talked about above are legal at the time of publication, they’re subject to alternate at any time and could possibly per chance merely bear changed, or could possibly merely no longer be on hand.

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