American Express® Gold Card: One of the most rewarding dining cards available

The American Express® Gold Card is one of the most rewarding cards to use for dining and at U.S. supermarkets. Not only does the card give you more points in these categories, but it features a $10 monthly dining credit. (Enrollment required, terms apply). The American Express® Gold Card has an annual fee of $250. (See Rates and Fees)

The card offers 4x Membership Rewards points at restaurants worldwide, 4x points at U.S. supermarkets on up to $25,000 of purchases each year (then 1x), 3x points for flights booked directly with airlines or on amextravel.com, and 1x points on other purchases.

The card features a $120 dining credit (enrollment required) that you can use at Grubhub, plus other select restaurants and $120 of Uber cash. You’ll also benefit from the card’s suite of travel benefits, which includes trip delay insurance, Amex baggage insurance plan, and secondary car rental loss and damage insurance. The card also offers extended warranty and purchase protection.

American Express® Gold Card at a glance

Here’s what you need to know about the American Express® Gold Card.

Welcome bonus

American Express® Gold Card rewards

The American Express® Gold Card offers market-leading rewards on dining and on a limited amount of spending at U.S. supermarkets. Here are the details.

	4x	Restaurants worldwide.
	4x	U.S. supermarkets. On up to $25,000 per year, then 1x.
	3x	Flights booked directly with airlines or on amextravel.com.
	1%	Other eligible purchases

American Express® Gold Card rewards are earned as Amex Membership Rewards® points.

Benefits of the American Express® Gold Card

	Consumer insurance benefits Extended warranty Purchase protection
	Travel insurance benefits Trip delay insurance Baggage insurance plan Secondary car rental loss and damage insurance
	Statement credits and partner offers $120 Uber Eats Credit ($10 monthly) $120 dining credit ($10 monthly, enrollment required) ShopRunner (enrollment required) Amex Offers

Consumer insurance benefits

Many cards offer consumer insurance benefits that can protect the things you buy. Here are the consumer insurance benefits offered by the American Express® Gold Card. Terms and restrictions apply to all benefits.

Extended warranty provides additional warranty coverage on items you purchase with your card. American Express® Gold Card extended warranty protection extends the time period of the original manufacturer’s warranty by up to an additional year, on eligible warranties of five years or less.

Purchase protection protects the things you buy with your card from damage or theft for a certain amount of time after you buy them. Amex purchase protection covers your new purchases for 90 days against damage or theft up to $10,000 per covered purchase.

Travel insurance benefits

Cards targeted toward travelers often offer travel insurance benefits that can protect you when you are traveling away from home. Terms and restrictions apply to all benefits.

Trip delay insurance can cover your incidental expenses or a hotel room when your travel is delayed for a covered reason. The Amex trip delay insurance on the American Express® Gold Card covers delays of more than 12 hours and up to $300 per covered trip. You are limited to two claims per eligible card, per 12 month period.

Amex baggage insurance plan covers lost, damaged, or stolen baggage when you book your travel with your card. Baggage insurance on the American Express® Gold Card covers up to $500 for carry-on baggage and up to $1,250 for checked baggage.

Car rental loss and damage insurance protects you against damage to or theft of your rental vehicle. For coverage to apply, you need to reserve and pay for your vehicle using your card and decline your car rental company’s collision damage waiver. The coverage provided by your American Express® Gold Card is secondary to your personal auto insurance. 

Statement credits and partner offers

$120 in Uber Cash credits. Receive $10 in Uber Cash each month when you add your card to your Uber account. Credits can be used for Uber rides or Uber Eats purchases and must be used before the end of the month.

$120 in dining credits. Receive up to $10 each month when you charge purchases at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, and select Shake Shack locations to your card. Enrollment required.

ShopRunner. Get a free ShopRunner membership, which provides free 2-day shipping at select specialty merchants. Enrollment required. Terms apply.

Amex Offers – American Express cardmembers receive targeted merchant-specific deals through Amex Offers. These targeted offers are offered in partnership with merchants and range in value from a marginal amount of to rebates upwards of 25%. Enrollment is required to take advantage of an Amex Offer.

American Express card disclosures

Amex Basic Trip Delay Insurance benefit disclosure: Up to $300 per Covered Trip that is delayed for more than 12 hours; and 2 claims per Eligible Card per 12 consecutive month period.   Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

Amex Basic Baggage Insurance Plan benefit disclosure: Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

Amex Basic Car Rental Loss and Damage Insurance disclosure: Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

Amex Premium Purchase Protection benefit disclosure: Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited to up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply.   Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.