Cash Back · Travel
American Express Gold
Every rate below is the issuer’s own, verified August 27, 2026.
−$325Annual fee
$1,000Welcome bonus, conservatively
1xOn everything else
Terms apply. See rates & fees on American Express. Rankings are pure math, never sold.
The rates
How it earns
Every rate here is the issuer’s published number. Points are valued conservatively, in cash-equivalent dollars.
Earn rates American Express Gold
Dining · up to $50,000 a year4x
Groceries · up to $25,000 a year4x
Travel3x
Everything else1x
Welcome bonus · Up to 100,000 points after $8,000 spend in 6 months (offers vary)$1,000
Dining credits · realistic use · $240 face value$120
Resy credit · realistic use · $100 face value$50
Annual fee−$325
Know before you apply
Plain facts
- Who gets approvedGood credit, around 670+. Typically wants good-to-excellent credit history (estimate; Amex does not publish a score).
- The issuer’s terms governRates, fees and bonus conditions are set by American Express and change without notice. Confirm the current offer before you apply.
- Where these numbers came fromCollected by hand from American Express’s own published terms, last verified August 27, 2026. An automatic check re-reads that page every day. On September 4, 2026 all 7 of the figures it watches here were still printed there.
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