About American Express® Gold Card Offer
The American Express® Gold Card offers an enticing rewards
structure: earn 4X Membership Rewards® points on dining purchases
worldwide—now capped at $50,000 per calendar year, after which
cardholders revert to 1X points. This marks an important update for
frequent diners, especially those whose spending nears—or exceeds—that new
threshold.
Quick Overview
- 4X
Membership Rewards® points on dining at restaurants worldwide,
up to $50,000 in calendar-year spending. Purchases beyond that earn
1X point per dollar.
- 4X
points at U.S. supermarkets, capped at $25,000 annually,
then 1X thereafter.
- Other
earnings:
- 3X
points on flights booked directly with airlines or via
AmexTravel.com.
- 2X
points on prepaid hotels and certain other eligible travel purchases.
- 1X
point on all other purchases.
- Annual
fee: $325.
- Statement
credits that help offset the fee include:
- Up
to $120 Dining Credit (enrollment required): $10/month at select
restaurants/services like Grubhub, Cheesecake Factory, Goldbelly,
Wine.com, Five Guys.
- Up
to $120 Uber Cash: $10/month when you use the Gold Card for Uber
rides or U.S. Uber Eats; must select Amex at checkout.
- $84
Dunkin’ Credit: up to $7/month at Dunkin’ locations (enrollment
needed).
- $100
Resy Credit: up to $50 semi-annually on Resy dining and eligible
charges (enrollment required).
Direct Link To Offer
What’s New & When It Takes Effect
Beginning January 1, 2025, the 4X points on
restaurant spending will be capped at $50,000 per calendar year.
Previously, there was no spending limit on that bonus category.
Is It Worth It?
Yes—if you maximize its earning potential and statement
credits, the Gold Card is very profitable.
- For
foodies and grocery fans: The 4X bonuses in top spending categories
make this card a standout. For most users, the $50K dining cap covers far
more than they’d realistically spend, so it’s unlikely to hit the limit.
- Annual
fee offset: You get up to $424 in annual credits (dining, Uber, Resy,
Dunkin’)—that already exceeds the $325 fee—and you still have the 4X
rewards to supplement.
- Top-tier
value for redemptions: Membership Rewards points are transferable
to multiple airline and hotel partners—great for maximizing travel value
versus statement credits or flat redemption.
- Minus
points: If you don’t spend heavily on dining or groceries, or don't
utilize credits well, the card becomes less compelling—especially compared
to simpler, no-fee alternatives.
Review
For the right user, this Gold Card remains a top
performer:
- If
you consistently dine out and grocery shop and can leverage its statement
credits, the value far outweighs the fee.
- The
upcoming $50K dining cap is unlikely to hinder most cardholders—but do
know it's there.
- If you don’t use the card in these key ways, you’re probably better off with a lower-fee or simpler alternative.