American Express Gold Card 2026 Review

Mika L.
Written by Mika L.
Financial Content Writer
Mat C.
Edited by Mat C.
Managing Editor & Senior Developer

American Express Gold Card4.2/5

American Express

Annual fee
$325
Rewards rate
4%-1%
Welcome Bonus
60,000 Bonus Points
Apply Now →on American Express's website
Regular APR:19.49%-28.49% Variable APR

  • 4%Points at restaurants
  • 3%Points on flights booked directly with airlines
  • 1%Points on all other purchases

Welcome Bonus:

Earn 60,000 Membership Rewards points after you spend $4,000 on purchases in the first 6 months.

Reward Rate:

Earn 4x points at restaurants, including takeout and delivery, and 3x points on flights booked directly with airlines or on amextravel.com.

APR:

19.49%-28.49% Variable APR

This card shines for its high rewards rate on dining, making it an excellent choice for food lovers who want to earn points while enjoying their meals.

Pros:

  • High rewards on dining
  • Lower annual fee compared to other premium cards

Cons:

  • Limited travel rewards
  • Annual fee still applies
Apply now →

The American Express Gold Card is particularly well-suited for frequent diners and food enthusiasts who can maximize its 4% rewards rate on dining purchases. With a significant annual fee and a strong welcome bonus, this card offers value primarily to those who regularly spend in the applicable categories and can take advantage of the rewards structure.

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