American Express® Gold Card
American Express
- 4%Cash back on dining and U.S. supermarkets
- 3%Cash back on flights booked directly or via AmexTravel.com
- 2%Cash back on prepaid hotels through AmexTravel.com
- 1%Cash back on all other purchases
Earn 100,000 Membership Rewards® points after you spend $6,000 in eligible purchases on your new Card within the first 6 months.
Earn 4x Membership Rewards points at restaurants and U.S. supermarkets, 3x on flights, and 1x on other purchases.
21.99%-28.49% Variable APR
The American Express Gold Card stands out as the top choice because it offers exceptional rewards on dining and groceries, making it ideal for food enthusiasts. With substantial credits and flexible Membership Rewards, it provides significant value despite its higher annual fee.
Pros:
- High rewards on dining and groceries
- Flexible Membership Rewards
Cons:
- High annual fee
- No airport lounge access
The American Express® Gold Card is particularly suitable for individuals who frequently dine out or purchase groceries, as it offers high rewards rates in these categories. While the annual fee may be a consideration, the substantial welcome bonus and flexible rewards structure can deliver significant value for those who maximize their spending in the card's primary reward areas.