4X at U.S. supermarkets — best for heavy grocery + dining spenders who use the annual credits.
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Good–Excellent credit — 700+ FICO typical; hard pull required
ClearValue Rating: 4.1 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Heavy grocery and dining spenders who can consistently use the dining, Uber, Resy, and Dunkin' credits each year.
Amex Gold carries a $325 annual fee, offset by up to $424/yr in combined credits — $120 dining credit, $120 Uber Cash, $100 Resy credit, and $84 Dunkin' credit — if used consistently. It earns 4X at U.S. supermarkets (up to $25,000/year) and 4X at restaurants worldwide, with no foreign transaction fee.
| Year 1 value | Ongoing value |
|---|---|
| 60K-point welcome bonus (~$900–$1,200 in travel) + up to $424 in annual credits against the $325 fee | 4X U.S. supermarkets + dining; up to $424/yr across 4 credits; $325 annual fee; no FX fees |
| U.S. supermarket 4X capped at $25K/year; credits: $120 dining + $120 Uber Cash ($10/mo each), $100 Resy (semi-annual), $84 Dunkin' ($7/mo) | |
American Express Gold Card — 4X at U.S. supermarkets — best for heavy grocery + dining spenders who use the annual credits. Best for: Heavy grocery and dining spenders who can consistently use the dining, Uber, Resy, and Dunkin' credits each year.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
The American Express Gold Card earns 4X Membership Rewards points at U.S. supermarkets up to $25,000 per calendar year in combined supermarket purchases. After the cap, the earn rate drops to 1X. The $25,000 cap is rarely binding for household grocery budgets. Walmart, Target, and warehouse clubs are typically not categorized as supermarkets by Amex. Per American Express issuer terms, verified June 2026 — verify at americanexpress.com.
For heavy grocery and dining spenders who can use the credits, the effective net annual fee can be low. The card includes up to $424 in combined annual credits — a $120 dining credit, $120 Uber Cash, $100 Resy credit, and $84 Dunkin' credit — which can exceed the $325 fee if used consistently across all four. The 4X grocery and dining earn rate on top of that is strong. If you would regularly miss the credits, the effective fee is the full $325 and the card is harder to justify vs. Amex Blue Cash Preferred at $95. Verify current fee and credit terms at the American Express website.
No. ClearValue Lending is not a bank, card issuer, lender, or financial advisor. This review presents publicly available editorial information about the American Express Gold Card. The card is issued and operated by American Express National Bank. Reward rates, caps, fees, and terms are determined solely by American Express and may change — verify current terms at americanexpress.com before applying.
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Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
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