Who should (and who shouldn’t) get the Amex Gold?


When it comes time to apply for your first (or fifth) travel rewards card, don’t ignore the American Express® Gold Card.

The Amex Gold has popular bonus categories, such as dining at restaurants worldwide and U.S. supermarkets, and earns valuable American Express Membership Rewards points.

And its $325 annual fee (see rates and fees) can be more than offset if you fully use the various dining and delivery-related statement credits each year.

Let’s explore the reasons why the Amex Gold is a great card to consider, along with who should — and shouldn’t — apply for it.

Key Amex Gold benefits

The Amex Gold‘s $325 annual fee might seem steep initially, but it can be fully offset if you take advantage of the card’s up to $424 in annual value (enrollment required for select benefits).

You’ll get up to $10 monthly in dining statement credits at participating locations such as Buffalo Wild Wings, The Cheesecake Factory, Five Guys, Goldbelly, Grubhub, Wine.com and Wonder (up to $120 per calendar year).

As part of the card’s recent refresh, Buffalo Wild Wings and Wonder were added as new partners, while Wine.com and Goldbelly will only be available through June 30 before being removed.

The update also introduced automatic Hertz Gold+ Five Star status, which includes benefits such as space-available upgrades and 25% more points earned on all rentals, totaling 1.25 points per dollar spent. Enrollment and registration are required for this benefit.

FIVE GUYS/FACEBOOK

You’ll also receive up to $10 per month in Uber Cash (up to $120 per calendar year), which can be used on Uber Eats orders or Uber rides in the U.S. (Uber Cash will only be deposited into one Uber account when you add the Amex Gold as a payment method and redeem with any Amex card.)

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Additionally, you’ll receive up to $50 biannually in Resy statement credits (up to $100 per calendar year). These credits can be used when you pay your bill with the Amex Gold at any U.S. restaurant enrolled in the Resy program. (No reservation is required for the statement credit to trigger.)

Lastly, you can earn up to $7 in Dunkin’ statement credits each month (up to $84 per calendar year). Just use your Amex Gold when you pay at a U.S. Dunkin’ location.

The Amex Gold also has impressive earning categories:

  • 5 points per dollar spent on prepaid hotels booked on AmexTravel.com and the Amex Travel App™
  • 4 points per dollar spent at restaurants worldwide (on up to $50,000 in spending per calendar year, then 1 point per dollar spent)
  • 4 points per dollar spent at U.S. supermarkets (on up to $25,000 in spending per calendar year, then 1 point per dollar spent)
  • 3 points per dollar spent on flights booked directly with the airline, through AmexTravel.com or on the Amex Travel App
  • 2 points per dollar spent on prepaid car rentals booked on AmexTravel.com and the Amex Travel App
  • 2 points per dollar spent on cruises and other eligible travel booked through AmexTravel.com
  • 1 point per dollar spent everywhere else
ZACH GRIFF/THE POINTS GUY

To celebrate its 60th anniversary, the Amex Gold is also rolling out a suite of limited-time perks. Cardmembers can enroll and get a one-time statement credit of up to $96 toward an annual Uber One membership (through Oct. 30), and a 20% transfer bonus when moving Membership Rewards points to Hilton Honors (through May 30).

There are also targeted Amex Travel offers at more than 250 Hotel Collection properties worldwide, which can include complimentary third or fourth nights, room discounts or on-property credits (minimum two-night stay required; available through July 15).

Eligible cardmembers may also see additional Amex Offers as part of the anniversary celebration (enrollment required; not everyone will be targeted for the same offers). Together, these promotions can further boost the card’s value — especially for frequent travelers.

If you’re interested in applying for the Amex Gold, find out your offer and see if you are eligible for as high as 100,000 bonus points after spending $8,000 on purchases within the first six months of card membership. (Welcome offers vary, and you may not be eligible for an offer.)

This welcome offer is worth up to $2,000 based on TPG’s May 2026 valuations.

Who should get the Amex Gold?

People who spend a lot on dining at restaurants and at U.S. supermarkets

Most people spend much of their budget at restaurants and grocery stores. If you want to up your points and miles game, you need a card in your wallet that earns a lot of rewards in these categories.

The 4 points per dollar spent earned on dining at restaurants worldwide (up to $50,000 per calendar year; then 1 point per dollar spent) and U.S. supermarket purchases (up to $25,000 per calendar year; then 1 point per dollar spent) amount to an impressive 8% return based on TPG’s valuation of Membership Rewards points at 2 cents each.

The 8% return potential makes this card a no-brainer for those who spend heavily on dining out and at supermarkets.

People looking to complete the Amex trifecta

While the Amex Gold is strong on its own, it’s even better as part of the Amex trifecta, alongside the American Express Platinum Card® and The Blue Business® Plus Credit Card from American Express.

To learn more, check out our full guide to the Amex trifecta.

Related: This might be the best Amex card combo: Amex Gold and Amex Business Platinum

People who can maximize the annual statement credits

One of the greatest ways the Amex Gold adds value is through its dining statement credits and Uber Cash. If you can max them out, you’ll cover the card’s annual fee and come out ahead (enrollment required for select benefits).

Couple sharing takeaway meal at home
OSCAR WONG/GETTY IMAGES

If you eat out or get takeout from one of the partner dining merchants, you should easily maximize the up to $10 monthly dining statement credit.

Additionally, when you add your card to your Uber account, you’ll receive $10 in Uber Cash deposited to your account monthly to use on U.S. rides and U.S. Uber Eats orders.

Furthermore, you’ll receive up to $50 in Resy statement credits biannually. These statement credits are incredibly easy to use, given no reservation is required.

Related: 8 ways to make the most of the Amex Gold Card’s benefits

People who are over 5/24 with Chase

At TPG, we almost universally recommend that you prioritize applying for Chase credit cards because of the issuer’s pesky 5/24 rule. Simply put, this rule means you will be automatically rejected for most Chase cards if you’ve opened five or more cards in the last 24 months.

Hands of a Man Taking his Credit Card out of His Wallet to make on Online Order on his Laptop Computer
FRESHSPLASH/GETTY IMAGES

Deciding what to do after you’ve filled your five Chase slots can be tricky, but the Amex Gold could be a strong next move.

Not only will you immediately begin earning a valuable transferable rewards currency, but the bonus categories will also help you earn toward your next award flight or hotel stay much faster.

Related: Ignoring Chase’s 5/24 rule? Here’s how that could cost you hundreds of thousands of points

People targeted for a great welcome offer

Since Amex has a once-per-lifetime policy with welcome offers, it always makes sense to try for the highest offer possible. The welcome offer on the Amex Gold can vary, so try different methods until you find the best offer.

Related: The best credit card welcome bonuses

Who shouldn’t get the Amex Gold?

The Amex Gold has the potential to be a very lucrative card, but several groups of people might struggle to get good value from it.

People who are under 5/24 and want more Chase cards

As mentioned above, Chase’s 5/24 rule is one of the most important considerations in building a starter strategy for cards. Five cards can seem like a lot to someone who has never had one before, but those slots fill quickly. Once you’ve used them up, it takes a while to get them back.

The Amex Gold will probably be around for a while, so there’s no reason to fire off an application for it right now if it means compromising your strategy with Chase.

If you want a card such as the Chase Sapphire Preferred® Card (see rates and fees) or Chase Sapphire Reserve® (see rates and fees) in the near future, you should consider locking those in first.

Related: Chase Sapphire Preferred vs. Amex Gold

People who live outside the U.S.

If you’re outside the U.S., this card is far less valuable, as its U.S. supermarkets bonus category and most of its statement credits are not useful abroad.

URBAZON/GETTY IMAGES

The card’s other perks, such as 3 points per dollar spent on flights booked directly through the airline, through AmexTravel.com or the Amex Travel App and an up to $100 statement credit each calendar year when booking through The Hotel Collection* (with every booking of two nights or more), are easily trumped by other premium rewards cards.

*Eligible charges vary by property.

Related: Earning points and miles as an expat

People who won’t max out the statement credits

The up to $10 monthly Uber Cash benefit, up to $10 in monthly dining statement credits, up to $50 biannual U.S. Resy statement credit and up to $7 monthly U.S. Dunkin’ statement credit you’ll get on the Amex Gold can be easy for many people to use, but no card perk is a great fit for everyone.

If it sounds like you’ll end up spending money you otherwise wouldn’t to take advantage of the Amex Gold’s benefits, you’re better off getting a card that comes with perks you’ll more naturally use.

It’s also worth checking to see if any Dunkin’ locations exist in your area. Certain states and territories like Puerto Rico, Oregon and Washington don’t have any Dunkin’ locations, so if you live in one of those areas, that statement credit will be fairly useless for you.

Those who live in more rural areas may find it difficult to use the Resy statement credit.

Enrollment is required for select benefits.

Related: A complete guide to the Amex Gold dining credit

People who’ve previously had an Amex Gold

Amex’s rule on bonus eligibility states that if you have previously received the bonus on a card, you will not be eligible to receive it again. This includes the American Express Premier Rewards Gold Card, the old version of the Amex Gold, as it is still technically the same product despite undergoing a heavy makeover.

If you’ve had the card before, you’ll likely want to get a different card that allows you to earn a welcome bonus.

The information for the Amex Premier Rewards Gold has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

People who want more comprehensive travel protections

The Amex Gold isn’t among the best cards with travel protections. For example, the rental car insurance* you get with the card is secondary, which means it only applies to expenses not covered by other insurance you have.

woman loading luggage into car, getting ready for a road trip
OSCAR WONG/GETTY IMAGES

If travel protections are important to you, you’ll be better off with the Chase Sapphire Preferred, Amex Platinum or Chase Sapphire Reserve, which all feature impressive travel coverage.

*Eligibility and benefit level varies by card. Not all vehicle types or rentals are covered, and geographic restrictions apply. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company. Coverage is offered through American Express Travel Related Services Company, Inc.

Bottom line

The Amex Gold is a valuable option for U.S.-based consumers who spend heavily on food and are looking for an in-between, premium-lite card that offers good returns without a hefty price tag.

If you can maximize all the benefits this card offers, it might become a cornerstone of your wallet. But if you live or frequently travel outside of the U.S. or can’t max out its statement credits, you may prefer one of our other favorite travel credit cards.

To learn more, read our full review of the American Express Gold.


Apply here: American Express Gold


For rates and fees of the Amex Gold, click here.



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Recent Reviews


Iceland doesn’t ease you in.

We landed at Keflavik Airport just as the sun was going down — and the views from the plane on descent were already something else. Golden light spilling across a volcanic landscape that looked like nothing I’d ever seen from 30,000 feet. That was our welcome to Iceland.

Four days later I left having seen the Northern Lights twice, walked inside a glacier, stood on a black sand beach in 50mph winds, and found a place that looked so much like Mars I genuinely had to remind myself I was still on Earth.

This is the exact route we took — every stop, every restaurant, every moment worth knowing about. My dad and I did this trip in January with Secret Spots Iceland, a local tour operator who knows these locations better than anyone. If you want a guided experience, they’re worth every penny. That said, every stop in this Iceland winter itinerary is completely doable on your own — and I’ll give you everything you need to navigate it independently.

Before you pack — check out our Iceland Packing List for exactly what to wear and bring. Waterproof everything. Trust me.

Before You Go: The Winter Light Reality

One thing nobody fully prepares you for in Iceland in winter the sunlight window is tiny.

Sunrise wasn’t until around 10:30am and sunset hit at roughly 4pm. That’s less than six hours of daylight. It sounds limiting but it actually works in your favor, the golden hour light lasts all day, every photo looks incredible, and the darkness gives you the best possible conditions for Northern Lights hunting.

Plan your driving between stops accordingly. Don’t underestimate how quickly it gets dark.

Day 1: Reykjavik & The Northern Lights

Keflavik Airport → Reykjavik (45 minutes)

Reykjavik

Flying into KEF is a dream. Grab your 4×4 rental car immediately, this is non-negotiable in winter, don’t even consider a standard vehicle — and make the 45-minute drive into Reykjavik.

Spend your first afternoon and evening exploring the city. It’s compact, walkable, and packed with personality. The main landmark is Hallgrímskirkja, the iconic church that towers over the city and gives you sweeping views over the rooftops from the top. Walk Laugavegur Street for coffee, food, and a feel for the city.

Eat somewhere local. Reykjavik punches well above its weight for food.

Reykjavík → Hvolsvöllur (90 minutes)

Hvolsvöllur

Here’s the decision that changed our entire trip: instead of staying in Reykjavik, we drove 90 minutes east to Hvolsvöllur for the night.

The reason? Light pollution. Reykjavik’s glow kills your Northern Lights chances. Hvolsvöllur is deep in the South Iceland countryside, dark skies, privacy, and dramatically better odds of catching the aurora.

It paid off immediately.

Within minutes of checking into our Airbnb, I glanced outside and noticed the sky looking a little more colorful than usual. I walked out. The Northern Lights were directly above us, green ribbons moving across the entire sky, on night one within an hour of arriving.

We spent 45 minutes outside. Just standing there, staring, filming, not saying much. One of those moments where you understand immediately that you’ll remember it for the rest of your life.

If you’re chasing the Northern Lights, and want to get the most out of this Iceland winter itinerary, get out of Reykjavik at night.

Day 2: The South Coast – Waterfalls, Black Sand & Basalt

The South Coast is Iceland’s greatest hits. Give yourself a full day and don’t rush any of it.

Seljalandsfoss

Seljalandsfoss

Your first waterfall, and what a way to start.

Seljalandsfoss drops 60 meters off a cliff face and, uniquely, you can walk behind it through a narrow passage carved into the rock. Standing behind a waterfall while it crashes in front of you is a genuinely surreal experience. The mountains flanking it on both sides make the backdrop even more dramatic.

Wear your waterproof gear here. You will get wet. That’s not a warning, it’s a promise.

Reynisfjara Black Sand Beach – Near Vík (R.I.P.)

Reynisfjara Black Sand Beach

We were lucky enough to be some of the last visitors to experience Reynisfjara before a section of the cliff collapsed, permanently changing the beach.

Even before that, this place was unlike anything I’d ever seen. Black volcanic sand as far as you can see, enormous basalt columns stacked like organ pipes along the cliff face, and waves arriving with absolutely zero warning.

The wind here was brutal. My dad had forgotten his waterproof pants and within minutes he was completely soaked. I was fine. Wear your waterproof gear. All of it.

The rogue waves at Reynisfjara are genuinely dangerous, people have been swept away here. Stay well back from the waterline no matter how calm it looks.

Lunch at Ströndin Pub – Vík

After Reynisfjara, stop in Vík for lunch at Ströndin Pub. I had one of the best burgers I’ve eaten anywhere. Warm, unpretentious, and exactly what you need after getting sandblasted on a black sand beach.

Skógafoss

End the day at Skógafoss and save energy for it because this waterfall deserves your full attention.

Unlike Seljalandsfoss where you walk behind the water, at Skógafoss you walk directly underneath it. The scale is enormous, 60 meters of water crashing down so close you feel the full force of the mist on your face. Don’t be scared to get close. The photos are worth it.

Climb the stairs to the viewing platform at the top for a completely different perspective over the South Coast.

Day 3: Ice Caves, Glaciers & The Best Pizza in Vík

Yoda Cave

Yoda Cave

Start the morning at Yoda Cave, a lava tube formation whose jagged entrance looks almost exactly like the Star Wars character. I didn’t realize it until we got there and then couldn’t unsee it.

The best part? We were completely alone. No other visitors, no tour groups, just us walking into a cave on a black sand beach feeling like genuine explorers. Coming out alive was a bonus. (Just kidding. Mostly.)

The adjacent black sand beach gives the whole spot an otherworldly backdrop that made it one of the most photogenic stops of the entire trip.

Glacier & Ice Cave Tour with KatlaTrack – The Experience of a Lifetime

Katlatrack Glacier & Ice Cave

Clear your afternoon. This tour runs about 3 hours and it is without question, one of the most unforgettable experiences of my life.

The guide loads you into what can only be described as a war-ready 4×4 and takes you off-road across a glacier. It feels like driving on another planet. When we reached the ice caves, the scene was straight out of Interstellar, icy mountains on every side, electric blue walls of compressed glacial ice, complete silence except for the crunch of boots on ancient ice.

We spent the next hour or two trekking in and out of the caves. Every turn revealed something more extraordinary than the last.

Wear every layer you brought. It’s cold, it’s wet, and it’s worth every second of discomfort.

Book KatlaTrack in advance, this tour sells out. Don’t leave it to chance.

Dinner at Black Crust Pizzeria – Vík

Back in Vík for dinner. There’s really only one pizza place in town Black Crust Pizzeria, and honestly, that’s fine. It’s excellent. After a day on a glacier, it’s exactly what you need.

Day 4: The Golden Circle – Craters, Geysers & Iceland’s Bluest Waterfall

The Golden Circle is Iceland’s most famous tourist route for a good reason. But we did it with a few detours that most visitors never find, and those ended up being the best moments of the day.

One important note for winter: sunrise on this day was around 10:30am. We timed our first stop perfectly for the golden hour light. Plan your Golden Circle day around the sunrise.

Ingólfsfjall – Sunrise Overlook

Ingólfsfjall

On the way to Kerið, we spotted a beautiful overlook called Ingólfsfjall and pulled over on instinct. The timing was perfect, it was right at sunrise, the light was golden, and the views over the surrounding landscape were extraordinary.

This is the kind of stop that doesn’t make it into most itineraries. Pull over for it. The drone shots here were some of my favorites from the entire trip.

Kerið Crater

Kerið Crater

A volcanic crater lake that looks like it fell from another dimension. Deep red and black crater walls surround vivid teal water at the bottom, the color contrast is almost artificial looking, especially in winter light.

Walk the entire rim and go down to the water. The perspective changes completely from every angle you view it from. Don’t just look from the top and leave.

The Secret Spot (Near Kerið – You’ll Know It When You See It)

The Secret Spot

Just a short distance from Kerið, we found a place I’m deliberately not naming or mapping.

The entire landscape was varying shades of red, orange, and black. So alien-looking that the only reference point I had was Mars. We had the whole place completely to ourselves. No other visitors. Just us, the drone, and a landscape that genuinely didn’t look like Earth.

We flew the drone all around and spent time just sitting with it, reflecting on how one country can contain ice caves that feel like Interstellar AND a red volcanic landscape that feels like Mars. Keep your eyes open on the roads around Kerið. You’ll recognize it immediately when you see it.

Gullfoss

Gullfoss

One of Iceland’s most iconic waterfalls, and one of the rare ones that actually lives up to every photo you’ve ever seen of it.

Gullfoss is so wide and encompassing that it made me feel genuinely small, which nature has a funny way of doing when it wants to put you in your place. Visit every viewpoint, each one gives you a completely different experience of the same waterfall. My favorite was the lower platform where you can feel the full force of it, mist was blowing directly into my face the entire time and I couldn’t have cared less.

Geysir – Strokkur

My first geyser. It didn’t disappoint.

Strokkur erupts every 7-10 minutes, shooting boiling water 20-30 meters into the air. The challenge is being ready with your camera every single time. Your arms will get tired holding the shot but the moment it erupts is absolutely worth it. You’ll watch it four or five times before you’re ready to leave.

There’s a visitor center right next to the geysir with a food court and a gift shop if you need to grab something for whoever you left at home.

Brú Horse Farm

Brú Horse Farm

A quick stop that became one of the warmest moments of the trip. Iceland’s native horses are a breed unlike any other, small, thick-maned, and completely uninterested in you unless you have snacks.

Buy the snacks. It’s the only way to get a good photo and honestly the horses’ complete mercenary attitude toward humans is hilarious and endearing at the same time.

Brúarfoss Waterfall My Favorite of the Entire Trip

Iceland’s bluest waterfall and the most undervisited stop on this entire itinerary.

The water here is a vivid cobalt blue that doesn’t look real. It’s fed by glacial meltwater filtering through ancient lava rock, and the color it produces is unlike anything else in Iceland. With the mountains in the background it was the most purely picturesque waterfall of the whole trip, not the biggest, not the most powerful, but the most beautiful.

Most Golden Circle visitors skip this entirely. Don’t be one of them.

The waterfall is intimate and quiet in a way that Gullfoss and Skógafoss aren’t. I flew my drone up and over it for some of the best footage of the trip. And then I just sat there for a while. Some places make you want to stop moving and just exist in them for a minute. Brúarfoss is one of those places.

Þingvellir National Park – End on a High

The final stop, and the right one to end on.

Þingvellir is where the North American and Eurasian tectonic plates meet above ground, creating a dramatic rift valley you can walk directly through. It’s also where Iceland’s first parliament was established in 930 AD, making it the most historically significant place on the entire route.

If you’re a Game of Thrones fan, there’s a section that will immediately remind you of the entrance to the Eyrie. You’ll recognize it the moment you see it.

We arrived at sunset. Overlooking the massive lake in that light, with the rift valley stretching out in every direction, it was the perfect way to close out four days in Iceland.

One Last Gift – Northern Lights at the Airport

Northern Lights

We ended the night at Keflavik Airport waiting for our flight home. And Iceland gave us one final send-off, the Northern Lights appeared directly above the airport while we waited to board.

Twice in four days. Iceland doesn’t do things halfway.

FAQ

Should I rent a car for my trip to Iceland in winter?

4×4 is mandatory in winter. Non-negotiable.

How long is it day in Iceland?

Sunrise ~10:30am, sunset ~4pm in January (Roughly 5 hours of daylight). Plan accordingly.

Should I hire a guide or go on my own?

We used Secret Spots Iceland for Days 2 and 3, which gave us access to spots and knowledge we wouldn’t have found on our own. Every stop in this itinerary is doable independently — but if you want a local expert showing you the less-obvious spots, they’re excellent.

What are the road conditions in Iceland in winter?

Check roads on a daily basis. Iceland’s conditions change fast and F-roads close in winter without warning.

Where can I see the Northen Lights?

Get out of Reykjavik at night. The further from city lights the better. Download the Aurora app for real-time forecasts.

About the Author

Nick Reed

As a Manchester City fan, he made it his mission to catch matches at legendary stadiums from Camp Nou to the Etihad. But Nick’s travels go beyond football. He’s explored 20+ countries across Europe, Africa, and the Caribbean, always chasing authentic experiences over tourist traps. Nick lives by a simple rule: the best stories come from saying yes to the unexpected. And TravelFreak is his biggest yes yet.

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