American Express Gold Card
Best in class for dining and grocery rewards if you actually use the monthly credits. Fee bit up after 2024 refresh.
Use this page as a benchmark, not as a guaranteed quote or eligibility promise. The price, rate, fee, coverage, or feature set can change with location, customer profile, promotional timing, scope, and provider terms. Compare the current source disclosure before you buy or sign.
FairPrice Guru keeps the benchmark separate from the provider's marketing. A higher price is not automatically unfair when it buys more coverage or a better scope, and a lower headline price is not automatically better when fees, restrictions, or missing features change the real cost.
Price and terms
- Annual fee: $0
- Purchase APR: 19.49%–28.49%
FairPrice score: 84/100
Rewards
4x dining & US supermarkets (up to $25k), 3x flights
Perks
- $120 Uber Cash annual
- $120 dining credit annual
- $100 resort credit
- No foreign transaction fees
Pros
- Top-tier dining & grocery rewards
- $240+ in annual credits offsets fee
- Transfer to 20+ partners
Cons
- $325 annual fee (raised from $250)
- Credits require effort to use
- Not accepted everywhere globally
Best for
- foodies
- points enthusiasts
- US supermarkets
Official source · Last verified 2026-10-04