Amex Gold Card benefits
The American Express® Gold Card has no shortage of perks. If you dine out at restaurants, get takeout regularly, or spend a lot of money on U.S. supermarket expenses each month, this may be the right card for you. It offers high reward rates on U.S. supermarkets, restaurant, takeout, and delivery purchases. Check out some of the top American Express® Gold Card benefits. Terms apply.
A generous welcome offer
For starters, the American Express® Gold Card offers a hefty welcome offer of 60,000 Membership Rewards® points to new cardmembers. You can earn this welcome offer after meeting the minimum spend requirements of $6,000 within the first 6 months of account opening.
The value of the 60,000 Membership Rewards® points depends on how you use them. If you redeem for flights through the American Express Travel portal, the value is $0.01 per point. You can instead redeem your points for other travel needs through the portal for $0.007 per point. The welcome offer is valued at $0.006 if you redeem it for statement credit.
Another option for Gold Card members is to transfer their points to one of Amex's many transfer partners. If you do this, you could get even more than $0.01 per point in value from your points. Terms apply.
Earn 4 points at restaurants
Another one of the excellent American Express® Gold Card benefits is the ability to earn 4 points per $1 at restaurants on up to $50,000 in spending per year. An eligible purchase can include worldwide restaurant purchases and U.S. takeout and delivery expenses charged to your card. This is a significant reward rate compared to other dining and restaurant credit cards. Terms apply.
Earn 4 points at U.S. supermarkets
When you use this American Express card, you'll earn 4 points per $1 spent at U.S. supermarkets. This is an excellent rate when compared to grocery credit cards. Earnings for this spending category are capped at $25,000 per year. Terms apply.
Earn 1 point on all other purchases
The American Express® Gold Card offers 1 point per $1 on other eligible purchases that you make with your card. Don't spend what you can't afford, because the American Express® Gold Card functions differently than other credit cards. While this card offers Pay Over Time and Plan It payment options for some of your purchases, you'll need to pay most credit card charges in full each month. Terms apply.
$120 annual dining credit
American Express® Gold Card users also receive a $120 annual dining credit. You'll earn $10 in statement credit each month, and you can use the credit at participating dining partners, which include GrubHub, Goldbelly, The Cheesecake Factory, Five Guys, and Wine.com. This is not an automatic perk; you'll need to enroll first. You can do this in your Amex account. Terms apply.
$10 per month in Uber credit
Another one of the American Express® Gold Card benefits that you won't want to miss out on is the monthly Uber cash credit. Each month, you'll get access to $10 to redeem on Uber Eats orders or Uber rides in the U.S. This credit is loaded into your Uber account wallet at the beginning of each month. Be sure to use this credit because each month's unused credits will expire. You'll need to add your American Express® Gold Card to your Uber wallet to use this perk and get your credits. Terms apply.
Free ShopRunner subscription
As an Amex cardmember, you'll also receive a complimentary membership to ShopRunner. This service provides free two-day shipping and free returns at select retailers. ShopRunner is currently available at more than 150 stores. You must enroll to take advantage of this perk. Once you do, you can use this service for free for as long as you remain an Amex cardmember. Terms apply.
Amex Gold Card travel benefits
The American Express® Gold Card provides cardmembers with plenty of food and shopping perks, but that's not all. With this card, you'll also be able to take advantage of travel benefits. To utilize these perks, you must make sure that you charge your travel expenses to your American Express® Gold Card. Here are some of the best American Express® Gold Card travel benefits.
Earn 3 points per $1 on airline purchases
This perk will pay off if you do a lot of air travel. With the American Express® Gold Card, you'll earn 3 points per $1 on airline purchases made directly at AmexTravel.com and directly with airlines. When compared to airline credit cards, this is an excellent rewards rate. Terms apply.
Get $100 credit to The Hotel Collection
Another one of the notable American Express® Gold Card travel benefits is $100 credit for activities at The Hotel Collection. You must book two consecutive nights or more at a participating property to qualify for this perk. You must also make the booking through the American Express Travel portal, and you must charge your American Express® Gold Card. The $100 credit will be applied to eligible charges.
Eligible activities vary by property, so check to see what qualifies. This card membership perk can make your next hotel or resort stay more memorable and enjoyable. Terms apply.
Rental car insurance
This American Express card also offers rental car insurance*. Amex refers to this coverage as car rental loss and damage insurance. It's secondary to any other insurance you have, such as your car insurance policy -- but this can provide an extra layer of security when you're traveling and need to rent a car.
You'll need to pay for the entire rental with your American Express® Gold Card to use this benefit. You'll also need to decline the collision damage waiver the rental car company offers. When you do both of these things, you'll be covered for damage or theft to a rental vehicle in a covered territory. The maximum coverage amount is $50,000. Be sure to review your card's terms and conditions, as this coverage has some exclusions. Terms apply.
Baggage insurance
Another one of the American Express® Gold Card benefits that you won't want to miss out on is baggage insurance**. You'll be covered if your bags are lost, damaged, or stolen. The maximum coverage is as follows:
- $1,250 for carry-on baggage
- $500 for checked baggage
If you have baggage issues while traveling, you can use your coverage to take care of replacement costs. You'll need to pay the full fare of a common carrier vehicle ticket with your card to be able to use this perk. Common carrier vehicles include air, land, and water vehicles. Terms apply.
No foreign transaction fees
Like other travel credit cards, taking this card with you when traveling abroad is no problem. That's because no foreign transaction fee is charged when using your card to make purchases outside of the U.S. Foreign transaction fees are typically 3%, which can add up, so this is a big deal. Terms apply.
Access to the global assist hotline
American Express® Gold Card users can access the Global Assist Hotline***. This resource provides 24/7 medical, legal, financial, and other emergency assistance and support. You can use this service if you're traveling more than 100 miles from home. Cardmembers can call 1-800-333-AMEX to get help. While this resource is available to you, it's important to note that you will be responsible for any third-party costs.
The American Express® Gold Card benefits are plentiful. As you consider the best credit cards, don't rule out the American Express® Gold Card. This card has an affordable annual fee and offers impressive perks. This includes impressive rewards for food purchases, air travel purchases, and some nice travel and food credits. Terms apply.
