$325 annual fee· #3
Learn More →American Express
American Express Gold Card
4x points at grocery stores — the family card for foodies
For families who spend heavily at grocery stores and restaurants — most families — the Amex Gold's 4x earnings are unmatched. A family spending $2,000/month on groceries and dining earns 96,000 points annually, worth $1,200+ in travel. The credits bring the effective fee to under $100.
✓ Pros
- 4x Membership Rewards at US supermarkets (up to $25K/year)
- 4x at restaurants — massive for family dining and takeout
- $120 dining credit and $120 Uber Cash annually offset much of the fee
✕ Cons
- No airport lounge access at this tier
- $325 annual fee requires high grocery/dining spending to optimize
Scores
Overall
9.1
Safety
9.2
Value
9
Ease
9.2
Quality
9.2
Specifications
annual Fee$325
signup Bonus60,000 points
base Earning4x groceries/dining, 3x flights, 1x else
dining Credit$120
uber Credit$120