The American Express Gold Card breaks even at $1,625 in annual spend with its restaurant rewards. This card is for heavy travelers and grocery shoppers with good-to-excellent credit who don't mind the $325 fee. The biggest trade-off is giving up flexible APR terms.
What you actually earn
Who this card is for
A mid-tier professional with excellent credit, spending at least $1,625 annually in restaurants and US supermarkets, can max the Gold Card's benefits.
The compliance footnote
The Gold Card carries a $325 annual fee with an APR range of See terms (charge card). Foreign-transaction fee is none. The current signup offer is 60,000 points after $6,000 in 6 months. These terms are accurate as of 2026-05-06 and may change at the issuer's discretion. The Apply link goes directly to the issuer; picksbycard is independent and does not earn a commission on card approvals.