Four points per dollar on every restaurant in the world is, on its own, the strongest single earning category in the entire credit-card market. Add the same rate at U.S. supermarkets up to twenty-five thousand a year and the math fits the way most households actually spend. The $325 annual fee is real, but Membership Rewards transfer to airline partners at often outsized value, and the dining and Uber credits exist for the people willing to use them.
What you actually earn
Who this card is for
Spends $400+/month combined on groceries and dining, willing to use coupon-style credits, comfortable with Amex's pay-over-time charge model.
The compliance footnote
The Gold Card carries a $325 annual fee with an APR range of 21.49–29.49% Variable (pay-over-time on eligible charges). Foreign-transaction fee is none. The current signup offer is 60,000 Membership Rewards after $6,000 in 6 months. These terms are accurate as of 2026-05-03 and may change at the issuer's discretion. We earn a referral fee on approved applications referred via the Apply link, at no cost to you.