How To Earn Points With The American Express Gold Card
The Amex Gold Card is among the best cards for foodies because it earns strong rewards on dining and grocery shopping. You’ll earn points at the following rates:
- 4x points at restaurants and at U.S. supermarkets
- 3x points on flights booked with the airline or Amex Travel
- 1 point per dollar on all other purchases
To maximize your points earning, you can pair the Amex Gold Card with other Amex cards to earn the most points for every purchase. The “Amex Trifecta” of cards includes the Amex Gold Card, The Platinum Card® from American Express, and The Blue Business® Plus Credit Card from American Express.
Set Up $120 In Annual Uber Cash
New to the Amex Gold, including the fancy Rose Gold option, is $120 in annual Uber Cash, doled out in up-to-$10 monthly increments. These credits can be used not only for Uber rides but also for Uber Eats orders in the U.S.
Unlike the monthly up-to-$10 dining credit that operates as a statement credit when used, this credit instead deposits $10 monthly into your use-or-lose Uber account each month.
In order for this magic to happen, you need to set up your Amex Gold card in your Uber account in the payment section. Heres a full story walking you through how to set up and use your Amex Gold Uber credits its really easy once you get the card linked in your Uber account.
Featured American Express Cards For Us Newcomers
American Express is one of the absolute best credit card providers for people with good credit. This article covers some of the best choices for immigrants.
American Express is a Nova Credit advertiser. This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the authors alone, and have not been reviewed, approved or otherwise endorsed by American Express.
If you recently moved to the U.S., you’ve probably experienced the necessity of a credit card. Maybe you’ve looked into American Express, one of Novaâs affiliate partners and a popular international issuer, and its variety of cards to choose from. Each has its pros and cons, and we highlight some of the top picks below.
As an international card issuer, American Express works with U.S. newcomers to help them apply for a new card. Itâs one of the few card issuers that allows you to apply with an Individual Taxpayer Identification Number or passport rather than a Social Security number .
Your income, credit scores, and credit history can still impact whether you get approved and the interest rate on your card. However, if you have credit in your home country, you may have options.
But which card should you get? Here are some American Express cards popular among newcomers:
Recently moved to the U.S.?
Put your international credit score to work in the United States
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We believe everyone should be able to make financial decisions with confidence. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free.
So how do we make money? Our partners compensate us. This may influence which products we review and write about , but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services.Here is a list of our partners.
Sorry Black Cards Are Invitation Only
Like most elite experiences, the card is invite-only at the moment, with no indication that this will change anytime soon. Loyal American Express® cardholders are likely the most commonly invited, a list that includes both long-time business and personal charge card customers.
You can now request an invitation to apply.
Since there is no way to officially apply without an invite, your best bet is to check the requirements for members to see if your spending habits and qualifications match up. Most people realize that its not about knowing how to get a Black Card, but rather managing the very strict thresholds for eligibility.
If youre the type of spend hundreds of thousands a year on a credit card, you can request consideration for an invitation directly from Amex.
This card offers unique perks for members, including access to airline lounges and VIP treatments at spas and hotels.
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Upgrade Amex Gold To Amex Platinum
While the Amex Gold card is great, you can upgrade this card to the even better Amex Platinum after 1 year of card membership.
I recently upgraded my Amex Gold card to another Amex Platinum card. I then opened another Amex Gold card account to continue to have access to the 4x points on worldwide restaurants and US supermarkets.
Please note, you are not eligible for the welcome offer on this card if you have ever received a welcome offer before on an Amex Gold card or an Amex Premier Rewards Gold card.
Because I had previously opened an Amex Gold card account and received a welcome offer, I will not be eligible for future welcome offers on new accounts.
After another year I will upgrade my new Gold card to another Amex Platinum card and the open another Amex Gold card. This process should be able to continue until I leave active duty or I hit the Amex charge card limit. Maybe I’ll even get more than 11 Platinum cards!
Bottom line, the Amex Gold card is perfect for traveling military servicemembers and spouses who eat out at restaurants either at home or on the road or grocery shop. The Gold Card should be your go to card for all food purchases, whether it’s making food at home or letting someone else do the cooking and clean up!
Apply for the military annual fee waived Amex Gold Card today!
Alternate Rose Gold Card Art
In February 2021, American Express brought back the fan-favorite Rose Gold alternative card art for both new applicants and current cardholderspermanently. This rose gold tint was previously only available for limited times and only through referral offers. You can choose either the traditional Gold or the Rose Gold art prior to submitting your application, or you may be eligible to request the Rose Gold art if youre already an Amex Gold cardholder.
Although the Rose Gold card is the exact same card as the normal American Express Gold , this rosy finish could be a quaint benefit if the previously limited-time opportunities slipped through your fingers.
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How To Maximize Your Rewards
Using your card everywhere you buy is the first step. Be especially attentive to using only this card in the categories for which it offers the richest rewards, such as dining and groceries. Try to concentrate your food shopping at supermarkets over alternative retailers that sell food purchases at superstores and warehouse clubs do not earn rewards, nor does food bought from convenience stores. Try, too, to buy non-food items you need at the supermarket, since all purchases made at supermarkets qualify for the 4-points-per-dollar rewards.
When it comes to using your hard-earned points, consider skipping the generally pricey redemption options offered by Amex in favor of transferring your points to partners. Making the most of partner programs means not only joining them, naturally, but familiarizing yourself with their conditions and staying abreast of any changes to them, including time-limited specials or bonus opportunities.
If you have a flight or hotel stay coming up, check for itineraries with Amex’s partners and compare what it would cost you in points or miles to the cash price. Make a rough calculation of the comparative benefits. If you can get more than a cent per point or mile out of the redemption, it’s more than you’d get from the point rewards youd earn by booking directly through Amex.
Up To $100 Hotel Credit
Cardholders also get up to a $100 onsite credit to use at hotels booked within The Hotel Collection through American Express Travel. You must stay at least two nights, and the credit can only be applied to qualifying activities, which include dining and spa treatments. However, it might be difficult to take advantage of this benefit if you don’t typically book hotel stays with The Hotel Collection.
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Redeem Points For Valuable Travel Rewards
Redeeming points earned with the American Express® Gold Card is easy. When you log on to your Membership Rewards account, you can select any of the redemption options mentioned in the table below.
But not all redemption options yield the same value. Ultimately, the best ways to use Membership Rewards points are for flights, whether through the Amex portal or by transferring your points.
You’ll get 1 cent per point for flights booked through the Amex Travel portal, and potentially more than double that if you transfer them to an Amex transfer partner, making those the two best redemption options.
These transfer partners include more than a dozen frequent flyer programs, and in most cases, you can transfer your points at a 1:1 ratio. You’ll want to have a specific flight in mind and know how many miles you need before you transfer your points though, as transfers are non-reversible.
Other travel redemptions are less lucrative. Redeeming your points for a hotel, rental car, cruise or vacation package will only get you 0.7 cents per point. This is still better than non-travel redemptions like gift cards, statement credits and shopping with points, which will get you as little as 0.5 cents per point. If you want to redeem rewards for something other than travel, understanding the difference between cash back, miles and points will help you pick a card that better suits your preferences.
|Cover your card charges and receive a statement credit||0.6 cents|
Can I Swap The Amex Gold Card For The Rose Gold Amex
If you havent applied for the Amex Gold Card, you can request a rose gold version from the start. However, if youre already a cardholder with a traditional gold version of the card, you do have some options.
Since American Express has made the rose gold version permanent, all you have to do to change your card color is request a different version over the phone or via American Express online chat. Just tell the customer service representative that you want a rose gold version of the Amex Gold Card you already have, and Amex will send you an updated version of your card in the mail.
Tip: Its important to note that when you switch from a gold Amex Gold Card to a rose gold one, it is logged as a product change. That means while you keep all your points and the same account, your card number will change. In addition, you should make sure you are still receiving any introductory offers you qualified for on your original card. One of our editors, Emily Sherman, didnt automatically receive her welcome offer, because she switched from gold to rose gold in the middle of her qualifying spend period. Her points were eventually restored, but it took several phone calls and Amex-led investigations to get to the root of the problem. If you do switch, keep a close eye on your intro offers, benefits and promotions to make sure everything carries over.
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Waiting Around Seven Years
If you close your card and then wait a long period of time such as seven years, it is possible that American Express will allow you to receive the welcome bonus for a second time. This is one of those unofficial policies that might work for you or might not so I would not necessarily count on it working.
Statement Credits Could Make The Annual Fee Worthwhile
The primary deterrent for switching from the Citi Premier to the Amex Gold Card is likely the higher annual fee. The Amex Gold Card carries a $250 annual fee while the Citi Premiers is a more reasonable $95. Cardholders receive up to $120 in Uber Cash for use on Uber Eats orders or Uber rides in the U.S. and up to $120 in annual dining credits to select merchants per calendar year. Both are dispersed as monthly $10 credits.
The Citi Premier offers a $100 annual hotel savings benefit when spending $500 on a single hotel booking when booked through thankyou.com or 1-800-THANKYOU. While thats still a solid benefit for a card with a $95 annual fee, the credit kicks in post-tax. That reduces the overall savings substantially. The Amex Golds monthly credits are much more practical because they apply to a common spending category that most people can take advantage of.
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Our Featured Card For Luxury Travel: Platinum Card From American Express
If youâre looking for a more luxurious travel experience, complete with airport lounge access, shorter airport lines, and complimentary upgrades to nicer hotel rooms, the Platinum CardÂ® from American Express may be a great option. It continually ranks among the best premium travel rewards cards from all credit card issuers. Keep in mind, however that unlike typical credit cards, this card allows you to carry a balance for certain charges but not all. The annual fee is certainly steep, but the cardâs various statement credits can help dampen the impact on your wallet.
The $695 annual fee.
Other cards offer higher cash back or rewards points on everyday purchases.
It can sometimes be difficult to use the statement credits, and unused credits donât roll over to the next period.
You can read more about the card in our detailed review about the Amex Platinum card in our detailed review: Who should and who shouldn’t apply for the American Express Platinum card?
Travel With More Confidence
No Foreign Transaction FeesÂ¤â¡
See the sights, pick up a souvenir, or just shop for what you need when you’re abroad. Do it all without the foreign transaction fees from American Express with the American ExpressÂ® Gold Card.
Personalized Travel Service
Customization and flexibility are even more important in todayâs travel realityâPersonalized Travel Service can help you navigate it. They have up-to-date information on travel and can help book your entire trip to help ensure you donât miss the important details. Fees apply for air travel.
The Hotel Collection
Find a hotel that fits your style. Enjoy signature perks at these upscale hotels when you book with American Express Travel.
Car Rental Loss and Damage Insurance
When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver at the Rental Company counter, You can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.
Global Assist® Hotline
Baggage Insurance Plan
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Amex Gold Bonus Categories: Food
The bonus categories for the Gold card include 4x on restaurants worldwide, which is even better than the 3x points on dining with Chase Sapphire Reserve.
The Gold card also offers 4x points on US supermarkets up to $25,000 per year. This could be worth 100,000 AMEX MR points if you spend a lot on groceries!
If you value Amex MR points at 2 cents or greater, this is an even better return on supermarket spending than the Amex Blue Cash Preferred with 6% cash back on US supermarkets .
US military Commissaries overseas are eligible for the 4x points on US supermarkets. If you’re stationed in Japan, South Korea, Germany, England, Spain, Italy, or Bahrain, you can use this card on base at the Commissary.
The no foreign transaction fees on this card make it perfect for OCONUS TDY, PCS, and deployments. If you like to travel internationally on vacation, you need this card in your wallet.
This card is an excellent compliment to the Amex Platinum card. The Gold card earns more points on restaurants and US supermarkets than the Platinum card. I compare the Amex Gold vs Amex Platinum to see which is better for military servicemembers.
The Platinum card earns 5x on airfare, vs the Gold card’s 3x points. Therefore, use your Platinum card for airfare and your Gold card for groceries and dining out!
Having both cards in the military makes perfect sense since the annual fees are waived on both. That’s $800 in annual fees waived if you get both cards!
How To Fill Out An Amex Business Card Application
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Editors note: This post has been updated with new information.
If youve been hesitant to apply for a small business credit card because youre unsure of how to apply, youre leaving points on the table. You dont have to own a traditional brick-and-mortar business to apply for a business card. If youre a freelancer, Uber or Lyft driver or have any profitable side hustle, you may qualify.
Want more credit card news and advice from TPG?
American Express offers a large portfolio of business cards, so youre bound to find something that fits your business needs. In this guide, well break down the business card application process specifically for American Express to help you answer some of the confusing questions.
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