AMEX
AMEX
Best Dining & Groceries USA
American Express® Gold Card
American Express · 🇺🇸 USA · AMEX
4.8Excellent
Annual Fee
$325
Offset by $240 dining credits + $100 hotel credit
Rewards Rate
4x restaurants, 4x US supermarkets
Membership Rewards Points
Intro Offer
60,000 Membership Rewards points
Credit Score
700–850
Good – Excellent
Purchase Intro APR
N/A
Balance Transfer Intro APR
N/A
Regular APR
20.49%–29.49% Variable
Tekkivo Expert Verdict
For Americans spending heavily on dining and groceries, the Amex Gold generates among the highest reward rates available. Effective annual fee after credits is ~$85.
Best for: Foodies and families spending $500+/month on dining and groceries
Key Benefits
- 4x at restaurants worldwide
- 4x US supermarkets up to $25K/yr
- $120 dining credit annually
- $120 Uber Cash annually
- Transfer to 20+ airline/hotel partners
Pros
- ✓Best rewards rate for food spending
- ✓Up to $240 annual credits
- ✓Outstanding Amex transfer partners
Cons
- ✗$325 annual fee
- ✗Supermarket 4x capped at $25K/yr
- ✗Not a true credit card
Card Details
Foreign Transaction Fee: $0
Credit Limit: No preset limit
Card Network: amex
Rewards Type: Membership Rewards Points
American Express® Gold Card
4.8
Annual Fee$325
Rewards4x restaurants, 4x US supermarkets
Intro Offer60,000 Membership Rewards points
on American Express's website