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American Express® Gold Card
welcome bonus
Earn 90,000 Membership Rewards® points after you spend $6,000 on eligible purchases within the first 6 months of card membership
credit brand
American Express®
rewards rate
4X Points Restaurants. 4X Points Supermarkets. $120 Uber Cash on Gold. $120 Dining Credit. 3X Points Flights
intro apr
N/A
regular apr
21.24% - 29.24% variable
foreign transaction fee
0%
credit needed
Good/Excellent
annual fee
$250
rate
4.7

Pros

High Rewards Rate: The American Express® Gold Card offers a high rewards rate of 4X points at restaurants, plus takeout and delivery in the U.S, and at U.S supermarkets (on up to $25,000 per year in purchases, then 1X). Strong rewards program with 3X points earned on flights booked directly with airlines or amextravel.com.

$120 Uber Cash to Dine or Ride: Up to $120 Uber Cash annually ($10 a month) for U.S. Uber Eats orders and U.S. Uber rides (card must be added to Uber app to receive the Uber Cash benefit).

$120 Dining Credit: Up to $120 dining credit annually ($10 a month) for purchases made with Grubhub, Goldbelly and other eligible restaurants (after a one-time enrollment).

No Foreign Transaction Fees: Ideal for international travelers, as there are no foreign transaction fees on purchases.

Cons

The card carries a hefty annual fee of $250.

No introductory APR period.

Reward points are typically most valuable when redeemed for travel through American Express, which may not suit everyone's lifestyle.

Why Choose It

The American Express® Gold Card is a powerhouse for those who spend heavily on dining and groceries. Its high rewards rate in these categories, combined with perks like the airline fee credit and hotel credits, provide substantial value that can easily outpace the annual fee for the right spender. Though the acceptance of Amex cards is limited in some places and the annual fee is considerable, the wealth of benefits offered by this card make it a worthwhile contender for foodies and frequent travelers alike who are interested in maximizing their reward earnings.

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compare Cards

cover/name/rate
Welcome bonus
Annual fee
rewards rate
intro apr
regular apr
foreign transaction fee
credit needed
credit brand
American Express® Gold Card

American Express® Gold Card

4.7
Earn 90,000 Membership Rewards® points after you spend $6,000 on eligible purchases within the first 6 months of card membership

Earn 90,000 Membership Rewards® points after you spend $6,000 on eligible purchases within the first 6 months of card membership

$250

$250

4X Points Restaurants. 4X Points Supermarkets. $120 Uber Cash on Gold. $120 Dining Credit. 3X Points Flights

4X Points Restaurants. 4X Points Supermarkets. $120 Uber Cash on Gold. $120 Dining Credit. 3X Points Flights

N/A

N/A

21.24% - 29.24% variable

21.24% - 29.24% variable

0%

0%

Good/Excellent

Good/Excellent

American Express®

American Express®

Capital One Quicksilver Cash Rewards

Capital One Quicksilver Cash Rewards

4.8
Earn a one-time $200 cash bonus once you spend $500 on purchases within 3 months from account opening

Earn a one-time $200 cash bonus once you spend $500 on purchases within 3 months from account opening

$0

$0

1.5% cash back

1.5% cash back

0% intro APR for 15 months

0% intro APR for 15 months

19.74% - 29.74% variable

19.74% - 29.74% variable

0%

0%

Good/Excellent

Good/Excellent

Capital One

Capital One

The Aeroplan® Card

The Aeroplan® Card

4.2
Up to 100K points: 75K points after $4K spend in the first 3 months + 25K after $20K in the first 12 months

Up to 100K points: 75K points after $4K spend in the first 3 months + 25K after $20K in the first 12 months

$95

$95

3X Air Canada. 3X grocery stores. 3X dining. 500 bonus points with each $2K calendar month spend, up to $6K spend per month (1,500 points max). 1X everywhere else

3X Air Canada. 3X grocery stores. 3X dining. 500 bonus points with each $2K calendar month spend, up to $6K spend per month (1,500 points max). 1X everywhere else

N/A

N/A

21.74%–28.74% variable

21.74%–28.74% variable

0%

0%

Good/Excellent

Good/Excellent

Mastercard®

Mastercard®

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