American Express Gold Credit Card Review • The Blonde Abroad

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Calling all foodies out there! American Express has the credit card for you: the Gold Card! Why is it the best card for foodies? Well, you earn 4x points at restaurants worldwide and U.S. supermarkets…so you literally earn points for snacking. Now that’s something I can do!

The restaurants used to be exclusive to the U.S., but the card was recently updated so you can now earn points worldwide. This makes it the ideal card for foodies who like to travel! Sound like anyone you know? ?

Want to know something fun? There’s a limited-time darling Rose Gold Card—but only available through referral links or by calling and requesting it until July 17th.

If you frequently dine out, the AMEX Gold Card is one of the most rewarding credit cards on the market!

Annual Fee

With any card that comes with an annual fee, you want to know if it’s worth it. The Amex Gold comes with a $250 annual fee, and I know that might turn some people off, but in my opinion, the perks outweigh that cost. Read on!

Welcome Bonus

When signing up for a new card, I always check to see what bonuses are available and what the minimum amount you have to spend is in order to get it.

For the Amex Gold, new cardholders can get 35,000 Membership Rewards points if they spend $2,000 in the first three months.

The team over at The Points Guy estimated this bonus to be worth around $700!

Foodie Picnic

How to Earn Points

So, here’s where being a foodie truly pays off—you earn 4x points on dining worldwide and at U.S. supermarkets (heads up, there is an annual cap of $25,000 at U.S. supermarkets, then you earn 1x points on purchases). You can also earn 3x points on flights booked directly with airlines or on, and then 1x points on everything else.

Since you earn 4x points on dining, this is especially strong! So you earn points toward your next trip while eating…meaning snack on, folks!

How to Redeem Points

To get the best value from your points, most of the time you’ll want to transfer them to a travel partner through AMEX’s travel portal.

You’ve got quite the list of options—with 18 airlines and three hotels: Choice Hotels, Hilton, and Marriott.

However, you can also use points to cover a variety of charges on your account, apply them to Uber rides, get goodies on Amazon, and more.

Bonus Benefits

While the point system for the Gold Card from American Express is what initially drew me to it, there are quite a number of other benefits that you can, well, benefit from!

Annual Dining Credit: You get up to $120 dining credit per year—which come at $10 monthly statement credits when you use your Gold Card at participating restaurants.

Which dining partners does this include? I’m glad you asked! Here’s the list: Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, participating Shake Shack locations, and Boxed. Make sure to enroll via the Amex website to snag this perk!

Annual Airline Fee Credit: Every (calendar) year, you’ll get up to $100 in credits toward various airline fees such as baggage or inflight purchases. Note: this only applies to one qualifying airline and can only be changed once a year.

Baggage Insurance: Cross your fingers this doesn’t happen, but if your suitcase is lost, stolen, or damaged and you paid for the ticket with your Amex Gold, you can get up to $1,250 in coverage for your carry-on, and up to $500 for checked luggage.

The Hotel Collection: Staying someplace sweet? If you book through Amex Hotel Collection (and stay at least two consecutive nights), you’ll earn 2x points! You’ll also receive a $100 credit toward dining, the spa, and other fun activities at the resort. (I really like this!!)

Essentially, if you can make sure to take advantage of those dining and airline credits (totaling $220 per year), you’ll almost offset the annual fee. Which, if you think about the other perks you can get, it seems like a steal to me.

Oh, and there are no foreign transaction fees—which is a biggie for me!


I know that travel reward credit cards can be kind of confusing, but the Gold Card from American Express is a good place to start! As the annual fee is moderate, it balances out with the perks and the ability to earn 4x points on dining around the world and on groceries in the U.S.

Just a reminder—until July 17th you can snag the Rose Gold Card! You just have to go through a referral link or by calling AMEX and requesting it! I’m not saying you should get the card just because it is pretty (I mean, it is), but the perks are truly great, too. ?

american express gold rose gold card apply now

Completely lost when it comes to earning points and miles? Don’t you fret!

Check out The Beginner’s Guide to Earning Points and Miles!

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