Amex Gold Card Worth It?! (Full Review)

The American Express Gold Card has a $250 annual fee, comes with 2 monthly credits and earns 4X Membership Rewards points in really useful categories. BUT does it make sense for YOU? Click “Show More” to see Ad Disclosure.

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WELCOME OFFER (June 2022)
Earn 60K Membership Rewards points after spending $4K on purchases in the first 6 months. Approx. value = $360 - $1,080 (avg.) based on how you redeem your Amex points.

ANNUAL FEE = $250

Rates & Fees Info: https://oc.brcclx.com/t/?lid=26678637&cr=28353&last_updated=1598923399

EARN AMEX POINTS
- 4X Groceries at U.S. Supermarkets on up to $25K spend per year
- 4X Dining at Restaurants worldwide, plus takeout & delivery in the U.S.
- 3X Flights booked directly with airlines or via the Amex Travel portal
- 1X Other Purchases

REDEEM AMEX POINTS
- Travel (Amex Transfer Partners): 1.8¢ per point (avg.)
- Travel (Amex Travel Portal): 0.7¢ per point for Hotels, Car Rentals, Cruises, and Vacations | 1.0¢ per point for Flights
- Cash Back (Statement Credit, “Cover Your Card Charges”): 0.6¢ per point

HOW TO REDEEM AMEX POINTS
1. Log into your American Express account
2. Select your Amex Gold Card
3. Click on Rewards & Benefits on the top horizontal menu
4. On the next page, scroll down until you see the 6 main options:
- Cover Your Card Charges
- Pay with Points at Checkout
- Redeem for Gift Cards
- Book or Upgrade Travel
- Transfer Points
- Go Shopping
5. Choose the one you want and follow the on-screen prompts

AMEX TRANSFER PARTNERS
Airlines
- Aer Lingus AerClub
- Aeromexico Club Premier
- Air Canada Aeroplan
- Air France KLM Flying Blue
- ANA Mileage Club
- Asia Miles
- Avianca LifeMiles
- British Airways Executive Club
- Delta SkyMiles
- Emirates Skywards
- Etihad Guest
- Hawaiian Airlines
- Iberia Plus
- JetBlue TrueBlue
- Qantas Frequent Flier
- Singapore Airlines KrisFlyer
- Virgin Atlantic Flying Club
Hotels
- Choice Privileges
- Hilton Honors
- Marriott Bonvoy

AMEX GOLD CARD BENEFITS

1. Dining Credit ($120/yr.): Issued as a $10 / month statement credit, valid on purchases at:
- Grubhub (incl. Seamless)
- The Cheesecake Factory
- Shake Shack (select locations)
- Goldbelly
- Milk Bar
- Wine.com
Ending 8.01.2022:
- Ruth’s Chris Steakhouse
- Boxed

2. Uber Cash Benefit ($120/yr.): Issued as a $10/mo. Uber Cash deposit, automatically added to Uber account, use toward:
- Uber rides
- Uber Eats deliveries (plus groceries in select cities)

3. The Hotel Collection: Book upscale hotels and receive additional benefits:
- $100 property credit
- Room upgrade if available
- Must stay 2+ consecutive nights

4. No Foreign Transaction Fees

INSURANCE & PROTECTIONS
- Car Rental Loss & Damage Insurance (Secondary)
- Global Assist Hotline
- Baggage Insurance Plan
- Trip Delay Insurance
- Extended Warranty
- Purchase Protection

SHOULD YOU GET IT?

YES if you…
- Buy groceries at U.S. supermarkets (NOT: Target, Walmart, wholesale clubs, etc.)
- Eat out at restaurants often
- Normally use Uber / Uber Eats monthly
- Normally spend at: Grubhub, The Cheesecake Factory, Shake Shack, Goldbelly, Milk Bar, Wine.com
- Prefer travel rewards over cash back

NO if you…
- Buy groceries at wholesale clubs / dep’t stores
- Don’t use Uber / Uber Eats monthly
- Don’t normally spend w/ dining partners
- Don’t like high-annual-fee cards
- Prefer cash back over travel rewards

🎬 MORE CREDIT CARD VIDEOS

🔹Amex Platinum Retention Offer: https://youtu.be/KPw7OI1WY34

🔹7 BEST Amex Platinum Card Benefits: https://youtu.be/bz74ofQKM2s

🔹Are Airline Credit Cards Worth It?: https://youtu.be/WhOdp8Qfyus

🔹Amex Gold vs. Chase Sapphire Preferred: https://youtu.be/HolY8a3Jva4

🔹Amex Platinum Authorized User Benefits (Explained): https://youtu.be/7EI7IV3DIoU

🔹How to Use Amex Membership Rewards Points: https://youtu.be/OAos9ucMPVo

🔹Amex Platinum Card Review: https://youtu.be/IaLBFpQj-eE

Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor.

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