American Express
Gold
What it is
The Gold is an American Express card earning Membership Rewards points. It's mainly a sign-up-bonus play: earn the bonus, then keep or close. Amex's dining-and-grocery MR card — the monthly credits can offset most of the fee if you'd use them anyway. A churn-or-keep call that hinges on whether you'll actually burn the dining/Uber/Dunkin credits.
Offer history
Value is the welcome bonus at your valuations. The Year 1 total also counts recurring benefits and subtracts the annual fee. Spend / mo (the dashed line, right axis) is the monthly pace to clear the minimum spend in time — shown on every view so the spend stays in context.
| Offer | Bonus | Value | Year 1 | Return | Date |
|---|---|---|---|---|---|
PUBLIC ATH | 100,000$8k · 180d | $1,500 | $1,405 | 19% | Jun ’25 |
PUBLIC | 60,000$6k · 180d | $900 | $805 | 15% | Nov ’24 |
TARGETED · MAILER | 100,000$6k · 180d | $1,500 | $1,405 | 25% | Sep ’24 |
What you get
- Gold Uber Cash$120per year
$10/mo Uber/Uber Eats.
- Gold dining credit$120per year
$10/mo at Grubhub/Seamless/Five Guys/etc. Enroll; monthly use-it-or-lose-it.
- Gold Resy credit$100per year
$50 semi-annual ($100/yr) US Resy restaurants.
- Dunkin credit$84per year
$7/mo Dunkin (needs $7+ purchase).
Dollar figures are the benefit’s face value. What it’s worth to you — after realistic usage and your own point values — is in the receipt below.
The receipt
default values| SUB value | +$1,500 |
| 100,000 MR × 1.50¢/pt | |
| Ongoing benefits (yr 1) | +$230 |
Gold Uber Cash($10/mo × 70%) Gold Uber Cash $10/mo × 70% $84 Gold dining credit($10/mo × 60%) Gold dining credit $10/mo × 60% $72 Gold Resy credit($50/semi × 40%) Gold Resy credit $50/semi × 40% $40 | |
| Annual fee | −$325 |
| Year 1 | $1,405 |
| Return on $8k MSR | 19% |
Your score sharpens once you sign in — we add eligibility, spend-fit, and 5/24.
Related cards
Gold scores 52 here on default point values. See where it ranks against every card, scored for your points, spend, and eligibility.
Open the ranked table →