01 · overview
American Express Gold
by American ExpressPoints
100,000 points welcome · 5x on hotels (via portal) · $325/yr

Annual fee
$325
Per year
Sign up bonus
100K pts
After $8,000 in 6 mo · ≈ $1,200
Credits
$424
5 credits
Median FICO
753
Approved
Median income
$60,000
Approved
02 · earn & credits
Earn rates & credits
Earn rates
| Category | Rate |
|---|---|
Hotels (via Portal) Hotels prepaid through Amex Travel | 5x |
Dining | 4x |
Groceries | 4x |
Airlines | 3x |
Everything Else | 1x |
Estimated value: 1.2¢/point
Statement credits
| Credit | Value |
|---|---|
Uber Cash $10/month in Uber Cash for Uber Eats orders or Uber rides | $10 /mo |
Dining Credit $10/month in statement credits at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys | $10 /mo |
Dunkin' Credit Up to $7/month in statement credits on eligible purchases at U.S. Dunkin' locations | $7 /mo |
Resy Credit Up to $50 semiannually at U.S. Resy restaurants and other eligible Resy purchases | $50 / 6 mo |
The Hotel Collection Credit $100 credit towards eligible charges at over 1,300 upscale hotels worldwide every time you book through AmexTravel.com or Amex Travel App (requires two-night minimum). | $100 |
| Total annual value | $424 |
03 · approval odds
Approval odds
Median FICO
753
Median income
$60,000
Credit history
5 yrs
Approval rate by FICO score
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04 · news
In the news
When
Event
Source
May 2, 2026
American Express Gold Card Adds New Benefits for 60th Anniversary With No Fee Increase
✨ Benefit Change
Apr 29, 2026
American Express Offering 20% Transfer Bonus to Hilton Honors Through May 30, 2026
⏰ Limited Time
Apr 9, 2026
Amex Caps Referral Bonuses at 5 Per Calendar Year Across Membership Rewards Cards
📋 Policy Change
Mar 10, 2024
Amex Gold Welcome Bonus Increased to 75,000 Points
🎁 Bonus Change
05 · reading
Further reading
By
Title
Read
CreditOdds
Authorized User Strategy: When It Boosts Your Score, When It Doesn't, and What Most Guides Get WrongJun 15, 2026
12 min
CreditOdds
How Many Credit Cards Is Too Many? What Actually Happens to Your Score, Your Approvals, and Your LifeJun 8, 2026
12 min
CreditOdds
The Amex Once-Per-Lifetime Rule: Which Cards, Which Loopholes, and How to Check EligibilityMay 25, 2026
11 min
CreditOdds
What Income to Put on a Credit Card Application: The Rules, the Math, and What Actually CountsMay 21, 2026
12 min
CreditOdds
Pre-Approval vs Pre-Qualification: Which Tools Actually Predict Credit Card ApprovalMay 18, 2026
11 min
CreditOdds
Why You Got Denied: The Real Reasons Banks Decline You and How to Win on the Reconsideration LineMay 14, 2026
12 min
CreditOdds
Hard Inquiries Explained: How Much They Hurt, How Long They Last, and the Real Recovery TimelineMay 11, 2026
12 min