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The Amex Gold standard
The American Express Gold card gets more swipes than any other card in our wallet. Why? I’m pretty much like any other American. Take away housing and transportation, Americans just like me spend more money on food than anything else ( OK maybe travel in my case, but the pandemic has definitely thrown that for a loop). If only there was a card that aligned to those spend categories?
The American Express Gold card that earns 4x points on restaurants, 4x points US supermarkets ( up to $25k a year ), and a $120 annual dining credit (enrollment required), and $120 annual Uber Cash credit (enrollment required).
In terms of premium cards on the market – I’m not sure you could convince me there is anything better. Add in an amazing 60k Membership Rewards after $4k spend in 3 months offer and this card is a must have. (Rates and fees)
Amex didn’t stop at food either – Amex Gold will earn you 3x points on flights purchased directly with the airline or Amex travel. Like swanky hotels? Use your Amex Gold to gain access to The Hotel Collection for upgrade opportunities and resort credits just booking via the portal
When this card debuted in 2018, I named it the most compelling card of the year. It still continues to get more swipes than any other card in my wallet, and my wallet has a lot of them.
Let’s take a deep dive into the American Express Gold Card.
Is 90k the highest public offer we’ve ever seen
If you have an Amex its worth checking to see if you’ve been targeted. Others have seen 20% off dining offers – check here. When this card debuted back in 2018 the public offer was 35k. It had popped to 40k for most of 2019, and now referrals are offering up to 90k. The annual fee Is $250 (Rates and fees)
Historically, that minimum spend requirement needed to be completed in 3 months. Currently, you get 6 months to fulfill that requirement.
Amex Gold Benefits are truly incredible:
- up to 90k point welcome bonus after $4k spend in 6 months via Referral
- 4x points at restaurants
- 4x points at US supermarkets ( up to $25k a year )
- 3x points on flights purchased directly with the airline or Amex Travel
- $10 per month Uber credit valid in US only (enrollment required)
- $120 Dining Credit at select restaurants (enrollment required)
- Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations.
- Annual Fee is $250 (Rates and fees)
- No Foreign Transaction Fees
- 1x everywhere else
- Access to The Hotel Collection
That Sexy Rose Gold is back!
As you can see in our picture up above, we chose a Rose Gold Amex back in 2018. It doesn’t carry any additional benefits aside from the fact that it’s dope, a conversation starter, and even manages to make you feel sexy behind a mask wreaking of hand sanitizer.
If it’s something you’d prefer…you simply choose it
4x on US Supermarkets up to $25k a year
An average family of 4 spends $547.80 a month at supermarkets.
That’s almost 2200 points a month or over 25k points a year simply by spending what you’d normally spend a month at the supermarket.
I know quite a few people that when you combine dining out and supermarkets are easily spending a $1k a month. You’re talking about 50k a year just in those categories.
4x on dining
If you’re like me, dining out is one of the purchases that hits the top of your monthly spend and Amex Gold rewards you with 4x points on those purchases. That is incredible. You’ll also earn 4x on qualifying takeout and delivery.
$120 Dining credit – don’t forget to enroll!
Once you’ve enrolled your Amex Gold it’s time to save some buckaroos! I’ve found that on months where I’m not going to hit one of the listed restaurants I can simply buy a gift card for that restaurant, in store, and use it down the road. These have been crediting, and after a few months I can go in and enjoy $20 or $30 all at one time. Or…I just have GrubHub deliver and enjoy $10 off my food. Win-win.
$120 Uber Credit
This is a $10 a month credit and can be applied to Uber. Note that you need to add your card to enroll and receive a credit.
Annual fee is $250
This is a premium card and the fee should definitely be considered, but if you’re making use of the dining and uber credits, you’re wiping $240 of that annual fee off without even factoring in the welcome offer or the bonus spend categories. Personally, I think it’s the most bang for buck
3x points on airfare
Sure there are Platinum variants that offer 5x, but this card offers you a great 3x earn rate on airfare purchased directly from airlines or Amex Travel and is $300 less than an Amex Platinum.
Access to The Hotel Collection properties
The Hotel Collection is a VIP hotel booking program, and is listed in our “Secret List of Hotel VIP programs.”
Amex Gold along with Platinum and Centurion cardmembers get access to The Hotel Collection program. This is a group of hotels that Amex has deals with to get guaranteed benefits just by booking via the portal.
It’s always worth checking rates and included benefits to make sure you’re getting the best deal.
Here’s a peek at the benefits you can expect to receive when booking via The Hotel Collection program.
The best part….Access to Membership Rewards!
The Transfer partners are amazing – and we included some aspirational redemptions
Lufthansa First Class for 87k points when transferred to Avianca.
87k points to fly in a cabin that would set you back 5 figures?! Avianca is also an instant transfer partner, meaning once you see the space, wham, bam, transfer your points and book your ticket.
Emirates First Class for 85k points when transferred to Emirates
One little “suite” spot of the Emirates chart is flying from Milan to New York on their A380, or Athens to Newark on their 777-300ER for 85k points. You’ll enjoy a suite with doors that close, top shelf champers, pjs, a vanity, and if your heart desires…a shower at 7 miles in the sky ( on the A380 ).
ANA First Class ROUNDTRIP for 110k when transferred to Virgin Atlantic.
One of the best bargains out there, and when you’re earning points in multiple programs that are partners with Virgin Atlantic, it makes access that much easier.
Singapore Suites for 76k when transferred to Singapore Airlines
Again, a mutual transfer partner of both Chase and Amex, and a great opportunity to fly in one of the world’s best first class products: Singapore Suites. For just 76k points you can fly between New York and Frankfurt sipping Krug and feasting on lobster Thermidor. Better yet…Singapore eliminated taxes and fees on their own metal. BYAH!
Fly up to 14k Miles in Business Class for 115k points when transferring to Asia Miles
Asia Miles is a transfer partner of Amex and has many hidden sweet spots. One of which is their multi-partner award chart. Check out the link above if you want to read all the ins and outs, but you can fly A LOT for just 115k miles when you use Asia miles and fly on 2 or more One World partners of Cathay Pacific.
Overall
Since it debuted in 2018, Amex Gold has been a staple in my wallet, and continues to be one of my most recommended cards for people looking to earn a bunch of points where they spend the most, and enjoy fringe benefits they will actually use.
To see the rates and fees for the American Express cards featured, please visit the following links: American Express Gold Card: See Rates and Fees
Chase Sapphire Preferred® Card
A Monkey Miles favorite for beginners and point pros alike – a staple of our wallet that earns Premium transferrable Ultimate Rewards. $95 annual fee
♥ Earn 60k Bonus Points after $4k Spend in 3 months
♥Points are transferrable to over dozen partners, or redeemable for 1.25c in Chase travel
♥5x on travel purchased via Chase Travel and 2x everywhere else
♥3x on dining, including eligible delivery services, takeout and dining out
♥3x on select streaming
♥ 3x points on online grocery purchases (excluding Target, Walmart and wholesale clubs
♥ $50 Annual Credit on hotel stays purchased via Ultimate Rewards. *New cardmembers can get this credit immediately – existing cardmembers get it after anniversary
♥ 10% Anniversary Point Bonus. Spend $10k in a year, get 1k bonus points.
Apply for a Gold American Express Card with this link:
https://americanexpress.com/en-us/referral/URSZuBC7Gr?XLINK=MYCP
90,000: Membership Rewards points after they use their new Card to make $4,000 in purchases within the first 6 months of Card Membership.
Apply for an American Express Card with this link. With your new Card, you could earn a welcome bonus and your friend could earn a referral bonus. Terms Apply.
https://americanexpress.com/en-us/referral/JOSHNixhy?XL=MIACP
Limited Time offer: get 90,000 points for Amex Gold. Also can receive 20% back as a statement credit on purchases made at restaurants worldwide up to $250 back during the first 12 months of Card Membership.
Apply for an American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/YICHEWwrKh?xl=cp15
Limited Time offer: you get 90,000 points for Amex Gold. Also can receive 20% back as a statement credit on purchases made at restaurants worldwide up to $250 back during the first 12 months of Card Membership.
Apply for an American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/YICHEWwrKh?xl=cp15
Apply for an American Express Card with this link. We can both get rewarded if you’re approved!
http://refer.amex.us/JANNGPg9H?XL=MIMCP
Open this link on a private page and With this amazing code get 75000 points after spending 4000 in 6 month, plus get an additional 20% back on all restaurant purchases up to a total of 250 dollars.
Hey everyone – The highest ever Gold card offer of 90K Amex points is here for the taking! 90K Amex transferred to ANA will get you a free business class round trip to Europe with some left over, add just 1K more spend and you can fly to Japan in business class round trip! 104K gets you to South Africa round trip in business class, 100K gets you round trip to South East Asia in low season, this is a great card!!! Earn 4X points on restaurants and food shopping (no big box) all the time, earn points!! …. Apply for an American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/CHRISJ12nG?XLINK=MYCP
I just got a higher welcome bonus offer of 90k for the Amex Gold Card.
See you can get it by using my referral link below.
Apply for an American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/MAYARLWRwt?XLINK=MYCP
Hey try out this link!
http://refer.amex.us/CHARLSMn1p?XL=MNMCP
Hi Travel Friends! I am just starting out and would appreciate it so much if you use my link if you’d like to sign up for the Amex Gold/Rose Gold card (I’ve never gotten a referral bonus before and would be so thankful!):
Amex Gold Card (I got the 75,000 point bonus offer and hopefully you can too with my referral link!) http://refer.amex.us/KATHEOQNw5?XLINK=MYCP
Zach & Miles I love your content so much – I’ve seen all of your TikTok videos and appreciate all the help you give all of us so THANK YOU!!! This is the best community! <3
-Katie & Mr. Monkey (who would totally be BFFs with Miles 😉 )
Let’s help each other. Use my referral link!
Apply for an American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/GUSTISyq4o?xl=cp01
I use my BBP card for anything that doesn’t have a special bonus to receive 2x MR points per dollar. Thank you in advance for using my referral link: http://refer.amex.us/ETHANLWTQ5?XLINK=MYCP
Amex Gold is my default card for dining and groceries. LOVE IT. Thank you in advance for using my referral link: http://refer.amex.us/ETHANLRRQR?xl=cp15
American Express Gold Card
60K points after $4K spend in the first 6 months
http://refer.amex.us/VICTOSXtPu?XLINK=MYCP
I have a 75,000 MR referral link for AmexGold. Requires $4k in spending within 6 months. The link expires 12/1/21. http://refer.amex.us/ELIZAMe3MX?XL=MIACP
Let’s go Brandon.
Apply for an American Express Card with this link. We can both get rewarded if you’re approved!
http://refer.amex.us/GIRITCaS5P?XL=MIMCP
Amex Gold referral link for 2021:
75,000 points + 0% APR for 12 months.
If you sign up using my link ! (open in Incognito/Private mode).
Apply for any American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/PRATIS7usR?XLINK=MYCP
Thank you for helping out!
Get best offer for gold card to get 75000 points by opening this link in incognito on mobile.
http://refer.amex.us/SMITAKik7g?XLINK=MYCP
Thanks for using.
Thank you guys for sharing the love!! Happy travels everyone ✈️✈️
Apply for an American Express Card with this link. We can both get rewarded if you’re approved!
http://refer.amex.us/FEYIKAPFfh?XL=MIACP
It’s a rip off card. I’ll take my 3x points on the Sapphire for $250 per year. 3x Chase points > 4x Amex points. Chad what’s way better cash value if you choose to use it that way. I say $250 per year because the $300 travel credit is a no brainer. Also… priority pass … primary car rental insurance … Lixiry Hotel Collection way better than Amex Hotel Collection. Amex gold is a silly rip off. No idea why anyone would want it. You’ll never out spend the annual fee in groceries. Also I don’t need the $10 per month in Uber credits. Don’t like having to track anything. Sapphire Reserve blows the gold card away
Just got my card and am excited to get started! http://refer.amex.us/RYANCJNgU?xl=cp01
60k points with $200 credit for home furnishing stores.
I’d really appreciate it if you could use my link! 🙂
http://refer.amex.us/AISHaMx0oS?xl=cp102n
I got you baby
Apply for an American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/MATTEmybZa?XLINK=MYCP
Use my referral link to get your AMEX GOLD CARD or AMEX ROSE GOLD CARD and enjoy 60,000 miles welcome bonus !
http://refer.amex.us/CLEMEBzkHc?xl=cp1001
I’ve used several links from here to apply and get the bonuses. Appreciate anyone using my link.
UPDATE! Amex Gold now showing 75K points plus up to $200 in statement credits for home furnishings! (try in incognito)
http://refer.amex.us/MAGDAKKHBe?XLINK=MYCP
Apply for an American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/ISMSCvMf?xl=cpzz5
Benefits:
• 60k welcome bonus
• $120 Uber Cash
• 4x points in dining and groceries
• 3x points on flights
• $120 Dining Credit
This card is so worth it! Thanks to everyone on this thread!
Apply for an American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/MARIAD2dHd?xl=cpzz5
I know you’d like the referral bonuses for this card, but it’s also easy to come up with a reason why just about every one of these benefits might hold little if any value for some:
1) 4x at restaurants – Citi Prestige offers 5X. Many no-annual fee cards offer 2X. You’d have to eat at a lot of restaurants to justify getting 4X over 2X for $250/year.
2) 4X at supermarkets – Wal-Mart and Target don’t count as supermarkets. If you normally do your shopping at one of these but have to spend more to switch your shopping to a full-price store, than the ability to earn 4X doesn’t matter. Discover is the only card that codes Wal-Mart as groceries.
3) 3X airfare? – Citi Prestige is 5X, and Business Ink is also 3X, but with a $95 annual fee and an arguably better transferable currency.
4) $10/ month for Uber? If you have a car you might not need Uber. Others might not need to use Uber every month of the year.
5) $120/month dining credit – this only works at a very select group of restaurants, none of which are within 300 miles of my house, so buying gift cards in the restaurant wouldn’t work either.
6) $250 annual fee – for a net cost of $50 more you can have a Sapphire Reserve with far more usable benefits, including the ability to feed a family of four with $112 in Priority Pass restaurant credits every time you fly out of many airports around the country. Same thing for Citi Prestige, with a same net cost of $250 as Amex Gold. In 2019 the Priority Pass restaurant benefit alone was worth $1900 to my own family.
6) Rose gold color? Who cares.
Best Card! Thank you Zach for the recommendation. I’ve been able to build my points in quick order and can’t wait to spend them on a transfer partner!
Apply for an American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/GINAETJ4m?xl=cp1001
YES, this is the one of the best card in the market right now!
And the offer is great, plus you’ll get all the benefits right away. Uber and Grubhub/Doordash credits work automatically. Extra points are nice too. And purchase protection can save you money if something goes wrong with things you purchase.
Apply here and get it DONE:
http://refer.amex.us/TAtYALPxmm?XLINK=MYCP
Apply for an American Express Card with this link. We can both get rewarded if you’re approved!
http://refer.amex.us/MARIADftDJ?XL=MIDCP
Rose Gold? Pink. blue. Orange. Pffftt. Who cares. just give me more points 🙂
If you use my link I’ll send you a bottle of Rose to match your rose gold card!
Apply for an American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/RICHAMBHes?XLINK=MYCP
Here is my referral link – current offer is 60k points! Thanks!
http://refer.amex.us/CAITLDDxMy?xl=cp01
Please use my referral code, I’d really appreciate it! 🙂
Apply for an American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/AISHaMNRYq?XLINK=MYCP
Use my referral please! This card is my FAVORITE!
http://refer.amex.us/MATTHm6ZAu?xl=cp33
Thanks!
little off topic, but wondering what CC you’d advise in my situation. I’m qualified for the Amex Plat special offer of 125K points after $5K spend. I can also get Chase Ink Pref @ 100K points. I’m a little hesitant to do the Amex Plat now b/c of annual fee and i won’t use any of the travel perks during COVID. I don’t like to apply for more than 1 card every 6 months or so.
***FOR CANADIAN READERS***
Use my referral to earn 250,000 points
http://amex.ca/share/eRINR4S54?CPID=100200325 no
Thank you! 🙏🏻
Pls elaborate on this Amex Canada 250,000 points offer from your msg … all I see is 25k
Please use the link below to apply for the 60K Gold card. If you are approved, I would get referral points and you’ll get 60K. Help out a fellow MR collector 🙂
Thank you.
http://refer.amex.us/PHUONTpm1m?XLINK=MYCP
Apply for an American Express Card with this link. We can both get rewarded if you’re approved!
Below is the link to the elevated offer of 60k MR, 4k min spend in 6 months.
Thanks
http://refer.amex.us/JANNGGOc4?xl=cp100b
If I infer correctly, my Platinum card @ $450/yr is not as good as the sexy Rose Gold $250 card? Heck I may have to agree…I need to downgrade!!! Clearly I need to ask Amex ‘what gives’ with this issue…shouldn’t I have/get more with the more expensive card?
Marie – I wouldn’t exactly say that – the Gold card does a great job at earning category bonuses – arguably the best out there – but the Amex Platinum offers a better suite of benefits than the Gold. Personally I think they complement each other quite well, but you would need to examine the benefits of each to decide which is best or both or neither
Good luck finding availability on SQ for suites at saver prices though. I was able to pull it off once, but been very tough since. Even a year out. I recently booked at the standard price because I had a big stack of krisflyer miles due to multiple covid cancelations. I know it’s awards travel sac relig, but what the hell, who knows if we’ll even be allowed to travel internationally in the future. Might as well burn the miles as fast as possible. I just hope we’re allowed to travel again.
Apply for an American Express Card with this link. We can both get rewarded if you’re approved!
Below is the link to the elevated offer of 60k MR, 4k min spend in 6 months.
Thanks
http://refer.amex.us/JANNGGOc4?xl=cp100b
The supermarket and restaurant premium points are limited to USA locations, correct?
Marc – ya that’s correct
The best company in the world…..i have it
What are your thoughts on combining the Platinum Card with the new Gold Card to maximize MR earning? Obviously there would be a hefty annual fee expense ($800 per year), but if both cards’ benefits and credits are used, do you think the two together would be a good point-earning strategy?
Hey Sheed – Great question ( I actually have Gold + Personal Plat + Biz Plat ) So I’m in a similar situation and will definitely keep one of the platinums and quite possibly both. For me , both plats yield more value than the AF and provide different value sets
In terms of earn yield – you’d pick up 2x on airlines ( 5x vs 3x ) – but the real value of concurrently holding a plat is in the bennies – priority pass, centurion lounge, international airline program, hotel/rental elite status, fhr, boingo, etc. If you’re utilizing the airline fee credit, saks credit, and uber credit, you’re essentially getting all those free of charge. pretty good deal and you’d be earning the most points per dollar on your airline purchases.
If I add a family member /authorized user to my platinum card and opt for the gold card instead of adding a platinum, will that person get these bonus categories on spend that would be added to my account?
Ben – AUs on Plat wouldn’t have these bennies unfortunately
Didn’t Lufthansa just blow fuel surcharges through the roof? Something like triple the surcharges? OMAAT did a post on it, but everyone else has been strangely silent on the subject.
Christian – I read the same article but haven’t seen them blown out on my end…could be there and I’m not replicating or could be similar to the Virgin/Delta fee glitch where they were currently improperly assessed.
What would you say has the most all around value… Chase points or Membership rewards points?
Patrick – the loss of Korean was a big hit to Chase, but Hyatt provides outsize value hotel wise. Amex also routinely has big transfer bonuses and more partners ( aero is a big pricing and routing advantage ). I try and earn both at similar rates, but I’ve certainly gone more bullish on MR this year vs UR.
*For CANADIAN RESIDENTS*
Use my referral link to receive 25,000 points!
http://amex.ca/share/eRINR4S54?CPID=100200325
Thank you!
I have this card! The Gold Amex!! Thank you for explaining it, in more detail!! It was very helpful…..
Happy to hear it! Amazing card 🙂
Do you know if they’ll allow plastic replacements for those that don’t like carrying a heavy card around in your wallet?
Tim – not sure…
Hey! You’re looking good today! Is that a new shirt??
Pick me please 🙂
Apply for an American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/JEFFRPV3SS?XLINK=MYCP
http://refer.amex.us/JAYSZoZa?XL=MIDCP
Limited time 60k bonus points referral available! Apply here: http://refer.amex.us/NATHASnawD?xl=cp19