American Express · Personal card
American Express Gold Card
The American Express Gold Card has a $325 annual fee and up to $520 a year in statement credits, across five credits. All Amex Gold credits need a one-time enrollment before any spending counts, and American Express will not apply them retroactively.
- Annual fee
- $325
- Charged on your account anniversary
- Credits a year
- Up to $520
- 5 statement credits, used in full
- Need enrollment
- 5 of 5
- Credits. Enroll before you spend
Every credit, and when it resets
Amounts are per period. The last column is what each credit adds up to in a year if you use it every time. American Express won't backdate enrollment, so enroll before you spend.
| Credit | Amount | Resets | A year |
|---|---|---|---|
| Monthly dining creditEnroll first$10 a month. On the 1st of each month | $10 a month | On the 1st of each month | $120 |
| Uber CashEnroll first$10 a month. On the 1st of each month | $10 a month | On the 1st of each month | $120 |
| Semiannual Resy creditEnroll first$50 every six months. Twice a year, in January and July | $50 every six months | Twice a year, in January and July | $100 |
| Uber One membership creditEnroll first$96 once. One-time, with no reset | $96 once | One-time, with no reset | $96 |
| Monthly Dunkin' creditEnroll first$7 a month. On the 1st of each month | $7 a month | On the 1st of each month | $84 |
| Total a year, if you use every credit | $520 |
What people get wrong
- Enrollment comes first. Five benefits need a one-time enrollment. Spend before you enroll and nothing posts, because American Express will not apply a credit retroactively.
- Nothing rolls over. Whatever is unused when a period ends is gone, so a monthly credit missed in March can't be used in April.
Questions about the Amex Gold
What is the annual fee on the American Express Gold Card?
$325 a year, charged each year on your account anniversary.
How much are the Amex Gold credits worth?
Up to $520 a year if you use all five statement credits in full. The largest: Monthly dining credit ($120), Uber Cash ($120) and Semiannual Resy credit ($100).
Which Amex Gold benefits need enrollment?
All five: Monthly dining credit, Uber Cash, Semiannual Resy credit, Uber One membership credit and Monthly Dunkin' credit. Enroll before you spend, because American Express will not apply a credit retroactively.
When do the Amex Gold credits reset?
Monthly credits reset on the 1st of each month, and twice-yearly credits on January 1 and July 1. Unused credit does not roll over.
Is the Amex Gold worth the $325 fee?
On credits alone, only if you use at least 63% of them. They add up to $520 a year against the $325 fee, but each is tied to a merchant and a period, so what counts is the ones you would use anyway.
What points does the Amex Gold earn?
American Express Membership Rewards points, worth about 1.75 cents each in a typical redemption.
