Earn rates, as stated
4XRestaurants worldwideIssuer wording: 4X points on up to $50,000 in purchases per calendar year, then 1X
4XU.S. supermarketsIssuer wording: 4X points on up to $25,000 in purchases per calendar year, then 1X
5XPrepaid hotels booked through AmexTravel.com or the Amex Travel AppIssuer wording: 5X points
3XFlights booked through AmexTravel.com or the Amex Travel App, or purchased directly from airlinesIssuer wording: 3X points
2XPrepaid car rentals and cruises booked through AmexTravel.comIssuer wording: 2X points
1XAll other eligible purchasesIssuer wording: 1X points
Credits, as stated
$424 / yr if fully usedDining Credit (Grubhub, Cheesecake Factory, Wonder, and other select merchants)$10 in statement credits monthly, up to $120 annuallymonthly
Uber Cash$10 in Uber Cash each month, up to $120 annuallymonthly
Resy Creditup to $100 in statement credits each calendar year at participating U.S. Resy restaurantsannual
Dunkin' Creditup to $7 in monthly statement credits, up to $84 annuallymonthly
Hotel Collection Credit$100 credit when booking a stay of two nights or more through Amex's Hotel Collectionper eligible stay
Welcome offer, as stated by the issuer
Not shown here — the issuer's public page didn't state one we could read, or it's personalised. Check the issuer directly.
- Welcome offer could not be confirmed: the main marketing page content returned via fetch was truncated and did not include a stated welcome-offer points amount or spend requirement. Amex welcome offers are commonly personalized/variable by applicant, and no single universally-stated offer was found on a fetched issuer page today, so welcomeOffer.summary is set to null rather than guessed.
- The terms/disclosures page (americanexpress.com/en-us/credit-cards/apply/terms/personal/gold-card/25330-10-0) returned only a page title on fetch with no body content, so it could not be used to independently verify fees or rates beyond what the marketing page and the credit-intel annual-fee page confirmed.
- transferPartners confirmed from the main marketing page, which states Membership Rewards points can transfer to '20 airline and hotel travel partners'; the specific partner list/names were not enumerated in the fetched content.
- Hotel Collection Credit cadence is per qualifying stay (2+ nights), not monthly/annual — noted distinctly since it doesn't fit the typical cadence pattern of the other credits.