American Express® Gold Card

Note: American Express is a Frequent Miler advertiser. Please see our Advertiser Disclosure.

Card Details and Application Link
American Express® Gold Card
90K Points + up to $250 back
90K after $4K spend in first 6 months plus 20% back as a statement credit on restaurant purchases worldwide for the first 12 months up to $250 back. Terms apply. (Rates & Fees)
(Offer Expires 6/8/2022)

Click Here to Apply

$250 Annual Fee

FM Mini Review: This card offers an awesome return on US supermarket and worldwide dining spend, putting it at or near the top-of-class in both categories. Dining credits and Uber / Uber Eats credits go a long way towards reducing the sting of this card's annual fee.


Card Type: Amex Pay Over Time Card

Base
Travel
Dine
Grocery

Earning rate: 3X points for flights booked with airlines or on amextravel.com ⚬ 4x points at US Supermarkets (up to $25K in purchases, then 1x) ⚬ 4x at restaurants worldwide ⚬ 1X points on other purchases. Terms apply. (Rates & Fees)

Noteworthy perks: Up to $10 in statement credits monthly with participating dining partners (Boxed.com, Shake Shack, Seamless/Grubhub, Cheesecake Factory and Ruth’s Chris Steakhouse) ⚬ $10 monthly Uber or Uber Eats credit (use it or lose it each month) ⚬ Complimentary Uber Eats Pass Membership for up to 12 months (must enroll by 12/31/21) ⚬ $100 hotel credit on qualifying charges on stays of 2 nights or longer, plus a room upgrade upon arrival, if available with The Hotel Collection at americanexpress.com/hc ⚬ Enrollment required for select benefits.

Rewards

Amex Membership Rewards points can be incredibly valuable if you know how to use them. In general, if you use Membership Rewards points to pay for merchandise or travel, you won't get good value from your points. One exception is with the Business Platinum card where you'll get a 35% point rebate when using points to book certain flights. This gives you approximately 1.5 cents per point value, which is pretty good. Another exception is with the Business Gold Card where you'll get a 25% point rebate when using points to book certain flights. This gives you approximately 1.33 cents per point value. If you don't have either card, then your best bet is to transfer points to airline miles in order to book high value awards. More details can be found here: Amex Membership Rewards Complete Guide.

Application Tips


Amex Application Tips



  • Safe to Apply: Amex is the safest bank for trying your luck at earning a new welcome bonus offer. They don’t usually issue a hard pull when denying your application, and if you already have an Amex card, they won't usually issue a hard pull when approved for another one. Plus, they’ll now warn you during the application process if you’re not eligible for the bonus.

  • Lifetime Rule: If you've ever had the same card before, you are most likely prohibited from earning a welcome bonus offer for the card if you apply now. Fortunately you'll be warned during the application process if this is the case. Amex is known to "forget" that you've had a card after about 7 years.

  • 90 Day Rule: You can get at most two credit cards within 90 days. This rule does not apply to Pay Over Time (charge) cards.

  • 5 credit card max: Amex usually won't approve applications for new credit cards if you already have 5 or more Amex credit cards or 10 or more charge cards.

  • Better Offers: You may be able to get a better offer than the best available public offer. Details here.

  • Hard inquiries combine into 1 when approved same day


Check application status here.
If denied, call reconsideration: 877-399-3083 (new accountholders); 866-314-0237 (current accountholders)


How to Meet Spend Requirements

In order to meet minimum spend requirements, people often look for options to increase spend in ways that result in getting their money back. These techniques are referred to as "manufacturing spend". American Express has terms in their welcome offers that exclude some manufactured spend techniques from counting towards the minimum spend requirements for the welcome bonus offer. For example, most new cardmember bonuses have terms like this:
Eligible purchases to meet the Threshold Amount do NOT include fees or interest charges, purchases of travelers checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or purchases of other cash equivalents.
That said, many techniques for meeting minimum spend are perfectly fine. Here are some techniques that are safe for meeting Amex minimum spend requirements (click each link for more information):

Related Cards (Membership Rewards)

Card Offer
The Platinum Card® from American Express
150K Points + 10x restaurants
150K after $6K spend in first 6 months + 10x at restaurants worldwide for the first 6 months on up to $25K in eligible purchases. Terms apply. (Rates & Fees)
(Offer Expires 6/8/2022)

$695 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Recent better offer: 125K after $6K in the first 6 months + 15x when you Shop Small in the US and at restaurants worldwide on up to $25K in eligible purchases in the first 6 months [Expired 1/20/22]

The Business Platinum Card® from American Express
120K points
120K points after $15K spend in the first 3 months. Terms apply. (Rates & Fees)

$695 Annual Fee

Alternate offer: Some people are targeted for an offer of 160K total points: 150K after $15K spend in the first 3 months + 10K when you add an employee card at the time of application and spend $1K on the employee card in the first 3 months. See if you are targeted here.

Recent better offer: 150K after $20K Spend (Targeted)

American Express® Gold Card
90K Points + up to $250 back
90K after $4K spend in first 6 months plus 20% back as a statement credit on restaurant purchases worldwide for the first 12 months up to $250 back. Terms apply. (Rates & Fees)
(Offer Expires 6/8/2022)

$250 Annual Fee

The Platinum Card® from American Express Exclusively for Morgan Stanley
100K points
100K after $6K spend in first 6 months. Terms apply. (Rates & Fees)

$695 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Recent better offer: 100K points + 10x when you Shop Small in the US & at restaurants worldwide [Expired 1/20/22]

American Express® Green Card
50K Points + up to $150 back
50K after $2K spend in first 6 months plus 20% back as a statement credit on restaurant purchases worldwide for the first 12 months up to $150 back. Terms apply. See Rates & Fees

$150 Annual Fee

American Express® Business Gold Card
70K Points
70K points after $10K spend in 3 months. Terms apply. (Rates & Fees)

$295 Annual Fee

Alternate offer: Some are targeted for an offer of up to 100K points: 90K points after $10K in purchases in the first 3 months + 10K points when you add an employee card at the time of application and they spend $1,000 in the first 3 months. You can check here to see if you are targeted.

Recent better offer: 70K points + up to $300 in statement credits: 70K points after $10K spend in 3 months + up to $150 in statement credits for US shipping purchases and up to $150 in statement credits US advertising purchases. [Expired 4/7/21]

The Blue Business® Plus Credit Card from American Express
15K points
15K after $3K spend in 3 months. Terms apply. (Rates & Fees)

No Annual Fee

Alternate offer: Some people have been targeted for an offer in their online account for 50K points after $15K in purchases in their first 12 months.

Recent better offer: 20K after $3K spend in 3 months (Expired 6/21/17)

The Amex EveryDay® Preferred Credit Card from American Express
15K Points
15K after $1K spend in 3 months. Terms apply.

$95 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Some people click through and find that they are targeted for an offer of 30K points after $2K spend in 3 months.

Recent better offer: 30K after $2K in first 3 months

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thomasthorn85

I think the 90k referral offer is dead.

Lin

It worked for me, just tried and was accepted. Love the content Nick and Greg, keep up the great work!!!

Mark P

Which should I go for – referral offer from P2 wherin they would get 30K and I would only get the 60K offer, or apply by myself for the 75K+$250 Resy offer? They seem to be about equivalent in total earnings from signup.

matmaliack

@Greg or Nick – So, I was planning to use my wife’s referral link for the Gold Card (+3 membership points for any $ she spends). However, the referral does not give 20% cash back on Restaurants upto $250. Have you seen this issue occur were the referral link offer is not as good as the public offer that’s available for Gold?

Nick Reyes

Yes, that’s why we aren’t listing a referral offer right now (and haven’t for many months on this card or the Platinum card). We always list the best publicly-available offer. The Resy offer for the Gold (and also the Platinum card) is the best current offer.

matmaliack

Thanks Nick!!!

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[…] came so close to recommending that Key drop her $250/year Amex Gold card. She does earn lots of points with the card thanks largely to having installed the card on her […]

trackback

[…] categories.  Examples include the Chase Sapphire Reserve which offers 3X for travel & dining; Amex Gold which offers 4X for US restaurants and 4X for US supermarkets (up to $25K per year spend, then 1X); […]

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[…] of us who spend a lot on groceries likely have the Amex Gold card because it earns 4x at US Supermarkets on the first $25K in purchases per year (then 1x). It also […]

MalMel

Thank you!! I used your yellow ‘Click here to apply’ link for the Amex Gold and got the 50k bonus. That was after looking at my Amex online account card offer, it was 35k. Then I looked incognito, cleared cookies, etc.Still 35k. Returned to your article and your link provided 50k. I am like a dog with a bone…..now if I could only get the Virgin Atlantic site to work.

MalMel

To clarify, I clicked on the yellow ‘More’, then on the next page I clicked the yellow ‘Click here to apply’.

Sara Weiss

Can I apply my AMEX GOLD $100 annual credit towards the early bird boarding fee on Southwest? I called AMEX customer service and southwest customer service (spoke with supervisor) and they didn’t know.

Nick Reyes
Vaibhav Shetge

clicking thru the link here the current sign up bonus shows 40k. I have tried in incognito too.. was there another trick to get to the 50k landing page?

Nick Reyes

Thanks for commenting. Interestingly, when I tried the link, it showed me the 50K offer. Greg saw the 40K offer that you’re seeing. I then tried a different browser and saw the 40K offer. It seems they have a couple of offers out there on the card.

Vaibhav Shetge

Tried the fresh browser instance and that showed 35k!!
Interesting point on the 50k.. maybe its targeted? what browser did you use for the 50k offer?

Vaibhav Shetge

I tried Safari on my macbook and saw the 50k. The previous 40k and 35k were also on the same macbook, but with chrome.
Thanks guys! Netted extra 10/15k!!

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Gabe

Does an authorized user get a whole new set of the perks listed above ($100 airline fees reimbursement, $10 dining credit, etc)?

Nick Reyes

No.

[…] Amex Gold Card: Offers 4 points per dollar at US grocery stores (up to $25,000 annually). […]

Steve

The information at the top says that the offer expires in January 2018. Don’t you mean 2019?

[…] More info about the new card can be found here. […]

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