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| Card Details and Application Link |
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American Express® Gold Card 90K points + 20% back at restaurants ⓘ Friend-Referral 90K points after $6K in purchases in the first 6 months + 20% back at restaurants for the first 6 months up to $100 back. Terms apply. (Rates & Fees)$325 Annual Fee Friend-referral links like this one sometimes result in an error message incorrectly stating that a character may be missing. If this happens to you, try opening the same link in a different browser. Click Here to Apply This is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer Information 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: 90K after $6K in the first 6 months + 20% back at restaurants for the first 12 months up to $250 back [Expired 6/8/22] 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. 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) Card Info: Amex Pay Over Time Card issued by Amex. This card has no foreign currency conversion fees. Noteworthy perks: Up to $10 in statement credits monthly with participating dining partners (Goldbelly, Wine.com, Five Guys, Seamless/Grubhub, The Cheesecake Factory) ✦ $10 monthly Uber or Uber Eats credit (use it or lose it each month) ✦ $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. |
Intro
The American Express Gold Card is a solid option for those who can make use of the monthly dining credits given that it also offers terrific return on spend at both U.S. Supermarkets and restaurants worldwide. Given the strength of Amex transfer partners, it is hard to argue that there is a better card in those bonus categories.
However, if you don’t make use of the monthly dining credits, it may be hard to justify this card’s annual fee given that there are cheaper options on the market for earning only marginally lower return in those same categories.
Application Tips
Amex Application Tips
Check application status here. |
Should you apply?
Gold card welcome bonuses are usually worth considerably more than the card’s annual fee. So, as long as you can make use of some of the card’s perks, and as long as you can meet the offer’s minimum spend requirements, it makes sense to apply for at least one year. You can always cancel (or downgrade to a less expensive card) once the annual fee comes due in year 2 so as to avoid paying for the second year.
Amex Gold Card Reconsideration
If denied, call reconsideration: 877-399-3083 (new account holders); 866-314-0237 (current account holders)
How to Meet Minimum 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):
Annual Fee
The Amex Gold card has a $250 annual fee. Additional cardholders are free (and Amex sometimes offers a small bonus when you add a cardholder and they meet a minimum spending requirement).
Amex Gold Card Perks
Arguably the most important perks of the Amex Gold card are the bonus categories. Earning 4x transferable points on the first $25K in purchases at U.S. Supermarkets per year (then 1x) is certainly an attractive prospect for many. Earning 4x at restaurants worldwide could be icing on the cake for those who dine out frequently.
However, in order to justify the annual fee, you will likely need to be able to take advantage of the card’s key statement credit benefits:
- $10 monthly Uber Cash. Just add your card to our Uber account and you receive $10 in Uber Cash each month to use on Uber Eats or Uber rides in the U.S. You must use this by the end of the month.
- Up to $10 per month in statement credits for purchases at GrubHub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, and select Shake Shack locations.
If you’re able to make use of both credits each month, that’s up to $240 worth of credits and Uber Cash. However, you shouldn’t value it at face value since you would expect a discount if paying up front for a subscription to monthly credits.
Redeem Points
In general, Membership Rewards points are worth up to 1 cent each when redeemed for merchandise or gift cards. Fortunately, there are three ways in which it is possible to get more value: redeem points for flights, transfer points to hotel or airline partners, or invest rewards. More on each below…
Travel
Those with Amex Platinum cards automatically get 1 cent per point value when redeeming points for travel. That's not particularly good, but it's much better than the value that people get without an Amex Platinum card. Currently, the only way to get better than 1 cent per point value when redeeming points for travel is with the Business Platinum Card.
The Business Platinum Card offers a 35% Airline Bonus: Get 35% of your points back when you redeem points through Amex Travel for either a First or Business class flight on any airline, or for any flights with your selected airline.
After you receive the 35% rebate, the value works out to 1.54 cents per point. That's very good, but it does require owning this ultra-premium card.
The Business Platinum Card offers a 35% Airline Bonus: Get 35% of your points back when you redeem points through Amex Travel for either a First or Business class flight on any airline, or for any flights with your selected airline.
After you receive the 35% rebate, the value works out to 1.54 cents per point. That's very good, but it does require owning this ultra-premium card.
Transfer points
The best use of Membership Rewards points, in our opinion, is to transfer points to airline and hotel partners in order to book high value awards. Your best bet is usually to wait until you find a great flight or flight award before transferring points. One exception: Amex often offers 30% or higher transfer bonuses to certain programs (Virgin Atlantic and British Airways are two common examples). If you’re confident that you’ll use the points for good value, it may make sense to transfer points when those bonuses are in effect.
For specific examples of great ways to use points transferred to airline miles, please see: Amex Membership Rewards sweet spots.
Current Transfer Bonuses
Here are the currently available transfer bonuses from Amex Membership Rewards (this table will update automatically when new offers are found):
Points can be transferred to the loyalty accounts of the primary cardholder or any authorized user or employee on the account.
Transfer Partners
It is free to transfer Membership Rewards points to foreign airlines. For transfers to US airlines, however, Amex charges an “excise tax offset fee” of $0.0006 per point (with a maximum fee of $99). Airlines subject to this fee are noted below.
| Rewards Program | Amex Transfer Ratio | Best Uses |
|---|---|---|
| Aer Lingus Avios | 1 to 1 | Fuel surcharges are sometimes lower when booking with Aer Lingus rather than British Airways, Qatar, or Iberia. It's possible to move points (Avios) between Iberia, British Airways, Aer Lingus, and Qatar. See also: Avios Sweet Spots for Award Tickets. |
| AeroMexico ClubPremier | 1 to 1.6 | AeroMexico is a SkyTeam partner. Club Premier points can be used to book flights on AeroMexico, SkyTeam alliance members (such as Delta or Korean Air), or on select partner airlines. Unfortunately many have reported that awards are extremely difficult to book through AeroMexico so we do not recommend transferring points to this program. If you want to fly AeroMexico, look to transfer points to another SkyTeam partner (such as Air France) and then book AeroMexico with that program. |
| Air Canada Aeroplan | 1 to 1 | Redeem for Star Alliance flights and/or flights with Air Canada partners (such as Etihad). No fuel surcharges; $39 CAD award booking fee; 5,000 points to add stopover on one-way award. See: Air Canada Aeroplan: Everything you need to know. |
| Air France KLM Flying Blue | 1 to 1 | Monthly Air France Promo Awards often represent very good value. Air France miles can be used to book Sky Team awards, including Delta awards. Air France often offers very good business class award pricing between the US and Europe & Israel. |
| ANA Mileage Club | 1 to 1 | Redeem for Star Alliance flights. Multiple stopovers allowed. ANA offers many great sweet-spot awards, including flying around the world in business class for as few as 115K miles! See also: ANA - a terrific Membership Rewards gem. |
| Avianca LifeMiles | 1 to 1 | Avianca LifeMiles can be great for Star Alliance awards. They offer reasonable award prices and no fuel surcharges on awards. They also offer shorthaul awards within the US (for flying United, for example) for as few as 7,500 miles one-way. Best of all, their mixed-cabin pricing can lead to fantastic first-class award prices. See this post for details. |
| British Airways Avios | 1 to 1 | While flights on British Airways itself often incur outrageously high fuel surcharges, many BA partners charge low or no fuel surcharges. Excellent value can be had in redeeming BA points for short distance flights. It's possible to move points (Avios) between Iberia, British Airways, Aer Lingus, and Qatar. See also: Avios Sweet Spots for Award Tickets. |
| Cathay Pacific Asia Miles | 1 to 1 | Cathay Pacific has a decent distance based award chart, but they no longer allow stopovers longer than 24 hours. Cathay Pacific Asia Miles can be a good option for booking American Airlines flights with a distance based award chart, especially if other OneWorld Alliance miles aren't available. For long distance flights, it is possible to reduce the cost of a premium cabin award by adding on a lower cabin segment. See this post for details. |
| Choice | 1 to 1 | Choice Privileges points seem to be randomly valuable within the US, but dependably valuable internationally in expensive locations such as Scandinavia and Japan. Points can sometimes offer great value when used towards participating Preferred Hotels of the World. |
| Delta SkyMiles | 1 to 1 plus excise tax | Delta no longer charges change or cancellation fees on awards originating in North America. Flash award sales and flights to/from locations other than the U.S. or Canada can offer great value. See: Best uses for Delta miles. |
| Emirates Skywards | 1 to 1 | The best use of Emirates miles has been to fly Emirates itself. Unfortunately fuel surcharges can be extremely steep. One workaround is to book select routes such as JFK to Milan or Newark to Athens. See: How to find and book Emirates first class awards. |
| Etihad Guest | 1 to 1 | Etihad offers a distance based award chart for flying Etihad and another for its partners. Points may offer good value for expensive but short-distance flights. |
| Finnair Plus+ | 1 to 1 via BA | Finnair points are now "Avios" and points can be moved to/from other Avios programs. Finnair uses zone based award charts rather than distance based. As a result, Finnair sometimes has better (and sometimes worse) pricing than other Avios programs. |
| Hawaiian Miles | 1 to 1 plus excise tax | Hawaiian Miles can be converted instantly to Alaska Mileage Plan miles. Alaska Airlines offers decent oneworld award pricing, excellent short-distant pricing, and uniquely allows free stop-overs one one-way awards. Additionally, Alaska allows free award changes and cancelations (although they do have a small non-refundable partner award booking fee) |
| Hilton | 1 to 2 | 5th Night Free awards. Best value is usually found with very low end or very high end Hilton hotels. Bonus: award nights are not subject to resort fees. Note that Hilton points often go on sale for half a cent each and so its rare for point transfers to Hilton to be a good value. |
| Iberia Avios | 1 to 1 | On their own flights, Iberia offers low award prices and a very reasonable 25 Euro cancellation fee. Partner awards can offer good value under some circumstances as well, but these are usually nonrefundable. Fuel surcharges are sometimes lower when booking with Iberia rather than British Airways, Aer Lingus, or Qatar. It's possible to move points (Avios) between Iberia, British Airways, Aer Lingus, and Qatar. See also: Avios Sweet Spots for Award Tickets. |
| JetBlue | 250 to 200 plus excise tax | JetBlue points offer the most value when cheap ticket prices are available and when award taxes are high relative to the overall cost of the ticket (more details can be found here). The JetBlue Plus Card and the JetBlue Business Card offer a 10% rebate on awards, so you can get more value by holding one of these cards. |
| Marriott Bonvoy | 1 to 1 | 5th Night Free awards. Opportunities to get outsized value exist but can be hard to find. |
| Qantas Frequent Flyer | 1 to 1 | Best use is probably for flights on El Al with no fuel surcharges. Also useful for short AA flights. Qantas offers distance based award charts similar to Cathay Pacific. Both are OneWorld Alliance members. I recommend comparing award prices across both programs before transferring to either. Qantas offers round the world business class awards for only 280,000 points (but with many restrictions) |
| Qatar Privilege Club Avios | 1 to 1 | Qatar has reasonable award prices for flying Qatar itself. Points are now transferable 1 to 1 to British Airways (and from there to Aer Lingus or Iberia). It is now also possible to book JetBlue flights with Qatar Avios. |
| Singapore Airlines KrisFlyer | 1 to 1 | Use to book Singapore Airlines First Class awards (generally reserved for their own members), Alaska Airlines economy awards, or for Star Alliance awards (including United Airlines). |
| Virgin Atlantic Flying Club | 1 to 1 | Virgin Atlantic offers a few excellent sweet spot awards. See: Best uses for Virgin Atlantic points (Sweet Spot Spotlight). |
Cash back (invest with rewards)
You can redeem points for cash back at a reasonable rate with the Business Platinum Card, the American Express Platinum Card for Schwab or the Platinum Card for Morgan Stanley. With the Business Platinum card, you need an Amex Business Checking account to cash out points for 1 cent each. The Schwab and Morgan Stanley cards, meanwhile, offer the option to "Invest with Rewards." With the Schwab benefit you can deposit Membership Rewards points into a Schwab account at a value of 1.1 cents per point. For example, 60,000 points becomes $660. Starting October 1st, 2024, the ability to cash out points at 1.1 cents each will be limited to 1,000,000 points per calendar year. With the Morgan Stanley benefit, each point is worth 1 cent each, so you can redeem that same 60,000 points for $600.
Other options
You can also redeem points for gift cards or merchandise. At most, with this approach you’ll get 1 cent per point value, but usually you’ll get quite a bit less.
You can also use points to pay some merchants directly (Amazon.com, for example). Don’t do this. These options offer very poor value. Further, they may compromise the security of your account (i.e. if someone hacks into your Amazon account, they might spend your Membership Rewards points – causing you a headache in getting your points reinstated).
Manage Points
Combine Points
Amex automatically pools all of your points together. When you earn points with different cards, the point total shown when viewing either card is the total across cards.Share Points
Unlike Chase and Citibank, Amex doesn’t allow members to move points from one person’s account to another. That said, it is possible to transfer one person’s points to another person’s loyalty program account. The key is that the person who receives the points must be an authorized user or employee on the other person’s account. For example, my wife can transfer Membership Rewards points to my Virgin Atlantic account as long as I’m an authorized user (or employee) on any of her Membership Rewards cards.An authorized user card must be active for 90 days before it will unlock the ability to transfer your points to the authorized user’s loyalty program account.
How to Keep Points Alive
Thankfully, it is very easy to keep Amex Membership Rewards points alive. Simply keep any Membership Rewards card open. For example, if you are about to close your one and only Membership Rewards card, then open another Membership Rewards card account first in order to preserve your points. Amex offers some no-fee Membership Rewards cards, such as the Blue Business Plus and the Amex Everyday, so this shouldn't be much of a burden.Related Cards
| Card Offer |
|---|
250K points ⓘ Friend-Referral 250K points after $20K spend in the first 3 months. Terms apply. (Rates & Fees)$695 Annual Fee Alternate Offer: Targeted online offer of 250K points after $15K spend in the first 3 months See this post for details. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
100K points + 10X on dining ⓘ Non-Affiliate 100K points after $8K spend in 6 months + 10x on dining for 6 months (on up to $25K in purchases). Terms apply.$695 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
90K points + 20% back at restaurants ⓘ Friend-Referral 90K points after $6K in purchases in the first 6 months + 20% back at restaurants for the first 6 months up to $100 back. Terms apply. (Rates & Fees)$325 Annual Fee Information 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: 90K after $6K in the first 6 months + 20% back at restaurants for the first 12 months up to $250 back [Expired 6/8/22] |
40K points ⓘ Friend-Referral 40K after $3K spend in first 6 months. Terms apply. See Rates & Fees$150 Annual Fee Information 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: 60K after $3K spend in first 6 months + 20% off travel and transit purchases for first 6 months. [Expired 8/21/23] |
15K points ⓘ Friend-Referral 15K points after $3K spend in first 3 months. Terms & limitations apply. $95 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
200K points ⓘ Friend-Referral 200K points after $15K spend in 3 months. Terms apply. (Rates & Fees)$375 Annual Fee Information 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: None. This is the best we've ever seen. |
80K points ⓘ Non-Affiliate 80K after $8K spend in first 6 months. Terms apply.$695 Annual Fee Information 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 points after 6k spend [Expired 11/8/23] |
80K points ⓘ Non-Affiliate 80K after $8K spend in first 6 months. Terms apply. (Rates & Fees)$695 Annual Fee This card is only available to clients that maintain an eligible Schwab brokerage account. Information 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] |
15K points + 0% APR for 12 months ⓘ Affiliate 15k points after $3k spend within the first 3 months + 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.99% - 25.99%, based on your creditworthiness and other factors at account opening. (Rates & Fees)No Annual Fee |
![](http://cdn.nextinsure.com/imaging/opt/49ef3906-6ee7-4f77-a40b-74728901760e.jpg?w=300" alt="American Express® Business Gold Card" />)
Sorry, this link is not working or has expired. If you’d like to apply with your friend’s referral, you can ask them to send you a new referral link.
I’m getting this error when clicking the link.
Sorry, this link is not working or has expired. If you’d like to apply with your friend’s referral, you can ask them to send you a new referral link.
Need to update restaurant choice for $10 montly credit (ie add Five Guys, remove Shake Shack)
Sooo, now it’s saying it’s for the Business Gold… not the consumer version I’m looking for.
Thanks. This has been fixed
Now it’s saying missing character or incorrect character.
Try using a different browser, incognito mode or a new profile in the same browser. Amex won’t let many of us open referral links in our primary Chrome profile for some reason. I’m in the same boat and have to open up another Chrome profile or use incognito.
The expired error seems to indicate that the referral link has been maxed out. The incorrect character error seems to be that Amex doesn’t like your browser profile.
Thanks for that info and your help! I’ll try that.
The link is for Business Gold, not the consumer card, like it should be, FYI. I found another link elsewhere to use but want people to be aware the current link here is not for the right product.
Fixed. Thanks
The friend referral says it’s expired. Can you put a new one up?
If you copy and paste my referral link into an incognito browser you can get 100,000 + 20% Back up to $100
The link posted is working – but when I log into my AMEX a/c in the application page (using AMEX CA history)- the offer is no longer available. Any one else getting the same?
Looks like 90k points for 6k spend + 20% back at restaurants up to $50 is now available via referal
Would you mind emailing your referral link to stephen at frequentmiler.net
Happy to, just sent!
Where to see all these 90k referral links ? The FM site now just says 75k points.
The 90K + 20% restaurant offer is back. I have it through my referral link.
Would you mind emailing your referral link to stephen at frequentmiler.net
Where to see all these 90k referral links ? The FM site now just says 75k points.
There aren’t any links that always give 90k at the moment that I’m aware of. Sometimes that higher offer will show depending on which browser you’re using, where you’re located, if you’re using a VPN, etc.
It says ask my friend for a new referral link
Thanks for letting us know. It looks like that previous best offer has now expired, so we’ve updated the link with the best offer we’re aware of right now.
The post says “Those with Amex Platinum cards automatically get 1 cent per point value when redeeming points for travel”
But can’t the Gold Card also get 1 cent per point for flights on AmEx travel? And can’t neither one get 1 cent per point on other types of travel (aside from FHR for the Platinum)?
Even though most of us are transferring points, might be worth clarifying that section.
I’m getting a pop-up that says
“you are not eligible to receive the welcome offer. In determining eligibility, we considered your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors.”
Not sure what that means. I only have one AMEX card and haven’t opened a new card in over 6 months.
There’s a lot of reasons that you might get that pop-up, many of us do. Sometimes, you might get it on one link for a specific card, but not on another. Greg and Nick cover how to avoid “Pop-Up Prison” on this episode of the podcast.
The 90K + 20% restaurant offer is back. I have it through my referral link.
Something seems to be broken. This is showing $-337 first year value.
Are these links NLL?
I found that not to be the case with the first two (Pt and Gold offers)
No, they’re not.
My referral link for Gold shows the $200 offer but only 60k points