ResourcesCalculatorsAmerican Express Gold Card
$325 Annual Fee

Is the American Express Gold Card worth it for you?

Drag in your real annual spend. I'll do the points math the bank won't — earn rates, your credits, and how you redeem — then tell you if the fee pays for itself.

Sign-Up Bonus

Are you opening the card or thinking about closing it? Each situation has its own bonus — but you only get one.

Current offer: up to 100,000 pts after $8,000 spend in 6 months
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Your Annual Spend
How you redeem points
Annual spend by category

Enter your estimated annual spend in each bonus category.

Up to $50,000/yr, then 1X
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Up to $25,000/yr, then 1X
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amextravel.com or AmEx Travel app
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Card credits

Drag each slider to reflect how much of the credit you'd realistically use per year.

$10/month at GrubHub, The Cheesecake Factory, Five Guys, Buffalo Wild Wings & Wonder. Note: Goldbelly & Wine.com expiring June 30, 2026. Pro tip: order pickup on GrubHub to avoid delivery fees and get the full $10 of value.
Ease of use4/5MonthlySee why we rated it this way →

Restricted to specific merchants only. Goldbelly and Wine.com are losing eligibility June 30, 2026. Monthly $10 does not roll over — use it within the calendar month or lose it. Ordering pickup on GrubHub eliminates delivery and service fees, making the credit go further.

$/ $120 max
$10/month deposited as Uber Cash for Uber rides & Uber Eats.
Ease of use4/5MonthlySee why we rated it this way →

Must link your AmEx Gold to your Uber account first. Monthly $10 does not roll over — unused Uber Cash expires at the end of each calendar month.

$/ $120 max
One-time up to $96 statement credit toward an annual Uber One membership. Available April 30 – Oct 30, 2026 only.
Ease of use4/5One-timeSee why we rated it this way →

Limited-time offer — available April 30 through October 30, 2026 only. One-time credit toward an annual Uber One membership; not a recurring benefit.

$/ $96 max
$7/month credit at Dunkin'. Pro tip: on the 1st of each month, reload a Dunkin' gift card through the app using your AmEx Gold — this triggers the credit and loads your balance. Then pay in-store with the gift card to earn Dunkin' rewards points, effectively double-dipping.
Ease of use4/5MonthlySee why we rated it this way →

$7/month, does not roll over. Reload a Dunkin' app gift card on the 1st to lock in the credit, then pay with the gift card to stack Dunkin' rewards on top. Some locations inside airports, hospitals, or other venues may not trigger the credit.

$/ $84 max
$50 semi-annual credit (Jan–Jun & Jul–Dec) at restaurants on Resy.
Ease of use3/5Semi-AnnualSee why we rated it this way →

$50 per semi-annual window; unused portions do not roll over. Resy restaurant availability is strongest in major metros — varies significantly in smaller markets.

$/ $100 max

Optional — enter a dollar value for any protection or status benefits you'd use.

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Net value after the $325 fee
$-325.00SKIP IT
Rewards earned$325 fee
Points earned / year0 pts
Rewards value$0.00
Annual fee−$325
Effective return on spend0.00%
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Card images, names, and logos shown on this page are trademarks of their respective owners, including American Express, GrubHub, The Cheesecake Factory, Five Guys, Buffalo Wild Wings, Wonder, Goldbelly, Wine.com, Uber, Uber One, Dunkin’, Resy, and Hertz. Their use here is for identification purposes only and does not imply endorsement or affiliation.

Educational purposes only. The content on this site — including guides, calculators, card comparisons, and recommendations — is provided for informational and educational purposes only. It does not constitute financial, tax, or legal advice. Credit card terms, rewards rates, and benefits change frequently; always verify details on the issuer’s official website before applying. He’s Got a Point is not a licensed financial advisor.