Cards
Points & MilesAmEx
American Express Gold Card
Key facts
Annual fee$325/yr
Rewards currencyMembership Rewards Points (MR)
Recommended creditGood – Excellent (720+)
Transfer partnersYes
Near all-time high offer
Current sign-up bonus
Up to 100,000 Membership Rewards points after spending $8,000 in the first 6 months (offer varies by applicant)≈ $1,500 value
Reward rates
4x Dining (including delivery)
4x at US Supermarkets
3x Flights
1x on everything else
Annual credits
dining$120
Uber Cash$120
Effective annual cost$85/yr
Travel benefits
Emergency Evacuation (Unconfirmed)
Global Assist Hotline: 24/7 emergency assistance for medical, legal, and translation referrals while traveling more than 100 miles from home. Referrals only — third-party costs are the cardholder's responsibility. [UNCONFIRMED whether any medical evacuation expense reimbursement applies — Guide to Benefits required]
Travel Accident Insurance
Up to $100,000 for accidental death or dismemberment while traveling on a common carrier when the ticket is purchased with the card.
Baggage Delay (Unconfirmed)
None confirmed. [UNCONFIRMED — Guide to Benefits required]
Trip Delay
Trip Delay Insurance: Up to $300 per covered trip for delays of 12 hours or more. Maximum 2 claims per card per 12-month period. Covers reasonable additional expenses (meals, lodging, toiletries, etc.). Full round-trip must be charged to the card.
Purchase protections
Extended Warranty
Extended Warranty: Adds up to 1 additional year to the original manufacturer's warranty for eligible items with warranties of 5 years or less. Coverage up to $10,000 per item; up to $50,000 per account per year.
Purchase Protection
Purchase Protection: Covers eligible purchases against accidental damage or theft for 90 days from purchase date. Up to $10,000 per covered item; up to $50,000 per cardholder per year.
Other benefits
Annual Credits
Resy Credit: up to $100, resets Semi-Annual.
Authorized User Fee
$0 for up to 5 additional card members. $35 per year for each additional card member beyond the first 5.
Secondary Rental Car (Unconfirmed)
Car Rental Loss and Damage Insurance: Secondary coverage. Optional Premium Protection (primary, no deductible) available at $12.25–$24.95 per rental period (up to 42 days). [UNCONFIRMED exact secondary coverage dollar limit for Gold Card — Guide to Benefits required]
Lost / Stolen Baggage
Baggage Insurance Plan: Up to $1,250 per covered person for carry-on baggage; up to $500 per covered person for checked baggage. High-risk items sub-limit: $250 per item maximum. New York residents: up to $10,000 in aggregate per trip. Coverage applies when the full ticket is charged to the card.
Transfer Partners
Same Membership Rewards network. Airlines (1:1 unless noted): Aer Lingus, Air Canada Aeroplan, Air France-KLM Flying Blue, ANA, Avianca LifeMiles, British Airways, Cathay Pacific (5:4), Delta SkyMiles, Emirates (5:4), Etihad Guest (ending June 30 2026), Iberia, JetBlue (1:0.8), Qantas, Qatar Airways, Singapore KrisFlyer, Virgin Atlantic. Aeromexico: 1:1.6. Hotels: Choice Privileges (1:1), Hilton Honors (1:2), Marriott Bonvoy (1:1).
Welcome Bonus
Up to 100,000 Membership Rewards points after spending $8,000 in eligible purchases within the first 6 months of card membership (spend requirement increased from $6,000 to $8,000 as of 2026). Welcome offers vary; Amex one-bonus-per-lifetime restriction applies.
Earn Rates
4x Membership Rewards points at restaurants worldwide (up to $50,000 per calendar year, then 1x); 4x at U.S. supermarkets (up to $25,000 per calendar year, then 1x); 5x on prepaid hotels booked through AmexTravel.com or the Amex app (new as of April 30, 2026); 3x on flights booked directly with airlines or through AmexTravel.com or the Amex app; 2x on prepaid car rentals and cruises through AmexTravel.com; 1x on all other eligible purchases.
Best for
DiningGroceriesFlights
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Card terms, reward rates, and offers are subject to change. Always review the current cardmember agreement before applying. He's Got a Point is not affiliated with or endorsed by any card issuer. Benefit coverage may vary — verify with the issuer before relying on any protection.
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