Use your rewards by logging into the Membership Rewards portal or through your credit card account, depending on how you want to use your points.

Book travel: 0.5 cents to 1 cent, depending on type of travel and destination

Redeem for gift cards: Up to 1 cent 

Pay with points at checkout: 0.5 cents to 1 cent, depending on retailer

Cover your card charges with a statement credit: 0.6 cents 

Shop the Amex shopping portal: 0.5 cents

Another option is to transfer your points to one of 22 airline or hotel rewards travel partners. In general, you can transfer points to their rewards programs in 1,000-point increments. You’ll also pay an “excise tax offset fee” of 0.06 cents per point, up to a maximum of $99 per transfer (that’s the first 165,000 points you transfer).


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Foreign transaction fee



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How to Get the Most Out Of This Card

Make sure you spend at least $4,000 on this card within the first three months so you earn the 35,000-point welcome offer—this is simply too good to pass up. After that, take a few minutes to enroll in the benefit programs that require sign-ups (more on those below), because taking advantage of those almost make up for the annual fee.

Finally, keep the card in your wallet and use it when you’re at the supermarket or dining out, since this is how you’ll earn the most points. 

American Express Gold Card’s Excellent Perks

$100 annual airline fee reimbursement: Enroll in this benefit to get reimbursed for airline fees on the carrier of your choice. You can get up to $100 back in statement credits each year when you use the card to pay fees for checked bags, in-flight drinks and meals, and in-flight internet (but not for the cost of a ticket or seat upgrades), on your chosen airline. 

Coverage for lost luggage: This plan will reimburse you for up to $1,250 per person on your reservation and $250 for “high-risk equipment” like cameras or sporting equipment. 

Travel accident insurance: If you, your spouse, or your children become permanently disabled or die on a trip paid for with this card, you or your beneficiaries can receive up to $250,000 as compensation.

Customer Experience

American Express consistently gets good marks for its customer service. In fact, according to a 2019 J.D. Power report, it ranked second only to Discover in terms of customer satisfaction. It scored 838 (out of 1,000), well above the industry average of 806.

The company provides 24/7 customer support via phone and chat. Aside from that, you can manage your account through the American Express app, which can also show you any special perks or benefits available near your current location.

Security Features

American Express offers basic, industry-standard security features. Amex also offers a free credit monitoring service called MyCredit Guide, which is available to anyone, even non-cardholders. It provides a VantageScore 3.0 credit score and other credit watching tools. Cardholders can also check their FICO Score 8 through their account page online or via the app.

American Express Gold Card Review

From good To exceptional ( Credit Recommended Good )

American Express Gold Card Review

With its bonus points coming from purchases at restaurants, grocery stores, and for travel, this is a rewards card meant for people who like to eat and roam. That’s because cardholders are well-advised to spend the points they earn by eating on a wide array of travel: airfare, cruises, hotels, and lots of other travel experiences. These generally have the best redemption value. The Gold Card offers plenty of travel perks, too.

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pros and cons

No foreign transaction fee

Lots of travel credits and perks

Lots of rewards redemption options

Very high rewards earnings rate on food and airfare purchases

High annual fee

Limited financing options

Narrow rewards categories


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Purchase APR


Foreign Transaction Fee

Cash Back


Credit Score


Cash Back Credit Cards For Groceries

If you hit the supermarket all the time, then you might want to look into getting a credit card that rewards you for getting groceries. Here’s our take on the best credit cards for cash back on groceries.

Cash Back Credit Cards For Student

While it can be difficult to get approved for a new credit card with a limited credit history, there are several major banks that offer credit cards designed specifically for college students. Students can get great cash back by using these cards.

Cash Back Credit Cards For Dining at Restaurants

If you’re always going out to eat or ordering in, how does saving 4% on all that spending sound? Just don’t fight over who gets to pay the bill.These cards are your best options for cash back on dining at restaurants.

Related Credit Card/Article

If you regularly fill your car’s fuel tank with 50 to 75 gallons or more of gas each month and can’t qualify for an everyday rewards card that lets you earn more gas rewards, the Valero credit card could be a decent alternative. This private label “credit builder” card offers a large enough rebate on gas purchases to significantly trim your annual expenses—especially if you drive a gas guzzler or spend a lot of time on the road.
Valero Credit Card
The BP Credit Card is the more basic of two credit cards for BP and Amoco fans looking for ways to save at the pump. If your credit is less-than-stellar, you have a better chance of qualifying for this card. While the APR is high, the per-gallon gas discounts are competitive. Just remember, you can only use the card at participating BP and Amoco gas stations.
BP Credit Card
If you are looking to make more out of your gasoline purchases then the Sunoco Rewards Credit Card is a good card to make savings, plus being a good all-round credit card. The main incentive for this card is the money off scheme applied to all gasoline purchases made at Sunoco gas stations, of which there are currently over 4,800 across the United States. For every gallon of gasoline your buy, you get 5 cents off when you use this credit card.
Sunoco Credit Card
Earn Costco cash rewards anywhere Visa is accepted. Plus, no annual fee with your paid Costco membership.* Cash back will be provided as an annual credit card reward certificate once your February billing statement closes, redeemable for cash or merchandise at US Costco Warehouses, including Puerto Rico.
Costco Anywhere Visa® Card by Citi
The Techron Advantage™ Visa® Card boasts no annual fee and, for a limited time, cardholders can enjoy up to 47¢ off per gallon in “fuel credits” at participating Chevron and Texaco gas stations (U.S. only).
Chevron and Texaco Credit Card
Citi AAdvantage Platinum Select is the best American Airlines credit card for light-spenders. The AAdvantage Platinum Select card has one of the lowest annual fees among American Airlines credit cards ($99, starting the second year), and its initial bonus (50,000 miles) is among the best values. New cardholders need to spend at least $2,500 within three months of opening an account to qualify for the bonus.
Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®
The IHG Rewards Club Traveler Credit Card is worth considering if you regularly stay at InterContinental, Holiday Inn, Crowne Plaza or one of the other popular hotel brands owned by IHG but do not want to pay an annual fee in order to earn extra rewards points with an IHG credit card. In addition to a $0 annual fee, the IHG Traveler Card offers an initial bonus of 100,000 points to new cardholders who spend at least $2,000 within 3 months of opening an account. It also rewards users with 1 - 5 points per $1 normally.
IHG® Rewards Club Traveler Credit Card
The upgraded version of the highly rewarding Blue Cash Everyday from American Express, the Preferred card offers even more cash back at U.S. supermarkets and U.S. gas stations. It does however come with a $95 annual fee, but you might hardly notice it after taking advantage of the handy benefits and high cash back value the card provides.
Blue Cash Preferred® Card from American Express
If you’re new to travel credit cards the Propel could be a good place to start. It has no annual fee and provides the opportunity to earn points back on travel, gas, restaurants, and some eligible streaming services (a rare feature). You’ll also get a solid 0% intro APR on purchases and balance transfers.
Wells Fargo Propel American Express® card