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American ExpressAmex

American Express Gold

A premium dining and grocery card that effectively pays for itself when you maximize the included credits.

$250/yrGood credit
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Rewards Categories

Restaurants

Worldwide restaurants

4x
U.S. Supermarkets

Up to $25,000/year

4x
Flights

Booked directly with airlines

3x
General

All other purchases

1x

Welcome Bonus

60,000 points after $6,000 spend in first 6 months

Highlights

  • $120 annual dining credit
  • $120 annual Uber Cash
  • No foreign transaction fees
  • Premium travel protections

Pros

  • +Top-tier dining and grocery earn
  • +Effective annual fee is $10 after credits
  • +Amex offers and perks

Cons

  • High upfront annual fee
  • Credits require monthly tracking
  • Not as widely accepted abroad