Who should (and who shouldn’t) get the Amex Gold?

will not be eligible to receive it again. So if you’ve had the Amex Gold in the past and already earned the welcome bonus, you won’t be able to get it again. It’s important to consider this before applying for the card, as the welcome bonus is a significant part of its value.

People who don’t spend much on dining and groceries

While the Amex Gold offers great earning potential on dining and U.S. supermarket purchases, if you don’t spend much in these categories, you may not be able to maximize the card’s benefits. The annual fee and statement credits may not outweigh the rewards you would earn on other cards that align better with your spending habits.

People who prefer cash back over travel rewards

The Amex Gold earns valuable American Express Membership Rewards points, which are best utilized for travel redemptions. If you prefer cash back rewards or value simplicity in your credit card rewards, the Amex Gold may not be the best fit for you. There are other cash back credit cards available that may better suit your preferences.

People who don’t travel frequently

The Amex Gold offers additional benefits such as 3 points per dollar on flights and up to $100 credit when booking through The Hotel Collection. These perks are most valuable for frequent travelers who can take advantage of them. If you don’t travel often or prefer to use other travel rewards programs, these benefits may not be as beneficial to you.


The Amex Gold Card is a premium rewards card that offers a range of benefits and earning potential. With its statement credits, bonus point categories, and valuable Membership Rewards points, it can be a great card for those who spend heavily on dining and groceries and can maximize the annual credits. It’s also a good option for those looking to complete the Amex trifecta or who are over 5/24 with Chase. However, it may not be the best fit for those who don’t spend much in the bonus categories, prefer cash back rewards, or don’t travel frequently. Ultimately, it’s important to consider your spending habits and travel preferences before deciding if the Amex Gold Card is right for you.

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