{"id":116003,"date":"2024-08-03T16:00:03","date_gmt":"2024-08-03T16:00:03","guid":{"rendered":"https:\/\/entertainment.runfyers.com\/index.php\/2024\/08\/03\/when-you-should-or-shouldnt-use-the-amex-gold-card-the-points-guy\/"},"modified":"2024-08-03T16:00:03","modified_gmt":"2024-08-03T16:00:03","slug":"when-you-should-or-shouldnt-use-the-amex-gold-card-the-points-guy","status":"publish","type":"post","link":"https:\/\/entertainment.runfyers.com\/index.php\/2024\/08\/03\/when-you-should-or-shouldnt-use-the-amex-gold-card-the-points-guy\/","title":{"rendered":"When you should (or shouldn\u2019t) use the Amex Gold Card &#8211; The Points Guy"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p>It&#8217;s no secret that we&#8217;re huge fans of the <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/the-american-express-gold-card\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">American Express\u00ae Gold Card<\/a><\/span> at TPG.<\/p>\n<p>While the card was <a href=\"https:\/\/thepointsguy.com\/credit-cards\/american-express-gold-card-refresh-2024\/\" rel=\"noopener\" target=\"_blank\">refreshed in late July<\/a>, it&#8217;s still in a Goldilocks sweet spot between premium and beginner cards, with strong earnings on restaurant and U.S. supermarket purchases and over $400 in annual statement credits that can <a href=\"https:\/\/thepointsguy.com\/credit-cards\/annual-fee-worth-it\/\" target=\"_blank\" rel=\"noopener\">help offset<\/a> its $325 annual fee (see <a href=\"https:\/\/thepointsguy.com\/apply\/american-express-gold-card-rates-fees\/?tid=post\" rel=\"noopener\" target=\"_blank\">rates and fees<\/a>). Enrollment is required, and terms apply.<\/p>\n<p>In this guide, we&#8217;ll highlight strategies that can help you earn thousands of bonus points each year by knowing when you should \u2014 and shouldn&#8217;t \u2014 use the Amex Gold Card.<\/p>\n<p><a id=\"overview-of-the-amex-gold\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Overview of the Amex Gold<\/h2>\n<p>The Amex Gold is the perfect <a href=\"https:\/\/thepointsguy.com\/credit-cards\/amex-gold-perfect-in-between-card\/\" rel=\"noopener\" target=\"_blank\">&#8220;in-between&#8221; card<\/a>, especially since it offers some serious benefits and earning potential for its $325 annual fee.<\/p>\n<p>With this card, you&#8217;ll earn an impressive 4 points per dollar spent at U.S. supermarkets (on up to $25,000 in spending per calendar year, then 1 point per dollar) and restaurants (on up to $50,000 in spending per calendar year, then 1 point per dollar), as well as 3 points per dollar on flights booked directly with an airline or through amextravel.com.<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/07\/American-Express-Gold-Rose-Gold-and-White-Gold.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/07\/American-Express-Gold-Rose-Gold-and-White-Gold.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/07\/American-Express-Gold-Rose-Gold-and-White-Gold.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/07\/American-Express-Gold-Rose-Gold-and-White-Gold.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/07\/American-Express-Gold-Rose-Gold-and-White-Gold.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/07\/American-Express-Gold-Rose-Gold-and-White-Gold.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/07\/American-Express-Gold-Rose-Gold-and-White-Gold.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/07\/American-Express-Gold-Rose-Gold-and-White-Gold.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/07\/American-Express-Gold-Rose-Gold-and-White-Gold.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">THE POINTS GUY<\/figcaption><\/figure>\n<p>And beyond this earning potential, this card comes with some serious benefits. You&#8217;ll get up to $424 in annual credits for <a href=\"https:\/\/thepointsguy.com\/credit-cards\/amex-gold-dining-credit\/\" rel=\"noopener\" target=\"_blank\">dining<\/a>, Dunkin&#8217;, <a href=\"https:\/\/thepointsguy.com\/credit-cards\/delta-amex-resy-credit\/\" rel=\"noopener\" target=\"_blank\">Resy<\/a> and <a href=\"https:\/\/thepointsguy.com\/credit-cards\/amex-platinum-uber-cash-credit\/\" rel=\"noopener\" target=\"_blank\">Uber<\/a>, travel perks like baggage insurance* and up to $100 in hotel credits for stays at The Hotel Collection properties (minimum two-night stay required). Enrollment is required for select benefits, and terms apply.<\/p>\n<p>New Amex Gold cardmembers can earn a welcome bonus of 60,000 points after spending $6,000 in the first six months of card membership. Plus, new cardmembers will earn 20% back as a statement credit for eligible restaurant purchases in the first cardmember year (up to $100 back).<\/p>\n<p>According to TPG&#8217;s July 2024 <a href=\"https:\/\/thepointsguy.com\/guide\/monthly-valuations\/\" rel=\"noopener\" target=\"_blank\">valuations<\/a>, this welcome offer is worth up to $1,300.<\/p>\n<p>By using the <a href=\"https:\/\/thepointsguy.com\/cardmatch\/\" target=\"_blank\" rel=\"noopener\">CardMatch tool<\/a>, you may get a more valuable welcome offer for the Amex Gold (offer subject to change at any time). Since American Express only allows cardmembers to earn one welcome offer per lifetime, it&#8217;s important to get the best offer you can.<\/p>\n<div class=\"&#10;        EmailSignUp_container__qYzYT&#10;        undefined&#10;        EmailSignUp_isLoading__i_qm0&#10;      \"><picture class=\"EmailSignUp_graphic__zgpFm\"><source media=\"screen and (max-width: 767px)\" srcset=\"\/images\/EmailSignUp\/daily-mob.svg\"\/><img decoding=\"async\" alt=\"\" src=\"https:\/\/thepointsguy.com\/images\/EmailSignUp\/daily-dt.svg\"\/><\/picture>\n<div class=\"EmailSignUp_form__C8FWb\">\n<p>Daily Newsletter<\/p>\n<p>Reward your inbox with the TPG Daily newsletter<\/p>\n<p>Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG\u2019s experts<\/p>\n<\/div>\n<\/div>\n<p><em>*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com\/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.<\/em><\/p>\n<p><a id=\"when-should-you-use-the-amex-gold\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">When should you use the Amex Gold?<\/h2>\n<h3>For dining<\/h3>\n<p>The <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/the-american-express-gold-card\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Amex Gold<\/a><\/span> isn&#8217;t the only card to offer a bonus category on dining at restaurants, but it might just be one of the most valuable.<\/p>\n<p>Cardmembers earn 4 Membership Rewards points per dollar spent on dining at restaurants, up to $50,000 per calendar year (1 point per dollar thereafter). According to TPG&#8217;s July 2024 <a href=\"https:\/\/thepointsguy.com\/guide\/monthly-valuations\/\" target=\"_blank\" rel=\"noopener\">valuations<\/a>, this equates to an 8% return on spending.<\/p>\n<p>For that reason, it tops our list of the <a href=\"https:\/\/thepointsguy.com\/credit-cards\/dining\/\" rel=\"noopener\" target=\"_blank\">best cards for dining out at restaurants<\/a>.<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/03\/Friends-eating-oysters-at-a-restaurant_d3sign.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/03\/Friends-eating-oysters-at-a-restaurant_d3sign.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/03\/Friends-eating-oysters-at-a-restaurant_d3sign.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/03\/Friends-eating-oysters-at-a-restaurant_d3sign.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/03\/Friends-eating-oysters-at-a-restaurant_d3sign.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/03\/Friends-eating-oysters-at-a-restaurant_d3sign.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/03\/Friends-eating-oysters-at-a-restaurant_d3sign.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/03\/Friends-eating-oysters-at-a-restaurant_d3sign.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/03\/Friends-eating-oysters-at-a-restaurant_d3sign.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">D3SIGN\/GETTY IMAGES<\/figcaption><\/figure>\n<p>To get the most out of your Amex Gold for this category, you must maximize its dining <a href=\"https:\/\/thepointsguy.com\/credit-cards\/how-long-statement-credits-take\/\" target=\"_blank\" rel=\"noopener\">statement credits<\/a>.<\/p>\n<p>Cardmembers can earn up to $10 per month (up to $120 per calendar year) in statement credits when paying with the Amex Gold at the following dining partners:<\/p>\n<ul>\n<li>Grubhub<\/li>\n<li>The Cheesecake Factory<\/li>\n<li>Goldbelly<\/li>\n<li>Wine.com<\/li>\n<li>Five Guys<\/li>\n<\/ul>\n<p>Additionally, cardmembers can receive up to $120 per calendar year in Uber Cash (up to $10 each month) to use on <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-cards-for-uber\/\" target=\"_blank\" rel=\"noopener\">Uber rides<\/a> or Uber Eats orders, so be sure to link your Amex Gold to your Uber account.<\/p>\n<p>The Amex Gold also offers up to $100 in statement credits every calendar year for purchases made at U.S. restaurants affiliated with Resy. These statement credits are split into bi-annual, up-to-$50 credits.<\/p>\n<p>Finally, an annual Dunkin&#8217; Donuts credit of up to $84 per calendar year is allotted in up to $7 monthly increments. Simply use your Amex Gold to pay at Dunkin&#8217;.<\/p>\n<h3>For groceries<\/h3>\n<p>Food is the name of the game with the Amex Gold. Aside from dining at restaurants, the card earns 4 points per dollar spent at U.S. supermarkets on up to $25,000 in purchases per calendar year (1 point per dollar thereafter).<\/p>\n<p>Therefore, you should definitely use the card for your next supermarket run, as it tops our list of the <a href=\"https:\/\/thepointsguy.com\/credit-cards\/grocery\/\" rel=\"noopener\" target=\"_blank\">best cards for groceries<\/a>.<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/08\/Diversity-Stock_Asian-Family_d3sign-2.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/08\/Diversity-Stock_Asian-Family_d3sign-2.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/08\/Diversity-Stock_Asian-Family_d3sign-2.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/08\/Diversity-Stock_Asian-Family_d3sign-2.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/08\/Diversity-Stock_Asian-Family_d3sign-2.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/08\/Diversity-Stock_Asian-Family_d3sign-2.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/08\/Diversity-Stock_Asian-Family_d3sign-2.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/08\/Diversity-Stock_Asian-Family_d3sign-2.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/08\/Diversity-Stock_Asian-Family_d3sign-2.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">D3SIGN\/GETTY IMAGES<\/figcaption><\/figure>\n<p>It is possible to end up with a slightly higher return on purchases at U.S. supermarkets by using <a href=\"https:\/\/thepointsguy.com\/credit-cards\/reviews\/credit-card-review-the-amex-everyday-preferred-credit-card\/\" rel=\"noopener noreferrer\" target=\"_blank\">The Amex EveryDay\u00ae Preferred Credit Card from American Express<\/a> \u2014 it earns 3 points per dollar at U.S. grocery stores on up to $6,000 in purchases per year, but every billing cycle you make 30 or more transactions with the card, you earn a 50% bonus, so your potential comes to 4.5 points per dollar.<\/p>\n<p>That said, the bonus categories on the Amex Gold don&#8217;t require you to jump through any hoops, such as a minimum number of transactions per month to earn the highest earning rates, and the annual cap for U.S. grocery stores is much higher than that with the Amex EveryDay Preferred.<\/p>\n<p><em>The information for the Amex EveryDay Preferred card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.<\/em><\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-card-pairings-amex-gold\/\" target=\"_blank\" rel=\"noopener\">7 of the best cards to pair with the Amex Gold<\/a><\/strong><\/p>\n<h3>For flights<\/h3>\n<p>While not as strong as some of our other favorite <a href=\"https:\/\/thepointsguy.com\/credit-cards\/travel\/\" rel=\"noopener\" target=\"_blank\">travel cards<\/a>, the Amex Gold is a great card to use for flights if you don&#8217;t have a more premium travel card in your wallet. Its 3-point-per-dollar earning rate on flights booked directly through the airline or on <a href=\"https:\/\/thepointsguy.com\/credit-cards\/amex-travel-guide\/\" rel=\"noopener\" target=\"_blank\">Amex Travel<\/a> is substantial.<\/p>\n<p>Just keep in mind that if you were to use <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/the-platinum-card-from-american-express\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">The Platinum Card\u00ae from American Express<\/a><\/span> instead, you could earn 5 Membership Rewards points per dollar on flights booked through Amex Travel or directly with airlines, on up to $500,000 of such purchases per calendar year (1 point per dollar thereafter).<\/p>\n<p>That said, the Amex Gold costs over $300 less per year versus the Amex Platinum (see Amex Platinum <a href=\"https:\/\/thepointsguy.com\/apply\/the-platinum-card-from-american-express-rates-fees\/?tid=post&amp;c_anonymous_id=ac85af1d-f843-4c20-af0b-fd8a92349c31&amp;c_instance_id=b1923bfb-089e-4cb0-9fb1-2ede1091cf8f&amp;c_session_id=f8e4335b-0b82-4f1b-b268-1736623c8151&amp;c_tenant_id=8830ce36-13f9-40da-8176-b8cbf73a598c&amp;c_correlation_id=2faf10fb-0b22-48c6-9143-c3e4b0891b90&amp;c_initial_referer=https%253A%252F%252Fwww.google.com%252F&amp;c_landing_page_url=https%253A%252F%252Fthepointsguy.com%252Fguide%252Fwho-should-get-amex-gold-card%252F&amp;c_productId=220311039&amp;c_channel=220311039&amp;c_name=The%20Platinum%20Card%26%23174%3B%20from%20American%20Express%20%26%238211%3B%20Rates%20%26amp%3B%20Fees%20(220311039)&amp;c_issuer=American%20Express&amp;c_location=unknown&amp;c_positionId=2&amp;c_exitPageId=https%3A%2F%2Fthepointsguy.com%2Fguide%2Fmaximizing-amex-business-platinum%2F\" target=\"_blank\" rel=\"noopener\">rates and fees<\/a>), so I don&#8217;t recommend opening the Amex Platinum just for the extra two points per dollar on flights.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/amex-platinum-and-amex-gold-card\/\" target=\"_blank\" rel=\"noopener\">Does it make sense to hold an Amex Platinum and Amex Gold card?<\/a><\/strong><\/p>\n<p><a id=\"when-shouldnt-you-use-the-amex-gold\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">When shouldn&#8217;t you use the Amex Gold?<\/h2>\n<h3>For everyday spending<\/h3>\n<p>The <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/the-american-express-gold-card\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Amex Gold<\/a><\/span> earns a mere 1 point per dollar on spending <a href=\"https:\/\/thepointsguy.com\/credit-cards\/everyday-spending\/\" target=\"_blank\" rel=\"noopener\">outside its specific bonus categories<\/a>. Other cards issued by Amex and other banks can offer better earning rates.<\/p>\n<p>For instance, <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/the-blue-business%e2%84%a0-plus-credit-card-from-american-express\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">The Blue Business\u00ae Plus Credit Card from American Express<\/a><\/span> might be a better option if you have a business. It has no annual fee (see <a href=\"https:\/\/thepointsguy.com\/apply\/the-blue-business%e2%84%a0-plus-credit-card-from-american-express-rates-fees\/?tid=post\" rel=\"noopener\" target=\"_blank\">rates and fees<\/a>) but earns 2 points per dollar on the first $50,000 spent in purchases each year (then 1 point per dollar after that).<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/07\/IMG-BuyingClothes.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/07\/IMG-BuyingClothes.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/07\/IMG-BuyingClothes.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/07\/IMG-BuyingClothes.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/07\/IMG-BuyingClothes.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/07\/IMG-BuyingClothes.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/07\/IMG-BuyingClothes.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/07\/IMG-BuyingClothes.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/07\/IMG-BuyingClothes.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">THOMAS BARWICK\/GETTY IMAGES<\/figcaption><\/figure>\n<p>Alternatively, a card such as the <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/citi-double-cash-card-18-month-bt-offer\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Citi Double Cash\u00ae Card<\/a><\/span> (see <a href=\"https:\/\/thepointsguy.com\/apply\/citi-double-cash-card-rates-and-fees\/?tid=post\" target=\"_blank\" rel=\"noopener\">rates and fees<\/a>) earns 1% back when you make a purchase and another 1% when you pay your statement. This means you can effectively earn 2% back.<\/p>\n<p>If you also have the <a href=\"https:\/\/thepointsguy.com\/credit-cards\/citi\/citi-prestige-credit-card-review\/\" rel=\"noopener noreferrer\" target=\"_blank\">Citi Prestige\u00ae Card<\/a>, you can combine your points into fully transferable ThankYou points. Based on TPG&#8217;s July 2024 <a href=\"https:\/\/thepointsguy.com\/guide\/monthly-valuations\/\" target=\"_blank\" rel=\"noopener\">valuation<\/a> of Citi ThankYou points at 1.8 cents each, this means you can earn an effective 3.6% return when you buy and pay with your Citi Double Cash Card.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/why-citi-double-cash\/\" target=\"_blank\" rel=\"noopener\">Why the Citi Double Cash will always have a place in my wallet<\/a><\/strong><\/p>\n<p><em>The information for the Citi Prestige<!-- --> card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.<\/em><\/p>\n<h3>For non-flight travel, such as hotels or rental cars<\/h3>\n<p>While the Amex Gold earns 3 points per dollar on flights booked directly with an <a href=\"https:\/\/thepointsguy.com\/credit-cards\/airline\/\" target=\"_blank\" rel=\"noopener\">airline<\/a> or through amextravel.com, you don&#8217;t earn such a bonus on other travel expenses, and it doesn&#8217;t offer the same <a href=\"https:\/\/thepointsguy.com\/credit-cards\/when-to-buy-travel-insurance-versus-when-to-rely-on-credit-card-protections\/\" target=\"_blank\" rel=\"noopener\">travel protections<\/a> as some other cards out there.<\/p>\n<p>Given that, using an alternative card for your non-flight bookings makes more sense.<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/09\/20210915_The-Ritz-Carlton-Fari-Islands-Maldives_CDong-203.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/09\/20210915_The-Ritz-Carlton-Fari-Islands-Maldives_CDong-203.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/09\/20210915_The-Ritz-Carlton-Fari-Islands-Maldives_CDong-203.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/09\/20210915_The-Ritz-Carlton-Fari-Islands-Maldives_CDong-203.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/09\/20210915_The-Ritz-Carlton-Fari-Islands-Maldives_CDong-203.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/09\/20210915_The-Ritz-Carlton-Fari-Islands-Maldives_CDong-203.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/09\/20210915_The-Ritz-Carlton-Fari-Islands-Maldives_CDong-203.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/09\/20210915_The-Ritz-Carlton-Fari-Islands-Maldives_CDong-203.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/09\/20210915_The-Ritz-Carlton-Fari-Islands-Maldives_CDong-203.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">CHRIS DONG\/THE POINTS GUY<\/figcaption><\/figure>\n<p>One of the most popular travel rewards cards on the market is the <a href=\"https:\/\/thepointsguy.com\/apply-now\/chase-sapphire-preferred-card\/?pid=22125056&amp;tid=post\" rel=\"noopener noreferrer\" target=\"_blank\">Chase Sapphire Preferred\u00ae Card<\/a>, with a $95 annual fee. On the travel front, these are the current earning rates:<\/p>\n<ul>\n<li>5 points per dollar on travel booked through <a href=\"https:\/\/thepointsguy.com\/credit-cards\/ultimate-rewards-travel-portal\/\" rel=\"noopener\" target=\"_blank\">Chase Travel\u2120<\/a><\/li>\n<li>2 points per dollar on other travel<\/li>\n<\/ul>\n<p>In addition, you&#8217;ll also receive the following non-travel bonuses:<\/p>\n<ul>\n<li>3 points per dollar on dining<\/li>\n<li>3 points per dollar on select <a href=\"https:\/\/thepointsguy.com\/credit-cards\/streaming\/\" rel=\"noopener\" target=\"_blank\">streaming services<\/a><\/li>\n<li>3 points per dollar on online groceries (excludes Target, Walmart and wholesale clubs)<\/li>\n<\/ul>\n<p><a id=\"bottom-line\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Bottom line<\/h2>\n<p>The Amex Gold is among the most rewarding cards on the market. But to truly maximize the Amex Gold&#8217;s earnings, you&#8217;ll have to be selective about where you&#8217;re using it.<\/p>\n<p>Between the dining, Dunkin&#8217;, Resy and Uber statement credits, the card&#8217;s annual fee is fully covered, and you net positive value. Add in its bonus categories and you&#8217;ll be maximizing earnings like a pro in no time.<\/p>\n<p>To learn more, check out our <a href=\"https:\/\/thepointsguy.com\/credit-cards\/american-express\/amex-gold-card-review\/\" rel=\"noopener\" target=\"_blank\">full review of the Amex Gold<\/a>.<\/p>\n<hr class=\"jsx-3272990499\"\/>\n<p><strong>Apply here: <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/the-american-express-gold-card\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">American Express\u00ae Gold Card<\/a><\/span><\/strong><\/p>\n<hr class=\"jsx-3272990499\"\/>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/american-express\/best-amex-credit-card-combo-amex-gold-amex-business-platinum\/\" target=\"_blank\" rel=\"noopener\">This might be the best Amex card combo: Amex Gold and Amex Business Platinum<\/a><\/strong><\/p>\n<p><em>For rates and fees of the Amex Gold Card, please click <a href=\"https:\/\/thepointsguy.com\/apply\/american-express-gold-card-rates-fees\/?tid=post\" rel=\"noopener noreferrer\" target=\"_blank\">here<\/a>.<\/em><br \/><em>For rates and fees of the Amex Platinum, click <a href=\"https:\/\/thepointsguy.com\/apply\/the-platinum-card-from-american-express-rates-fees\/?tid=post&amp;c_anonymous_id=ac85af1d-f843-4c20-af0b-fd8a92349c31&amp;c_instance_id=b1923bfb-089e-4cb0-9fb1-2ede1091cf8f&amp;c_session_id=f8e4335b-0b82-4f1b-b268-1736623c8151&amp;c_tenant_id=8830ce36-13f9-40da-8176-b8cbf73a598c&amp;c_correlation_id=2faf10fb-0b22-48c6-9143-c3e4b0891b90&amp;c_initial_referer=https%253A%252F%252Fwww.google.com%252F&amp;c_landing_page_url=https%253A%252F%252Fthepointsguy.com%252Fguide%252Fwho-should-get-amex-gold-card%252F&amp;c_productId=220311039&amp;c_channel=220311039&amp;c_name=The%20Platinum%20Card%26%23174%3B%20from%20American%20Express%20%26%238211%3B%20Rates%20%26amp%3B%20Fees%20(220311039)&amp;c_issuer=American%20Express&amp;c_location=unknown&amp;c_positionId=2&amp;c_exitPageId=https%3A%2F%2Fthepointsguy.com%2Fguide%2Fmaximizing-amex-business-platinum%2F\" rel=\"noopener\" target=\"_blank\">here<\/a>.<\/em><br \/><em>For rates and fees of the Blue Business Plus Amex Card, click <a href=\"https:\/\/thepointsguy.com\/apply\/the-blue-business%e2%84%a0-plus-credit-card-from-american-express-rates-fees\/?tid=post\" rel=\"noopener\" target=\"_blank\">here<\/a>.<\/em><\/p>\n<\/div>\n<p><br \/>\n<br \/><a href=\"https:\/\/thepointsguy.com\/news\/when-you-should-use-amex-gold-card\/\" target=\"_blank\" rel=\"noopener\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>It&#8217;s no secret that we&#8217;re huge fans of the American Express\u00ae Gold Card at TPG. While the card was refreshed in late July, it&#8217;s still in a Goldilocks sweet spot between premium and beginner cards, with strong earnings on restaurant and U.S. supermarket purchases and over $400 in annual statement credits that can help offset [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":116004,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[],"class_list":{"0":"post-116003","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-travel"},"_links":{"self":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts\/116003","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/comments?post=116003"}],"version-history":[{"count":0,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts\/116003\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/media\/116004"}],"wp:attachment":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/media?parent=116003"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/categories?post=116003"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/tags?post=116003"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}