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As high as 100,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new card within the first 6 months of card membership. Apply and find out your offer. Welcome offers vary and you may not be eligible for an offer.
- Earn 2X points on other eligible purchases booked through Amex Travel
- Earn 1X points on other eligible purchases
- Up to $10 per month in Uber Cash for Uber and Uber Eats orders in the U.S. To receive this benefit, you must have downloaded the latest version of the Uber App, and your eligible American Express Gold Card must be a method of payment on your Uber account. The Amex Benefit may only be used in the United States.
- Up to $10 monthly in dining statement credits with select partners: Grubhub, The Cheesecake Factory, Buffalo Wild Wings, Five Guys, and Wonder.
- Up to $50 twice a year (January-June and July-December) in statement credits when you eat at a Resy restaurant and use your card to pay.
- Up to $7 per month on Dunkin' purchases
- $100 hotel experience credit when you book a two-night stay through The Hotel Collection
- Complimentary Hertz Five Star® status, offering car upgrades and 25% more points on rentals
- No foreign transaction fees
Terms apply. Enrollment is required for certain benefits. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
My thoughtsWe always have at least one of these cards open at all times. The fee is manageable, the credits are actually useful for everyday spending, and being able to earn 4x at restaurants worldwide and U.S. supermarkets is a huge win for our family. If you're a foodie or spend a lot on groceries each month like I do, this card earns points faster than almost anything else out there.
As high as 175,000 Membership Rewards® Points after you spend $12,000 in purchases on your new card within the first 6 months of card membership. Apply and find out your offer. Welcome offers vary and you may not be eligible for an offer.
- Up to $600 Hotel Credit – Split into two $300 statement credits, one every six months, for prepaid bookings at Fine Hotels + Resorts® or The Hotel Collection via Amex Travel. Minimum two-night stay required.
- Up to $400 Dining Credit via Resy – Up to $100 in statement credits per quarter for eligible dining spend.
- Up to $300 Lululemon Credit – Up to $75 in statement credits per quarter for eligible purchases.
- Up to $200 Oura Ring Statement Credit – Once per year on hardware purchases.
- Up to $300 Equinox Statement Credit – Per calendar year to use on Equinox gym and Equinox+ app memberships (subject to auto-renewal).
- Up to $300 at SoulCycle: Up to $300 in statement credits per calendar year toward the purchase of a SoulCycle bike (up to 15 bikes per calendar year), enrollment in Equinox+ membership required.
- Up to $300 Digital Entertainment Credit – Up to $25 per month. This covers popular services like Disney+, ESPN+, YouTube Premium, Paramount+, and more.
- Up to $209 in annual CLEAR®+ credits.
- Up to $200 in annual airline fee credits for incidental fees with your selected airline.
- Uber Benefits – Up to $15/month in Uber Cash (plus $20 in December) and a new Uber One membership credit (up to $120/year).
- Global Lounge Collection access including Centurion Lounges, Delta Sky Clubs when flying Delta, and Priority Pass.
- $120 statement credit for Global Entry once every four years, or up to $85 statement credit for TSA PreCheck® once every 4.5 years.
- Hotel Status – Complimentary Marriott Bonvoy Gold and Hilton Honors Gold.
- Rental Car Status – Complimentary Hertz Gold Plus Rewards President's Circle, Avis Preferred Plus and National Emerald Club Executive status.
- Trip Cancellation/Interruption Insurance, Trip Delay, Extended Warranty, and more.
- No foreign transaction fees.
Terms apply. Enrollment is required for certain benefits. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
My thoughtsThe annual fee is hefty, and Amex cards are sometimes called "coupon books" for all of the MANY credits. But, those credits can be worth thousands of dollars when you actually use them. My rule of thumb is simple: if you wouldn't normally spend money on those things, the credits don't really save you anything. But if you travel frequently, dine out at Resy restaurants, and want lounge access, this card can absolutely justify its fee, at least for the first year!
You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx (through 10/01/2026), Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
- Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Gold Card. *Subject to auto-renewal.
- Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace. Subscription purchases subject to auto-renewal.
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.
- The Hotel Collection benefits: With The Hotel Collection, receive elevated benefits when you book a minimum two-night stay through AmexTravel.com, including a $100 credit to use towards eligible charges, which may include food and beverage, spa, or other on-property charges, and room upgrade upon arrival, when available.
- No foreign transaction fees
Terms apply. Enrollment is required for certain benefits. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
My thoughtsWe always have at least one of these cards open at all times. The fee is manageable, it has decent credits, and the welcome offer earns a ton of points. The 4x on your top two spending categories adapts to how you actually spend, which makes it a really smart everyday card. If you have a side hustle or small business, this one belongs in your wallet.
You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
- Up to $600 Hotel Credit – Split into two $300 statement credits, one every six months, for prepaid bookings at Fine Hotels + Resorts® or The Hotel Collection via Amex Travel.
- Up to $150 in statement credits on U.S. purchases made directly at Dell and an additional $1,000 statement credit after spending $5,000 or more with Dell each calendar year.
- Up to $360 in statement credits per calendar year, up to $90 per quarter, on U.S. purchases made directly with Indeed.
- Up to $250 in statement credits after spending $600 or more on U.S. purchases made directly at Adobe each calendar year (subject to auto-renewal).
- Up to $200 per calendar year, up to $50 per quarter, in statement credits on eligible purchases made directly with a property in the Hilton portfolio.
- Up to $120 per calendar year, up to $10 per month, in statement credits for purchases made directly from any U.S. wireless telephone provider.
- Up to $200 per year in airline fee statement credits for incidentals with your selected airline.
- Up to $209 in statement credits per calendar year for CLEAR+.
- Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
- Global Lounge Collection access including Centurion Lounges, Delta Sky Clubs when flying Delta, and Priority Pass.
- $120 statement credit for Global Entry once every four years, or up to $85 statement credit for TSA PreCheck® once every 4.5 years.
- Hotel Status – Complimentary Marriott Bonvoy Gold and Hilton Honors Gold.
- Rental Car Status – Complimentary Hertz Gold Plus Rewards President's Circle, Avis Preferred Plus and National Emerald Club Executive status.
- Cell Phone Protection, Trip Cancellation/Interruption Insurance, Trip Delay, Extended Warranty, and more.
- No foreign transaction fees
Terms apply. Enrollment is required for certain benefits. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
My thoughtsThis is a card that truly pays for itself, but only if you actually use the credits. The welcome offer alone is massive, and the business-focused credits like Indeed, Adobe, and Dell can add up to thousands of dollars in value for the right person. If you regularly stay at luxury hotels and want lounge access, you can absolutely justify the fee, especially for the first year.
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 28.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- You've got the power to spend above your credit limit with Expanded Buying Power. The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- Pool points with other Amex cards to unlock transfer partners
- No annual fee
Terms apply. Enrollment is required for certain benefits. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
My thoughtsThis is one of those cards that doesn't get enough attention. The welcome offer isn't huge, but that's kind of the point — this is the card you open when you're between bigger offers and you still want your everyday spending going toward something valuable. We see solid approval rates on this one, and since it's a business card it doesn't count toward 5/24. Plus you can't beat the perk of having no annual fee. If you're already earning Amex Membership Rewards, this card just quietly stacks more points on top of everything else.
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Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.