
The American Express Gold Card allows you to earn membership reward points quickly with the multiplier towards eligible charges.
The card gives a great payment option with benefits like Pay Overtime and Plan it which was added to the card last year and spending power with no pre-set spending limit.
In case you do not like the Gold color, you can choose the Rose Gold card as well which is available as an alternate to the American Express Gold card.
Planning to go out on a dinner date, a frequent traveler, or prefer using the card on everyday spend this card gives you all their amazing reward structure which makes this card find a place in your wallet where ever you leave your home.
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American Express Gold Card Welcome bonus offer

The current welcome bonus offer is to get 75,000 MR points after spending $4000 on your card within 6 months from the Card approval date.
Additionally, you get a 0% introductory APR for 12 months from the account opening date on Pay overtime charges. You can click here to submit the application.
Annual Membership Fee

$250 is the annual membership fee for the Primary card and up to 5 additional card is absolutely free of cost.
$120 Uber Cash Benefit

You are eligible to get $10 monthly in Uber Cash every month for both Uber rides and Uber Eats orders. That’s up to $120 in annual savings.
To ensure you do not miss the credit, you must download the Uber app and add the Gold card as your primary payment method.
Each month the $10 credit appears on the 1st of the month. Uber also sends you a notification once the credit is added to the account. Any unused credit is not carried forward and gets forfeited.
Uber also sends you timely remember in mid of month if you do not use the credit by that time to ensure you do not miss the credit which is a major benefit to avail for keeping this card.
$100 Airline credit (No longer available on new card)
The $100 Airline fee credit which was a major hit on this card is now no longer available for new cardmembers after American Express added the Uber credit and discontinued this benefit.
However, all the members who have or had the card before 4th Feb and can still use this benefit till 31st December.
$120 Dining Credit

This benefit needs enrollment. You can enroll in this and can receive a $10 monthly credit when you use the American Express Gold card at dining partners.
The Dining Partners are
- Boxed
- GrubHub and Seamless
- Shake Shack location
- The Cheesecake Factory and
- Ruth’s Chris Steak House.
This benefit gives you bonus points as well. Even though you get the credit back towards the charge, you still earn the bonus points as these partners are dining Partners who are eligible for 4x points on every $1 spent.
American Express Gold Card Pay Over Time Feature

This new feature on Gold card gives you the freedom to spend more without worrying about big payments coming month.
You can make the big purchases above $100 or more and can move them next month and can pay the minimum due and not the full balance.
Pay Over Time gives you more options when you have any large purchases coming your way. You can make the partial payment instead of paying the balance in full by your due date.
Also, you will still be getting the reward points even if you move the charges in Pay over time.
American Express Gold Card Plan it

Plan It is a feature that gives you the flexibility to pay the charges in installments. You can select up to 10 purchases of $100 or more and can add them into a plan it using your online account.
If you do not have multiple charges to move in plan it, you can select one charge and can plan that as well.
If you agree to use Plan it, you will not be charged with interest unlike using Pay overtime and can select a payment term up to 24 months and will get the fee details upfront.
You will still be earning rewards on your Card for Plan It purchase amounts just like any other charges.
Membership rewards

- For each $1 spend on this card, you get 4x points at U.S supermarkets for $25000 spend and 1x on charges after that.
- You also get 4x points for every $1 spend at Restaurants worlds and it includes take-out as well.
- You earn 3x reward points on travel charges, be it with Airline directly or at the Amex travel website directly.
- 1x is the reward structure for all the other purchases on the card.
- You get the option to use the reward points for travel booking, Gift cards and can use points to pay eligible charges on card as well.
Free Uber Eats Pass

American Express is currently offering Free Uber eats pass using which you can get up to 12 complimentary months of Uber Eats Pass with your Gold Card on the U.S. Subscription.
The benefit requires enrollment.
Once enrolled, you are entitled to get Unlimited $0 delivery fees & 5% off restaurant when ordering for $15 or more with Uber.
Conclusion
Paying a $250 annual fee for the everyday spend card is not something we look up to, but the additional benefits like 4x spending at dining and Grocery may tempt you if you prefer stacking reward points on your reward account.
The additional $240 annual statement credit with Uber and dining is worth paying the fee on this card.
The welcome bonus is also one of the prime factors we can keep into consideration as the value of points would be around $450 when you choose to pay the charges on your card with reward points.
So it certainly is a win-win situation if you consider applying for a new credit card.
Looking to apply for Amex High Yield Savings account, please review our blog on that post here.