Credit Cards 101
American Express Gold
Earnings
4x Points on Dining Worldwide
4x Points on U.S. Supermarkets, up to $25,000
3x Points on Flights booked either Direct with Airlines or through Amex Travel
1X On Everything Else
Benefits
- American Express transfer partners
-American Express Offers
- No Foreign Transaction Fees
-Access to the Hotel Collection
-Secondary Car Rental Insurance when you waive the Insurance at the Counter
- Return Protection up to 90 Days for Returns, Theft, or Damage
Credits
$10 per Month Uber Cash
$10 Per Month Dining Credit for ShakeShack, Grubhub, Cheesecake Factory, Goldbelly, Wine.com, orMilk Bar
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$100 per Year Experience Credit when you book at least 1 night through the Hotel Collection
Final Verdict
This card has got a lot packed into it, from credits to benefits to elevated earnings. It is in my opinion, one of the best cards on the market. It gets you transfer partners which can allow you to get even more value for your points. American Express is also one of the best credit card companies that I've had. The customer service is great and the app and website are very well designed. The apply with confidence tool allows you to not take a hit to your credit unless you get approved and accept the card.
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However, one of the biggest drawbacks is the annual fee, sitting at a hefty $250. The upside is that they give you $240 worth of credits that you can realistically use every year, bringing the effective annual fee to just a measly $10. For that, you get a card with a ton of benefits and high earnings as food is one of the highest costs in most people's lives.
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Overall, this card is a must have. A high welcome offer and great earnings are the recipe for a great card. However, if you cannot utilize the credits to offset the annual fee, this card will not be as valuable to you. This card is still one of the best out there and if you buy food, you should get this card.