Cards · Amex
Gold Card
The dining and groceries card. 4× at restaurants and U.S. supermarkets carries the fee.
Track this card in Cardful. Free, nothing to link.
Where it earns
The multipliers.
Paid in Membership Rewards, about 2.0¢ a point at RRV. Cardful ranks this card against the rest of your wallet for every purchase, using these rates and an honest point value.
Statement credits
$424 a year, if you use all of it.
Each credit runs on its own reset schedule, and each name opens the full breakdown of how it resets and where it is most often wasted. Cardful remembers partial use and reminds you before a window closes.
The honest read
Worth it, or not.
Worth it if
- 4× at restaurants and U.S. supermarkets, 3× on flights.
- Uber Cash, the dining credit and the Resy credit together cover most of the fee.
- Membership Rewards transfer to Delta, ANA, Air France and more.
Think twice if
- The fee rose to $325 in 2024.
- The credits are monthly: twelve chances a year to forget each one.
- 1× everywhere else.
The fee
Is the fee worth it?
On paper the credits are worth $424 a year against a $325 fee. The honest question is which of them you will genuinely use. How the verdict works →
Gold Card · $325 fee
Every credit used in full, no points counted
Almost nobody uses every credit in every window. Cardful tracks what you actually claim and gives the keep, downgrade or cancel verdict on your real renewal date.
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Terms last verified against the issuer’s published page on . Card terms change without notice — always confirm on the issuer’s site before applying.
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