If you’re looking for a new mid-range card with food and travel perks, you may want to consider applying for the Amex Gold Card. Unlike other American Express cards with high annual fees, the annual fee for Gold card members is $250 (see rates and fees). This makes the Amex Gold Card an excellent rewards card option for anyone who regularly spends money on food expenses and travel purchases.

The Amex Gold Card also has more benefits and offers better rewards when compared to the less-expensive Amex Green Card. If you care about how your card looks and feels, you’ll really appreciate that this is a sturdy metal card. It comes in both a gold and a rose gold card option. So you’ll be able to spend in style while earning plenty of rewards. Keep reading to learn more about the Amex Gold Card benefits.

Amex Gold Card benefits

The Amex Gold Card has no shortage of perks. If you tend to dine out at restaurants or get takeout regularly, or if you spend a lot of money on grocery expenses each month, this may be the right card for you. That’s because it offers high reward rates on grocery, restaurant, takeout, and delivery purchases. Check out some of the top Amex Gold Card benefits.

A hefty welcome offer

For starters, the Amex Gold Card offers a hefty welcome bonus offer of 60,000 bonus Membership Rewards points to new cardmembers. You will earn these bonus points after meeting the minimum spend requirements of $4,000 within the first six months of account opening. This welcome offer is comparable to other travel credit cards, some of which have higher annual fees.

The value of the 60,000 Membership Rewards points depends on how you choose to use them. If you redeem for flights through the American Express Travel portal, the value is $600. You can instead redeem your points for other travel needs through the portal for $420 in value. If you choose to redeem for statement credit, the welcome offer is also valued at $420.

Another option for Gold card members is to transfer your points to one of Amex’s many transfer partners. This way, you could get more than $600 in value out of your points. Terms apply.

Earn 4 points at restaurants

Another one of the excellent Amex Gold Card benefits is the ability to earn 4 points per $1 at restaurants worldwide. An eligible purchase can include takeout and delivery expenses charged to your card. When compared to other dining and restaurant credit cards, this is a significant rewards rate. Terms apply.

Earn 4 points at grocery stores

When you use this American Express card, you’ll earn 4 points per $1 spent at U.S.-based grocery stores. This is a good rate when compared to other grocery credit cards. Earnings for this spending category are capped at $25,000 per year. Terms apply.

Earn 1 point on all other purchases

With this Amex card, you’ll always earn rewards. That’s because the Amex Gold Card offers 1 point per $1 on all other purchases that you make. Don’t go spending what you can’t afford, because the Amex Gold Card functions differently than other credit cards. While this card offers Pay Over Time and Plan It payment options for some of your purchases, you’ll need to pay most credit card charges in full each month. Terms apply.

$120 annual dining credit

Amex Gold Card users also receive a $120 annual dining credit. You’ll earn $10 in statement credit each month, and you can use the credit at participating dining partners, which include GrubHub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, and Boxed. This is not an automatic perk, and you’ll need to enroll first. You can do this in your Amex account. Terms apply.

$10 per month in Uber credit

Another one of the Amex Gold Card benefits that you won’t want to miss out on is the monthly Uber cash credit. Each month, you’ll get access to $10 to redeem through the Uber or Uber Eats apps. This credit is loaded into your Uber account wallet at the beginning of each month. Be sure to use this credit because each month’s unused credits will expire. To use this perk and get your credits, you’ll need to add your Amex Gold Card to your Uber wallet. Terms apply.

Free ShopRunner subscription

As an Amex cardmember, you’ll also receive a complimentary membership to ShopRunner. This service provides you with free two-day shipping and free returns at select retailers. ShopRunner is currently available at 100+ stores. You must enroll to take advantage of this perk. Once you do, you’ll be able to use this service for free for as long as you remain an Amex cardmember. Terms apply.

Amex Gold Card travel benefits

The Amex Gold Card provides cardmembers with plenty of food and shopping perks, but that’s not all. With this card, you’ll also be able to take advantage of travel benefits. To utilize these perks, you’ll want to make sure that you charge your travel expenses to your Amex Gold Card. Here are some of the best Amex Gold Card travel benefits.

Earn 3 points per $1 on airline purchases

If you’re someone who does a lot of air travel, this perk will pay off. With the Amex Gold Card, you’ll earn 3 points per $1 on airline purchases made directly at AmexTravel.com and airline purchases made directly with airlines. When compared to airline credit cards, this is an excellent rewards rate. Terms apply.

Get $100 credit to The Hotel Collection

Another one of the notable Amex Gold Card travel benefits is $100 credit for activities at The Hotel Collection. To qualify for this perk, you must book two consecutive nights or more at a participating property. You must also make the booking through the American Express Travel portal, and you must charge your Amex Gold Card. The $100 credit will be applied to eligible charges.

Eligible activities vary by property, so be sure to check to see what qualifies. This card membership perk can make your next hotel or resort stay more memorable and enjoyable. Terms apply.

Rental car insurance

This American Express card also offers rental car insurance. Amex refers to this coverage as car rental loss and damage insurance. It’s secondary to any other insurance that you have, such as your car insurance policy — but this can provide an extra layer of security when you’re traveling and need to rent a car.

You’ll need to pay for the entire rental with your Amex Gold Card to use this benefit. You’ll also need to decline the collision damage waiver offered by the rental car company. When you do both of these things, you’ll be covered for damage or theft to a rental vehicle in a covered territory. The maximum coverage amount is $50,000. Be sure to review your card’s terms and conditions, as there are some exclusions to this coverage. Terms apply.

Baggage insurance

Another one of the Amex Gold card benefits that you won’t want to miss out on is baggage insurance. If your bags are lost, damaged, or stolen, you’ll be covered. The maximum coverage is as follows:

  • $1,250 for carry-on baggage
  • $500 for checked baggage

If you have any baggage issues while traveling, you can use your coverage to take care of replacement costs. You’ll need to pay the full fare of a common carrier vehicle ticket with your card to be able to use this perk. Common carrier vehicles include air, land, and water vehicles. Terms apply.

No foreign transaction fees

Taking this card with you when traveling abroad is no problem. That’s because there’s no foreign transaction fee charged when using your card to make purchases outside of the U.S. Foreign transaction fees are typically 3{d54a1665abf9e9c0a672e4d38f9dfbddcef0b06673b320158dd31c640423e2e5}, which can add up, so this is a big deal. Terms apply.

Access to the global assist hotline

Amex Gold Card users will also have access to the Global Assist Hotline. This resource provides 24/7 medical, legal, financial, and other emergency assistance and support. If you’re traveling more than 100 miles from home, you’ll be able to use this service. Cardmembers can call 1-800-333-AMEX to get help. While this resource is available to you, it’s important to note that you will be responsible for any third-party costs.

The Amex Gold Card benefits are plentiful. As you begin to consider the best credit cards out there, don’t rule out the Amex Gold Card. This card has an affordable annual fee and offers impressive perks. This includes impressive rewards for food purchases, air travel purchases, and also some nice travel and food credits. Terms apply.