American Express Gold Card
$325
Annual fee
$424
Credits a year
4
Credits tracked
$325 a year. 4 credits worth $424. If you use them all, that is $99 more than the fee.
Machine-checked · current as of 23 Sep 2026, 17:10 UTC from americanexpress.com · reading: high
| Credit | Amount | Resets | Per year |
|---|---|---|---|
| Uber Cashsign up first | $10 | every monthon the calendar year | $120 |
| Dining creditsign up first | $10 | every monthon the calendar year | $120 |
| Resy Creditsign up first | $50 | twice a yearon the calendar year | $100 |
| Dunkin' Creditsign up first | $7 | every monthon the calendar year | $84 |
Other perks
| Perk | Details |
|---|---|
| $100 Hotel Collection credit | Two-night minimum through the issuer travel portal. |
| Extended Warranty | Adds up to one extra year to the original manufacturer's warranty of 5 years or less (up to $10,000 per item / $50,000 per calendar year). |
| Hertz Five Star Statussign up first | Complimentary Hertz Five Star Status (enrollment and Hertz Gold+ registration required). |
| Car Rental Loss and Damage Insurance | Secondary coverage for damage to or theft of a rental vehicle when the entire rental is paid with the Card and CDW is declined. Not available in Australia, Italy, and New Zealand. |
| Trip Delay Insurance | Reimburses certain additional expenses up to $300 per trip (max 2 claims per 12 months) when a covered round-trip paid entirely with the Card is delayed more than 12 hours. |
| Baggage Insurance Plan | Coverage for lost, damaged, or stolen baggage when the entire Common Carrier fare is purchased on an eligible Card (up to $1,250 carry-on / $500 checked, subject to limits). |
| No Foreign Transaction Fees | No foreign transaction fees from American Express on purchases abroad. |
| Purchase Protection | Protects covered purchases for up to 90 days against theft, accidental damage, or loss (up to $10,000 per purchase / $50,000 per calendar year). |
Track these instead of remembering them
Unspent counts down every credit on this card and tells you before one resets. Free, no bank connection, and no card number — a nickname and your renewal date is the whole form.
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