American Express Gold
4x on dining and U.S. groceries
4.8
Editor rating · out of 5
Best for: Foodies who travel
After credits the effective fee is ~$0 if you actually use Uber, Resy, Grubhub, and Dunkin monthly. 4x dining is unmatched.
Pros and cons
Pros
- +4x dining is best-in-class for a points card
- +$120 dining credit (Grubhub, Resy, etc.) + $120 Uber credit + $84 Dunkin credit
- +Transfer to 20+ partners
- +Hotel collection benefits
Cons
- −Credits are quarterly/monthly chunks (annoying to capture)
- −No lounge access
Key details
Annual fee
$325
Foreign transaction fee
0%
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