American Express Gold Card Reviews

Most customers who eat out and buy groceries a lot are happy with the 4x earning and points value. The annual fee is the main sticking point, and the dining and delivery credits (Dunkin, Grubhub, Resy) are easy for city dwellers but awkward elsewhere. Some cancel or keep it only after retention offers.

Of the 107 reviews with a clear verdict, 56% are positive, 18% mixed and 26% negative. The praise mentioned most is great rewards. The most common complaint is hard to redeem.

The praise reviewers mention most: great rewards (28 reviews), great travel perks (3 reviews) and easy to use (1 review). For example: Living in a city, they use many of the Amex Gold's credits; the Resy and Uber credits are fantastic for them.

The complaints reviewers mention most: hard to redeem (3 reviews) and poor support (1 review). For example: Cancelled the Amex Gold because its dining-credit partners weren't good, and switched to a no-fee 3x dining card.

It's how well reviewed American Express Gold Card is, out of 100. Negative and mixed reviews take points off, and so does having only a few reviews: a product needs plenty of them, compared with the most-reviewed products here, to reach the high 80s and 90s. It's worked out from reviews only, needs at least 5 of them, and updates as new ones come in.

Category: Travel rewards card. Type: Travel rewards charge card. Fees: $325 annual fee. Rates & rewards: 4x points at restaurants worldwide (up to $50K a year) and at U.S. supermarkets (up to $25K a year).

#3 in Best-Reviewed Travel Credit Cards 2026, ranked by real customer reviews.

107 are quotes from Reddit, each linked to the original. Customer reviews are checked for spam before they appear. Every review, written here or quoted, is read as positive, mixed or negative.