Amex Gold
| Category | Rate |
|---|---|
| Travel Portal - Hotels | 5x |
| Dining | 4x |
| Travel - Flights | 3x |
| Everything else | 1x |
Transfer partners: Amex Membership Rewards
| Category | Bonus Rate | Annual Cap |
|---|---|---|
| Groceries - In-Store | 4x | $25,000/yr |
| Groceries - Online | 4x | $25,000/yr |
| Dining | 4x | $50,000/yr |
After reaching the annual cap, spending in that category earns at the lower “after cap” rate. The optimizer automatically handles cap overflows.
Sticker Fee
$325/yr
Credits
-$180
Effective Fee
$145
Max: $120/yr ($10/mo) · monthly
Must use by month-end. $20 credit in December instead of $10. Works for Uber Eats too.
Max: $120/yr ($10/mo) · monthly
$10/month at select partner restaurants only (Grubhub, Five Guys, The Cheesecake Factory, Wonder, and others). Monthly, no rollover.
Max: $100/yr · semiannual
$50 semiannually ($100/yr) at U.S. Resy restaurants. Enrollment required.
Max: $84/yr ($7/mo) · monthly
Dunkin' only. $7/month. No rollover. Must use the Amex offer.
Card terms verified Jul 11, 2026 against official issuer sources.
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Next step
One card is a start. The optimal setup is the whole wallet.
The Amex Gold might be great on its own, but the best combination depends on your total spending. The optimizer evaluates every possible pairing to find the mathematically proven best setup.
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