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American Express: Gold Card

Best for Travel

Intro offer

60,000 points

Annual Fee

$250.00

Recommended Credit

690-850Good Excellent
Apply Now

Best for Travel

American Express: Gold Card

Intro offer

60,000 points

Annual Fee

$250.00

Recommended Credit

690-850GoodExcellent
Apply Now
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  • 3X

    Travel

  • 4X

    Dining

  • 1X

    All other purchases

Why we choose it

It's a great deal, with 4 points per dollar on dining out and 1 point per dollar on grocery shopping in the United States (on the first $25,000 in expenditures per calendar year; subsequently 1 point per dollar). There's also a $120 annual eating credit at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations, as well as Uber Cash worth up to $120 ($10 per month.) This all makes it an excellent challenger for any food purchases, which has exploded as a significant area of spending. Certain advantages need to be enrolled.

Pros

  • No Foreign Transaction Fees
  • High Reward Earning Possibilities
  • Up to $120 in annual statement credits for eligible restaurants

Cons

  • Expensive Annual Fee
  • No lounge Benefits
  • High APR for pay over time feature