BillSaver card review

American Express® Gold Card

Food-focused points. Compare the cost, rewards, promotional APR, and credit profile before you apply.

American Express® Gold Card card art
BillSaver fitFood-focused points

Good to excellent credit is listed by the issuer as a general guide, not a promise of approval.

Annual fee
$325
Rewards
4X Membership Rewards points at restaurants worldwide, up to $50,000 per calendar year; 4X at U.S. supermarkets, up to $25,000 per calendar year; plus 5X on eligible prepaid flights and hotels through American Express Travel.
Welcome offer
Offer varies by applicant.
Intro APR
Pay Over Time APR may apply.
Regular APR
See Pay Over Time APR.
Balance transfer fee
Not a balance-transfer-first card.
Foreign transaction fee
$0
Credit profile
Good to excellent

BillSaver's view

A useful points card for households whose biggest flexible spending is food.

Where this card can miss

Annual credits have rules, and casual users may prefer no-fee cash back.

How to compare it

Use the reason you are shopping as the test. If you pay in full, estimate the rewards you would actually earn and subtract the annual fee. If you are moving debt, compare the transfer fee and payoff window with the regular APR waiting after the promotion. If you are building credit, put cost, reporting, deposit rules, and payment habits ahead of a flashy bonus.

The figures above are a comparison summary, not an application decision. Read the current issuer disclosure before applying because the offer, APR, fees, rewards, and eligibility rules may change.