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Amex Gold: as high as 100,000 points after $8,000 in 6 months, $325 fee

What the bonus is worth: About $1,000 in gift cards or flights through Amex Travel; often 1.5–2¢ each via transfer partners.

Offer is personalized: Amex shows your exact amount after you apply (no credit score impact until you accept).

Our take

The grocery-and-dining card. If your household spends $1,000+ a month on food, 4x points pays for the $325 fee before you count any credits. 100k is the top of the published range; check your personalized offer before you accept, since Amex sometimes shows a lower number.

Who it's for

Households that spend $800+ a month on groceries and restaurants. The 4x categories alone cover the fee; the credits are a bonus.

Rates & fees at a glance

Welcome bonus	As high as 100,000 points
Spend requirement	$8,000 in the first 6 months
Annual fee	$325 (Offer is personalized: Amex shows your exact amount after you apply (no credit score impact until you accept))
APR	19.74%–28.74% variable APR on Pay Over Time balances (charge card — pay in full by default)
Earns	Membership Rewards points
Network	Amex
Checked	Oct 8, 2026 on American Express's site

How to stack it

• Time the application with a big planned expense (insurance, tuition, a trip) so the spend requirement is money you'd spend anyway.
• Shop through a cashback portal and the card's own offers (Chase Offers, Amex Offers, Capital One Offers) while meeting the spend — the bonus stacks on top of normal earning.
• Set a calendar reminder for the end of the spend window and another before the first annual fee posts.

Verified: American Express Gold Card page, Oct 8, 2026: “As high as 100,000 Membership Rewards points after you spend $8,000 in purchases on your new Card within the first 6 months.” Annual fee $325. Source: americanexpress.com. Offers change; the issuer's page is final.

Advertiser & referral disclosure: StackTheDeal may receive a referral bonus or commission when you apply for a card or open an account through links on this page. That never changes which offers we post or what we say about them. Offer terms are as shown on the issuer's own page on the date checked; the issuer's page is final, and offers can change or end without notice. We are not a bank or lender and do not make credit decisions. How we make money.

Common questions

Is the 100,000 offer guaranteed?

No. It's Amex's 'as high as' offer, so your application may show 60,000 or 75,000 instead. If a higher number shows on Amex's page or through the 'Apply with confidence' check, that's the one you'll get.

Answered by StackTheDeal

Does the Gold count against Chase's 5/24?

Yes. Every new credit card account from any bank counts toward Chase's 5/24 rule, so if you're planning a Chase card soon, get that first.

Answered by StackTheDeal

What's the dining and grocery cap?

4x at restaurants is capped at $50,000 a year, and 4x at U.S. supermarkets at $25,000 a year, then 1x. Most households never hit either.

Answered by StackTheDeal

How long until the points post?

Usually within 8 to 12 weeks after you complete the $8,000 in 6 months, often sooner.

Answered by StackTheDeal

Can I get this if I've had the Platinum?

Yes. Amex's once-per-lifetime rule is per card product; holding or having had the Platinum doesn't block a Gold bonus. Having had the Gold itself does.

Answered by StackTheDeal

Are the Uber and dining credits automatic?

You have to enroll in your Amex account first. The monthly Uber Cash and dining credits then apply automatically, and unused months don't roll over. The $325 fee is mostly offset if you use them every month.

Answered by StackTheDeal

Apply on American Express's site 👉

Questions about this offer?

💬 Ask us and we'll check it for you: message us on WhatsApp or email stackthedeal@gmail.com. Found it cheaper? Tell us and we'll update the post.