Amex Gold cashback rate, cap and annual fee
Amex Gold pays 3% at prepaid hotels via Amex Travel, 2.4% on dining, 2.4% at U.S. supermarkets and 0.6% on everything else. The card costs USD 325 a year.
American Express · United States · catalogue v101
Read from American Express's own published terms on 23 Sep 2026.
USD 325Annual fee
3%Best rate
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| prepaid hotels via Amex Traveltravel | 3.00% | —Prepaid hotels booked through American Express Travel. |
| dining | 2.40% | USD 300reached at USD 12,500 of spendRestaurants worldwide, on up to $50,000 a calendar year, then 1x. |
| U.S. supermarketsgroceries | 2.40% | USD 150reached at USD 6,200 of spendU.S. supermarkets, on up to $25,000 a calendar year, then 1x. Excludes wholesale clubs and superstores. |
| everything else | 0.60% | —Everything else. |
American Express's own card page, read 23 Sep 2026. Both headline 4x rates are capped and the caps are annual, not monthly: $50,000 a calendar year at restaurants and $25,000 at U.S. supermarkets, after which each drops to 1x for the rest of the year. Those ceilings are the whole character of the card and are recorded here as published. "U.S. supermarkets" is Amex's own wording and excludes wholesale clubs and superstores in its terms, so groceries bought at Costco or Walmart earn 1x.
Questions people ask
What cashback does the Amex Gold pay?
3% at prepaid hotels via Amex Travel, 2.4% on dining, 2.4% at U.S. supermarkets and 0.6% on everything else.
Is there a cap on the Amex Gold?
Yes. dining is capped at USD 300 a month; u.s. supermarkets is capped at USD 150 a month.
What is the annual fee on the Amex Gold?
USD 325 a year.
Knowing the rate is not the same as remembering it
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