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American Express® Gold Card
The go-to card for foodies, offering 4X points on dining and US supermarkets plus valuable monthly credits.
This credit card includes airport lounge access through participating lounge programs. Access eligibility, guest policies, and lounge availability vary by airport and may change over time. Credit card lounge access is not guaranteed and may be subject to capacity limits or restrictions. Learn how credit cards provide lounge access. In summary, lounge access depends on your card, the lounge network, and the specific airport. Learn more about airport lounges.
Last reviewed: . Card information is reviewed against the issuer's official benefit pages periodically; verify all terms on the issuer's site before applying.
The Good
- Welcome Bonus: 60,000-100,000 Points (Spend $6k in 6 months)
- 4X Points at Restaurants Worldwide ($50k cap)
- 4X Points at U.S. Supermarkets ($25k cap)
- Over $400 in annual credits (Uber, Dining, Resy, Dunkin')
- 3X Points on Flights
The Bad
- Annual Fee $325
- Credits are monthly/semi-annual (Use it or lose it)
- No Lounge Access
Lounge Access
0 lounge networks included
Guest Policy
Cardholder only
Purchase APR
See Pay Over Time APR
Credit Score
Good/Excellent
Is the annual fee worth it for you?
Set how often you would use a lounge and what one visit is worth to you. We compare that against this card's real $325 annual fee. This counts lounge value only, not credits, points, or other perks.
Starting point is a typical day-pass or guest fee. Adjust to match the airports you use.
- Estimated lounge value
- $400/yr
- Annual fee
- $325/yr
- Net for your usage
- +$75
At $50 per visit, you cover the fee at about 7 visits per year.
Estimate only, not financial advice. It uses values you enter and excludes statement credits, points, taxes, and guest fees. Lounge access and day-pass prices change; verify with the issuer and lounge before you rely on these numbers.
Limited Time Offer
Up to 100,000 Membership Rewards® Points
Offer Terms & Eligibility:
Spend $6,000 in first 6 months. Offer varies.Lounge Networks
0 IncludedAdditional Travel Perks
Lounges American Express® Gold Card Opens
No airport lounge access is included with this card based on the lounge networks AirportLounge.com tracks. That doesn't necessarily mean the card has zero lounge benefit — issuers occasionally bundle limited or one-time-use passes that aren't a tracked network. Always confirm the current benefit on the issuer's site before applying.
For lounge access, browse all cards with tracked lounge networks or compare against a card you're considering on Compare.
Popular Airports With Lounges
lounges are available at hundreds of airports worldwide