{"id":316,"date":"2021-10-04T12:00:00","date_gmt":"2021-10-04T12:00:00","guid":{"rendered":"https:\/\/moneywithkatie.com\/my-6th-credit-card-the-american-express-gold-card\/"},"modified":"2025-09-05T16:54:44","modified_gmt":"2025-09-05T16:54:44","slug":"my-6th-credit-card-the-american-express-gold-card","status":"publish","type":"post","link":"https:\/\/moneywithkatie.com\/my-6th-credit-card-the-american-express-gold-card\/","title":{"rendered":"My 6th Credit Card: The American Express Gold Card"},"content":{"rendered":"<div class=\"sqs-html-content\" data-sqsp-text-block-content>\n<p class=\"\" style=\"white-space:pre-wrap;\"><strong><em>Disclosure<\/em><\/strong>: <em>This content is <\/em><strong><em>not <\/em><\/strong><em>sponsored or endorsed by any of the card brands described here and is accurate as of the posting date, but some of the offers mentioned may have expired. Money with Katie is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as MileValue.com. This compensation may impact how and where links appear on my site, and this site does not include all financial companies or all available financial offers.<\/em><\/p>\n<\/div>\n<hr \/>\n<div class=\"sqs-html-content\" data-sqsp-text-block-content>\n<p class=\"\" style=\"white-space:pre-wrap;\">All right, I have a confession to make: The primary reason I was drawn to this card is because it\u2019s pink.<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">I know, I know \u2013&nbsp;beneath all my math and rationale is still a woman on whom corny marketing tactics very much work. <\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">I mean, just look at this baby:<\/p>\n<\/div>\n<p>      <img decoding=\"async\" src=\"https:\/\/moneywithkatie.com\/wp-content\/uploads\/2021\/10\/amex_gold_card_rose_gold.webp\" alt=\"\"\/><\/p>\n<div class=\"sqs-html-content\" data-sqsp-text-block-content>\n<p class=\"\" style=\"white-space:pre-wrap;\">So yeah \u2013&nbsp;<em>maybe <\/em>I was attracted for the wrong reasons, but rest assured that ultimately, I found my footing. <\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">As a refresher, my current portfolio is as listed:<\/p>\n<ol data-rte-list=\"default\">\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">Discover It card (my first credit card acquired in 2016; I keep it to boost my credit age but don\u2019t use it)<\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\"><a href=\"https:\/\/milevalue.com\/creditcards\/chase-sapphire-preferred\/?aff=mwk\" target=\"_blank\">Chase Sapphire Preferred<\/a> (my first travel rewards card and <em>definitely<\/em> top recommendation for anyone dipping their toe in the water of travel rewards; it\u2019s at 60,000 points right now and I do most of my spending on this card)<\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\"><a href=\"https:\/\/milevalue.com\/creditcards\/the-platinum-card\/?aff=mwk\" target=\"_blank\">The Platinum Card\u00ae from American Express<\/a> (the high-value, high-annual fee card that gets me loads of perks that I outline <a href=\"https:\/\/www.moneywithkatie.com\/blog\/american-express-platinums-new-annual-fee-of-695-worth-it\" target=\"_blank\">here<\/a>)<\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\"><a href=\"https:\/\/milevalue.com\/creditcards\/southwest-rapid-rewards-priority\/?aff=mwk\" target=\"_blank\">Southwest Rapid Rewards Priority<\/a> (the airline card that I nabbed to both get Companion Pass and ensure I wouldn\u2019t be paying for flights for a while)<\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\"><a href=\"https:\/\/milevalue.com\/creditcards\/marriott-bonvoy-boundless\/?aff=mwk\" target=\"_blank\">Marriott Bonvoy Boundless<\/a> (the hotel card that enables me to stay for free at Marriott properties)<\/p>\n<\/li>\n<\/ol>\n<p class=\"\" style=\"white-space:pre-wrap;\">And as <em>another<\/em> refresher, right now, I don\u2019t put hardly <em>any<\/em> spend on the airline or hotel card (#4 and #5) \u2013 I primarily use my Sapphire Preferred and Platinum cards, as those are the two with point programs I value most.<\/p>\n<h2 style=\"white-space:pre-wrap;\">Where the American Express Gold card came in<\/h2>\n<p class=\"\" style=\"white-space:pre-wrap;\">As I looked back at my top spend categories over the course of the year, I realized that there were a few main ones:<\/p>\n<ul data-rte-list=\"default\">\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">Housing (primarily paid for through my checking account, though I can now pay rent via Venmo)<\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">Miscellaneous (read: Amazon) \u2013 goes on Sapphire Preferred<\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">Travel (self-explanatory) \u2013&nbsp;goes on Platinum<\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">Food \u2013&nbsp;used to go on whatever card I had handy, usually Preferred<\/p>\n<\/li>\n<\/ul>\n<p class=\"\" style=\"white-space:pre-wrap;\">And while my strategy was formerly paying for everything with my Sapphire card to rack up as many Ultimate Rewards points as possible, groceries aren\u2019t a \u201cspecial\u201d category for Sapphire Preferred \u2013 which means I typically earned 1 point per dollar on my grocery spend. <\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">I figured I could do better.<\/p>\n<h3 style=\"white-space:pre-wrap;\">The search for a card that had great food perks<\/h3>\n<p class=\"\" style=\"white-space:pre-wrap;\">While the <a href=\"https:\/\/milevalue.com\/creditcards\/american-express-blue-cash-preferred\/?aff=mwk\" target=\"_blank\">Blue Cash Preferred\u00ae Card from American Express<\/a> was the first card I looked at (as it has notoriously good grocery earning potential at a whopping 6% cash back), I noticed the Gold card included restaurants, too, whereas the \u201cfood\u201d category for the Blue Cash Preferred Card was specific to supermarkets.<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">(So at this point, it\u2019s good to know whether or not you (a) would prefer points or cash back, and (b) whether or not you\u2019re also spending at restaurants. The Blue Cash Preferred waives the $95 annual fee for the first year, too, so if you\u2019re a cash back lover who doesn\u2019t travel or dine out much, Blue Cash Preferred may be the move.)<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">But the allure of the rose gold card was strong, and when I saw the benefits, I decided it was worth it: <\/p>\n<ul data-rte-list=\"default\">\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">4x points on supermarkets and restaurants, including Uber Eats and takeout<\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">Up to $120 Uber Cash (similarly to Platinum, add your Gold Card to your Uber account and each month get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., up to $120 per year \u2013 enrollment required)<\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">Up to $100 hotel credit to spend on qualified expenses when you book through American Express Travel<\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">$250 annual fee<\/p>\n<\/li>\n<\/ul>\n<h2 style=\"white-space:pre-wrap;\">Calculating the value of my grocery and restaurant spend<\/h2>\n<p class=\"\" style=\"white-space:pre-wrap;\">If I buy the groceries and pick up the tab for my family (read: Thomas and me), it\u2019s about $1,000 per month total: $600 on groceries and $400 on restaurants in a busy month. <\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">$1,000 per month x 12 months in a year = $12,000 spent on the two of us, at 4x points per dollar = 48,000 points per year<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">American Express points are worth about 1 cent per point, which makes 48,000 points worth about $480, depending on how I redeem them. <\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">Add the $120 of Uber Cash and $100 hotel credit (again, only really applicable if you travel) and I calculated the final estimate recurring value to be:<\/p>\n<h3 style=\"white-space:pre-wrap;\">$700<\/h3>\n<p class=\"\" style=\"white-space:pre-wrap;\">Subtract the annual fee ($250) for net value, and you get $450. <\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">The welcome bonus when I signed up was 60,000 points, so call it another $600 in value in year one. <\/p>\n<h2 style=\"white-space:pre-wrap;\">Making the determination<\/h2>\n<p class=\"\" style=\"white-space:pre-wrap;\">You can take your grocery and restaurant spend and do the same calculation to figure out how many points your spending would generate to see if it would be worth it. If you haven\u2019t yet nabbed the Sapphire Preferred card yet, I wouldn\u2019t get the Gold card \u2013 but if you\u2019re ready to level up a little bit, the Gold card can be a great way to earn more points on a category all humans have to spend in: food.<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">And hey, did I mention it\u2019s pink?<\/p>\n<h2 style=\"white-space:pre-wrap;\"><a href=\"https:\/\/milevalue.com\/creditcards\/american-express-gold-card\/?aff=mwk\" target=\"_blank\">Check out the Gold Card<\/a><\/h2>\n<\/div>\n<hr \/>\n<div class=\"sqs-html-content\" data-sqsp-text-block-content>\n<h2 style=\"white-space:pre-wrap;\">You may also like\u2026<\/h2>\n<\/div>\n<div class=\"\n  summary-block-wrapper\n\n  summary-block-collection-type-blog-masonry\n\n  summary-block-setting-text-size-medium\n  summary-block-setting-text-align-left\n\n  summary-block-setting-design-list\n  summary-block-setting-design-list-thumbnail-left\n\n  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\n          \n          summary-item-has-cats\n          \n          summary-item-has-author\n          \n          \"\n          ><\/p>\n<div class=\"summary-thumbnail-outer-container\">\n      <a\n        \n          \n            href=\"\/blog\/how-to-use-travel-rewards-without-making-it-your-whole-personality\"\n          \n        \n        class=\"\n          summary-thumbnail-container\n          sqs-gallery-image-container\n          \n        \"\n        data-title=\"How to Use Travel Rewards Without Making It Your Whole Personality\"\n        data-description=\"\"\n      ><\/p>\n<div class=\"summary-thumbnail img-wrapper\" data-animation-role=\"image\">\n<p>      <!-- Main Image --><br \/>\n      <img decoding=\"async\" src=\"https:\/\/moneywithkatie.com\/wp-content\/uploads\/2021\/10\/mblog-1.webp\" data-image=\"https:\/\/moneywithkatie.com\/wp-content\/uploads\/2021\/10\/mblog-1.webp\" data-image-dimensions=\"3000x1860\" data-image-focal-point=\"0.5,0.5\" alt=\"How to Use Travel Rewards Without Making It Your Whole Personality\"  data-load=\"false\" class=\"summary-thumbnail-image\" elementtiming=\"summary-thumbnail-image-list\" \/><\/p><\/div>\n<p>  <\/a><\/p>\n<p>    <!-- Products: Quick View --><\/p><\/div>\n<div class=\"summary-content sqs-gallery-meta-container\" data-animation-role=\"content\">\n<div class=\"summary-metadata-container summary-metadata-container--above-title\">\n<div class=\"summary-metadata summary-metadata--primary\">\n<p>\t<!-- Categories --><br \/>\n\t<span class=\"summary-metadata-item summary-metadata-item--cats\"><a href=\"\/blog?category=credit+cards\">credit cards<\/a>, <a href=\"\/blog?category=Chase+Ultimate+Rewards\">Chase Ultimate Rewards<\/a><\/span><\/p>\n<\/div>\n<div class=\"summary-metadata summary-metadata--secondary\">\n<\/div><\/div>\n<div class=\"summary-title\">\n                <a\n                \n                  \n                    href=\"\/blog\/how-to-use-travel-rewards-without-making-it-your-whole-personality\"\n                  \n                \n                class=\"summary-title-link\">How to Use Travel Rewards Without Making It Your Whole Personality<\/a><\/div>\n<div class=\"summary-metadata-container summary-metadata-container--below-title\">\n<div class=\"summary-metadata summary-metadata--primary\">\n<p>\t<!-- Categories --><br \/>\n\t<span class=\"summary-metadata-item summary-metadata-item--cats\"><a href=\"\/blog?category=credit+cards\">credit cards<\/a>, <a href=\"\/blog?category=Chase+Ultimate+Rewards\">Chase Ultimate Rewards<\/a><\/span><\/p>\n<\/div>\n<div class=\"summary-metadata summary-metadata--secondary\">\n<\/div><\/div>\n<div class=\"summary-metadata-container summary-metadata-container--below-content\">\n<div class=\"summary-metadata summary-metadata--primary\">\n<p>\t<!-- Categories --><br \/>\n\t<span class=\"summary-metadata-item summary-metadata-item--cats\"><a href=\"\/blog?category=credit+cards\">credit cards<\/a>, <a href=\"\/blog?category=Chase+Ultimate+Rewards\">Chase Ultimate Rewards<\/a><\/span><\/p>\n<\/div>\n<div class=\"summary-metadata summary-metadata--secondary\">\n<\/div><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"\n          summary-item\n          summary-item-record-type-text\n          sqs-gallery-design-list-slide\n          \n          \n            summary-item-has-thumbnail\n          \n          \n          summary-item-has-cats\n          \n          summary-item-has-author\n          \n          \"\n          ><\/p>\n<div class=\"summary-thumbnail-outer-container\">\n      <a\n        \n          \n            href=\"\/blog\/american-express-platinums-new-annual-fee-of-695-worth-it\"\n          \n        \n        class=\"\n          summary-thumbnail-container\n          sqs-gallery-image-container\n          \n        \"\n        data-title=\"Updated Review: The Platinum Card from American Express is Still Worth the Annual Fee ($695)\"\n        data-description=\"\"\n      ><\/p>\n<div class=\"summary-thumbnail img-wrapper\" data-animation-role=\"image\">\n<p>      <!-- Main Image --><br \/>\n      <img decoding=\"async\" src=\"https:\/\/moneywithkatie.com\/wp-content\/uploads\/2021\/10\/ScreenShot2021-07-15at12933PM-1.webp\" data-image=\"https:\/\/moneywithkatie.com\/wp-content\/uploads\/2021\/10\/ScreenShot2021-07-15at12933PM-1.webp\" data-image-dimensions=\"1848x1078\" data-image-focal-point=\"0.5,0.5\" alt=\"Updated Review: The Platinum Card from American Express is Still Worth the Annual Fee ($695)\"  data-load=\"false\" class=\"summary-thumbnail-image\" elementtiming=\"summary-thumbnail-image-list\" \/><\/p><\/div>\n<p>  <\/a><\/p>\n<p>    <!-- Products: Quick View --><\/p><\/div>\n<div class=\"summary-content sqs-gallery-meta-container\" data-animation-role=\"content\">\n<div class=\"summary-metadata-container summary-metadata-container--above-title\">\n<div class=\"summary-metadata summary-metadata--primary\">\n<p>\t<!-- Categories --><br \/>\n\t<span class=\"summary-metadata-item summary-metadata-item--cats\"><a href=\"\/blog?category=credit+cards\">credit cards<\/a>, <a href=\"\/blog?category=American+Express+Membership+Rewards\">American Express Membership Rewards<\/a><\/span><\/p>\n<\/div>\n<div class=\"summary-metadata summary-metadata--secondary\">\n<\/div><\/div>\n<div class=\"summary-title\">\n                <a\n                \n                  \n                    href=\"\/blog\/american-express-platinums-new-annual-fee-of-695-worth-it\"\n                  \n                \n                class=\"summary-title-link\">Updated Review: The Platinum Card from American Express is Still Worth the Annual Fee ($695)<\/a><\/div>\n<div class=\"summary-metadata-container summary-metadata-container--below-title\">\n<div class=\"summary-metadata summary-metadata--primary\">\n<p>\t<!-- Categories --><br \/>\n\t<span class=\"summary-metadata-item summary-metadata-item--cats\"><a href=\"\/blog?category=credit+cards\">credit cards<\/a>, <a href=\"\/blog?category=American+Express+Membership+Rewards\">American Express Membership Rewards<\/a><\/span><\/p>\n<\/div>\n<div class=\"summary-metadata summary-metadata--secondary\">\n<\/div><\/div>\n<div class=\"summary-metadata-container summary-metadata-container--below-content\">\n<div class=\"summary-metadata summary-metadata--primary\">\n<p>\t<!-- Categories --><br \/>\n\t<span class=\"summary-metadata-item summary-metadata-item--cats\"><a href=\"\/blog?category=credit+cards\">credit cards<\/a>, <a href=\"\/blog?category=American+Express+Membership+Rewards\">American Express Membership Rewards<\/a><\/span><\/p>\n<\/div>\n<div class=\"summary-metadata summary-metadata--secondary\">\n<\/div><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Disclosure: This content is not sponsored or endorsed by any of the card brands described here and is accurate as of the posting date, but some of the offers mentioned may have expired. Money with Katie is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as MileValue.com. [&hellip;]<\/p>\n","protected":false},"author":178814,"featured_media":2393,"comment_status":"closed","ping_status":"open","sticky":false,"template":"si-template-single-post-everyday-spending-and-budgeting.php","format":"standard","meta":{"footnotes":""},"categories":[38],"tags":[45],"class_list":["post-316","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-travel-rewards","tag-everyday-spending-and-budgeting"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>My 6th Credit Card: The American Express Gold Card - Money with Katie<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/moneywithkatie.com\/my-6th-credit-card-the-american-express-gold-card\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"My 6th Credit Card: The American Express Gold Card - Money with Katie\" \/>\n<meta property=\"og:description\" content=\"Disclosure: This content is not sponsored or endorsed by any of the card brands described here and is accurate as of the posting date, but some of the offers mentioned may have expired. 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