Amex Gold Card Military | 60k Points, 4x Groceries, Restaurants

12,000 grads of the Ultimate Military Credit Cards Course already know why
The Platinum Card® from American Express is my #1 recommended card

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The American Express® Gold Card offers military troops and their military spouses a huge 60,000 point welcome offer with $6,000 spend in the first 6 months.

The Amex Gold Card military details are explained in this article here.

The same Amex rules that apply to the The Platinum Card® from American Express for you and your spouse, also apply to the Amex Gold Card.

American Express Gold Card military AMEX Gold Card Military No annual fee SCRA $250 annual fee waived

American Express® Gold Card
Learn how to apply on our partner's secure site

  • Earn 60,000 Membership Reward® Points after spending $6,000 on eligible purchases with your new card in the first 6 months of Card Membership
  • Earn 4x points at restaurants, plus takeout and delivery in the US
  • Earn 4x points on US supermarkets (up to $25,000 per year, then 1x points) – includes OCONUS Commissaries
  • Earn 3x points on flights booked directly with the airline or on amextravel.com
  • No foreign transaction fees – great for the 4x on restaurants when travelling for fun, OCONUS TDY, or PCS!
  • $120 Uber Cash on Gold: Add your Amex Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 annually.
  • $120 per year Dining Credit: Earn up to $10 per month in statement credits when you use your Amex Gold at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, and select Shake Shack locations. Enrollment required.
  • Choose between the Gold or Rose Gold version when you apply.
  • Read my full review of the Amex Gold card for military, terms apply
  • $250 Annual Fee* See more details about American Express protections for you and your spouse 

The Amex Gold card is the second most popular American Express card on my site, after The Platinum Card® from American Express, and for good reason:

The Amex Gold Card is perfect for military troops and family members who dine out, order delivery, get takeout, or buy groceries and want to earn valuable Amex Membership Reward points.

The Amex Gold card is also my #2 recommended American Express card for military spouses. Again, this article here explains all the details on why I recommend this card so highly.

Both the active duty servicemember and the civilian spouse can open up their own account. You do not need to be authorized users on the account. This can double your annual benefits!

I recorded two episodes on the Military Money Manual Podcast on the Amex Gold card and the best cards for military spouses. You can listen in the players below or on Spotify or Apple.

Amex Gold 60k Bonus

Currently the Amex Gold card is offering the opportunity to earn a 60,000 point welcome bonus after you meet the minimum spend requirement of $6,000 in the first 6 months of Card Membership. This is the largest public bonus I have seen in years on this card.

At 11 cents per point, the Amex Gold Card welcome offer is worth $6,600, which is more than minimum spend required!

60,000 points can be cashed out through the Schwab Platinum card for $660 (at 1.1 cents per point) or transferred to over 20 travel transfer partners for maximum value. Now is a great time to earn the points and then cash them in latter for when travel opens back up.

Learn how to maximize your Amex points in my free Ultimate Military Credit Cards Course. Or check out the Military Money Manual Podcast for more military travel hacking tips.

60,000 Amex points are worth approximately $1,200 if you transfer to a partner airline or hotel, if you can get 2 cents of value per Amex Membership Reward points.

Sometimes you can get much more than 2 cents per Amex point. For example, I recently booked a round trip, first class flight for my wife and me to go to Japan next year.

These flights would have cost $27,000, but I I cashed in 240,000 AMEX MR points instead for a valuation of over 11 cents per American Express Membership Reward point. Here's two screenshots comparing the cash price vs the points price.

ANA First class Honolulu, Hawaii to Tokyo, Japan round trip for 2 cash price: $27,325
ANA first class HNL-NRT round trip for 2 with Amex points: 240,000 points + $486 fees

Amex Gold Bonus Categories: Food!

The bonus categories for the Gold card include 4x on restaurants worldwide, which is even better than the 3x points on dining with Chase Sapphire Reserve®.

The Amex Gold card also offers 4x points on US supermarkets up to $25,000 per year. This could be worth 100,000 Amex MR points if you spend a lot on groceries!

If you value Amex Membership Rewards points at 2 cents or greater, this is an even better return on supermarket spending than the Blue Cash Preferred® Card from American Express with 6% cash back on US supermarkets ($95 annual fee waived for military).

US military Commissaries overseas are eligible for the 4x points on US supermarkets. If you're stationed in Japan, South Korea, Germany, England, Spain, Italy, or Bahrain, you can use this card on base at the Commissary, and earn the 4x points.

The no foreign transaction fees on this card make it perfect for OCONUS TDY, PCS, and deployments. If you like to travel internationally on vacation, you need this card in your wallet.

This card is an excellent compliment to the Amex Platinum card. The Gold card earns more points (4x vs. 1x) on restaurants and US supermarkets than the Platinum card. I compared the Amex Gold vs Amex Platinum to see which is better for military servicemembers.

The Platinum card earns 5x on airfare vs the Amex Gold card's 3x points on airfare booked directly with the airline or on amextrael.com. Therefore, use your Amex Platinum card for airfare and your Amex Gold card for groceries and dining out.

Having both cards in the military makes perfect sense for reasons I spell out in this article.

Amex Rose Gold Card for Military

The Amex Rose Gold card is a special edition of the Amex Gold Card. It has all the same perks and benefits.

The rose gold color is very distinctive. It also sounds very distinctive when you tab it on the table. Both the Amex Gold and Rose Gold card are made of metal.

I personally picked up one of these Amex Rose Gold Cards as soon as it was offered earlier this year.

Upgrade Amex Gold to Amex Platinum

While the Amex Gold card is great, you can upgrade this card to the another Amex Platinum after 1 year of card membership. Then you can open another Amex Gold. You probably won't be eligible for the welcome bonus, since Amex has a “once per lifetime” welcome bonus policy.

Now you'll have 2 Amex Platinums and 1 Amex Gold.

I recently upgraded my Amex Gold card to another Amex Platinum card. I then opened another Amex Gold card account to continue to have access to the 4x points on restaurants and US supermarkets.

Because I had previously opened an Amex Gold card account and received a welcome offer, I will not be eligible for future welcome offers on new or upgraded Amex Gold accounts.

After another year I will upgrade my new Gold card to another Amex Platinum card and the open another Amex Gold card. This process should be able to continue until I leave active duty or I hit the Amex charge card limit. Maybe I'll even get more than 11 Platinum cards!

Bottom line, the Amex Gold card is perfect for traveling military servicemembers and spouses who eat out at restaurants either at home or on the road or grocery shop. The Gold Card should be your go to card for all food purchases, whether it's making food at home or letting someone else do the cooking and clean up!

American Express Gold Card military AMEX Gold Card Military No annual fee SCRA $250 annual fee waived

American Express® Gold Card
Learn how to apply on our partner's secure site

  • Earn 60,000 Membership Reward® Points after spending $6,000 on eligible purchases with your new card in the first 6 months of Card Membership
  • Earn 4x points at restaurants, plus takeout and delivery in the US
  • Earn 4x points on US supermarkets (up to $25,000 per year, then 1x points) – includes OCONUS Commissaries
  • Earn 3x points on flights booked directly with the airline or on amextravel.com
  • No foreign transaction fees – great for the 4x on restaurants when travelling for fun, OCONUS TDY, or PCS!
  • $120 Uber Cash on Gold: Add your Amex Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 annually.
  • $120 per year Dining Credit: Earn up to $10 per month in statement credits when you use your Amex Gold at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, and select Shake Shack locations. Enrollment required.
  • Choose between the Gold or Rose Gold version when you apply.
  • Read my full review of the Amex Gold card for military, terms apply
  • $250 Annual Fee* See more details about American Express protections for you and your spouse 

Amex Gold FAQ

Is the Amex Gold card still metal?

The Amex Gold card is still metal.

What are the benefits of the Amex Gold card?

The Amex Gold card benefits include a large welcome bonus, bonus categories to earn extra points like restaurants, US supermarkets, and travel. You also get monthly Uber and dining credits. No foreign transaction fees Amex Gold a great travel rewards card.

Is it hard to get the Amex Gold card?

The Amex Gold card should be pretty easy to get with a credit score over 700.

Can I carry a balance on Amex Gold?

The Amex Gold card is a charge card, meaning the balance is due in full every month. However, Amex does offer a pay over time feature, that allows you to make monthly payments towards your balance, similar to a credit card.

15 thoughts on “Amex Gold Card Military | 60k Points, 4x Groceries, Restaurants”

  1. Hello ! I would like to get the gold card. My concern is not all commissaries code as grocery store or supermarket . Have this been a issue with you guys ?

    Reply
  2. “Earn 60,000 Membership Reward Amex points after spending $4000 in the first 6 months of account opening”

    Spencer, It’s 3 months now instead of 6 months, could you please double check?

    Reply
  3. From the application: “based on your history with credit card balance transfers, American Express welcome offers, introductory APR offers, or the number of Cards you have opened and closed, you are not eligible to receive the welcome offer.” Hmmm…

    Reply
  4. so when I have multiple AMEX platinum cards. can i combine all of my benefits? or are the still separated by the different card accounts? example, with 1 platinum cards I get a monthly $15 to spend on uber eats. with 2 cards i get $30. Would I need to make 2 separate orders from ubereats? or can I lump it into 1 order?

    Reply
    • The benefits are additive. So for instance I get $75 of Uber credits per month since I have added all 5 of my and my wife’s Platinum cards to my Uber account. Or the Saks credit I just split the transaction over 5 cards or buy 5x $50 gift cards with each Platinum card.

      Reply
        • In person in July 2021. All successful across 8 Platinum cards. I will try again in January 2022 when my $50 credit refreshes.

          Reply
          • Spencer, Can you confirm whether you are still having luck with Saks gift cards (in person vs online)? I’ve heard different things and this is definitely one part of the Platinum I haven’t utilized well.

            Reply

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