AMEX Gold Card Military Bonus: No $250 Annual Fee, 35,000 MR Points

See why the AMEX Platinum is my top recommended military credit card.
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The American Express Gold Card offers US military servicemembers and their spouses no annual fees and a huge 35,000 point welcome offer with $4000 spend in the first 3 months.

The AMEX military SCRA program is famous for waiving the annual fees on all AMEX credit cards, including the $550 per year AMEX Platinum and $250 per year AMEX Gold Card.

Learn how to apply for the AMEX Gold Card.

The AMEX Gold Card is perfect for military troops and family members who travel, dine out, buy groceries, and want to earn valuable AMEX Membership Reward points.

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

American Express Gold Card for US Military

  • Learn how to apply here
  • $250 Annual Fee waived for US military and spouses
  • Earn 35,000 Membership Reward points after spending $4000 in the first 3 months of account opening
  • 4x points on all restaurants worldwide
  • 4x points on US supermarkets (up to $25,000 per year) – includes OCONUS Commissarries
  • 3x points on flights booked directly with the airline or on amextravel.com
  • No foreign transaction fees – great for the 4x on restaurants worldwide when travelling for fun, OCONUS TDY, or PCS!
  • $100 airline fee credit
  • $120 per year credit at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House or Shake Shack

AMEX Gold Card Military Benefits

The chief military specific benefit on the AMEX Gold card is the $250 annual fee waived for active duty troops and spouses.

Other key benefits include the welcome bonus of 35,000 points after spending $4000 in the first 3 months of Card Membership.

35,000 AMEX points are worth approximately $700. Usually 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 AMEX MR point. Here's two screenshots comparing the cash price vs the points price.

ANA First class HNL-NRT round trip for 2 cash price: $27,325
ANA first class HNL-NRT round trip for 2 with AMEX MR points: 240,000 MR points + $486 fees

At 11 cents per point, the AMEX Gold Card welcome offer is worth $3850!

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 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 MR points at 2 cents or greater, this is an even better return on supermarket spending than the AMEX Blue Cash Preferred 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.

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.

However, the Platinum card earns 5x on airfare, vs the Gold card's 3x points. Therefore, use your Platinum card for airfare and your Gold card for groceries and dining out!

Having both cards in the military makes perfect sense since the annual fees are waived on both. That's $800 in annual fees waived if you get both cards!

AMEX Rose Gold Card for Military

The AMEX Rose Gold card is a limited edition of the AMEX Gold Card. It has all the same perks, benefits, and the annual fee is still waived for military servicemembers and spouses.

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 rose gold cards as soon as it was offered earlier this year. Currently, it's not available, but AMEX occasionally (usually twice per year) let's you switch to this color for free.

How to Get AMEX Gold Card Military Fee Waiver

US military servicemembers and spouses can usually get their $250 annual fee waived on the AMEX Gold Card without even calling in. Simply follow this three step process.

  1. Go to your AmericanExpress.com “Account Services” tab
  2. Click on “Card Management”
  3. Scroll to the bottom and find the “Servicemembers Civil Relief Act Benefits”

Or you can go directly to the AMEX “Request SCRA Benefits Now” page, located here.

how to get your AMEX scra fees waived on AMEX Gold Card
How to get AMEX military annual fees waived

Please follow these instructions here for active duty military and these instructions here for Guard and Reservists. Guard and Reservists on Title 10 and Title 32 should be eligible for AMEX SCRA benefits.

Upgrade AMEX Gold to AMEX Platinum

While the AMEX Gold card is great, you can upgrade this card to the even better AMEX Platinum after 1 year of card membership.

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 worldwide restaurants and US supermarkets.

Please note, you are not eligible for the welcome offer on this card if you have ever received a welcome offer before on an AMEX Gold card or an AMEX Premier Rewards Gold card (PRG).

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 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. 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!

Apply for the military annual fee waived AMEX Gold Card today!

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