Amex Gold Card Military: 60k Points, $250 Annual Fee Waived

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The American Express® Gold Card military offers active duty troops and their military spouses no annual fees and a huge 60,000 point welcome offer with $4000 spend in the first 6 months.

The Amex MLA and SCRA program is world famous for waiving the annual fees on all Amex credit cards, including The Platinum Card® from American Express and the Amex Gold Card.

Learn how to apply for the Amex Gold Card.

American Express Gold Card military AMEX Gold Card Military No annual fee SCRA $250 annual fee waived
  • Learn how to apply for the American Express® Gold Card
  • $250 Annual Fee waived for US military and spouses
  • Earn 60,000 Membership Reward Amex points after spending $4000 in the first 6 months of account opening
  • Rose Gold is back! Choose between the Gold or Rose Gold version when you apply.
  • 4x points on all restaurants, including takeout and delivery
  • 4x points on US supermarkets (up to $25,000 per year) – includes OCONUS Commissaries
  • 3x points on flights booked directly with the airline or on
  • No foreign transaction fees – great for the 4x on restaurants when travelling for fun, OCONUS TDY, or PCS!
  • $120 annual Uber or Uber Eats cash. Earned as $10 per month.
  • $120 per year credit at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House or Shake Shack (enrollment required)
  • Read my full review of the Amex Gold card for military, terms apply

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.

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. This is the largest bonus I have seen in years on this card.

60,000 points can be cashed out through the Schwab Platinum card for $750 (at 1.25 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.

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 60,000 points after spending $4000 in the first 6 months of Card Membership.

60,000 AMEX points are worth approximately $1200. Usually I 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 $6600, which is more than minimum spend required!

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. I compare the Amex Gold vs Amex Platinum to see which is better for military servicemembers.

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.

If you open the card while you or your spouse is on active duty, your fees will be waived under Amex Military Lending Act or MLA policy. You can confirm your MLA eligibility in the MLA database here:

If you opened the card before active duty, you may need to apply for Amex SCRA benefits. Here is the process:

Apply for Amex Gold SCRA Benefits

  1. Go to your “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 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 (PRG) card.

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 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!

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

10 thoughts on “Amex Gold Card Military: 60k Points, $250 Annual Fee Waived”

  1. “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?

  2. 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…

  3. 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?

    • 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.


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