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

American Express^® Gold Card military benefits include an annual fee waiver for active duty, Guard and Reservists on 30+ day orders, and military spouses.

The Amex Gold Card offers Amex military annual fee waivers to those protected by the Military Lending Act.

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
Learn how to apply on our partner's secure site

• Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.
• Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
• 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year- includes OCONUS Commissaries
• 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
• 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
• 1X Membership Rewards® point per dollar spent on all other eligible purchases.
• No foreign transaction fees – great for the 4x on restaurants when traveling 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.
• $84 Dunkin' Credit: You can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at Dunkin' locations. Enrollment required.
• $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. Enrollment required.
• Go explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges with every booking of two nights or more through AmexTravel.com. Eligible charges vary by property.
• Read my full review of the Amex Gold card for military, terms apply
• $325 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 Card Military Fee Waiver

American Express automatically waives the annual fee on all of their personal cards to $0 for “covered borrowers” of the Military Lending Act. Covered borrowers, as defined in the law, include:

• Active duty members in the Army, Navy, Marine Corps, Air Force, Space Force, and Coast Guard
• National Guardsmen, Air National Guardsmen, or military Reservists on Title 10, Title 32, or other active duty orders for 30 days or longer
• Military spouses of any of the above

Once again, if you are active duty, a Guard or Reservist on 30+ day plus active orders, or a military spouse, you can all open your own, individual card accounts with American Express and pay no annual fees.

You can get all the benefits of the cards without the fees.

To confirm that you will receive MLA fee waivers when you apply for your American Express card, you can check your MLA eligibility in the MLA database.

I recommend checking the MLA database before applying for your first card, even if you've been active duty or a military spouse for a while. Sometimes Social Security Numbers are missing or DEERS is inaccurate. You must be listed as eligible for MLA benefits in the MLA database or you will have a difficult time proving eligibility to American Express.

Cards eligible for the American Express MLA fee waiver include:

• The Platinum Card^® from American Express
• American Express^® Gold Card
• American Express^® Green Card*
• Marriott Bonvoy Brilliant™ American Express^® Card
• Delta SkyMiles^® Reserve American Express Card
• Blue Cash Preferred^® Card from American Express
• Hilton Honors American Express Aspire Card*

American Express, like all US credit card companies, complies with the Servicemembers Civil Relief Act and Military Lending Act.

The date you open your American Express card or account determines which Act you may be entitled to relief under.

Account Opened While On Active Duty Orders	Account Opened Before Active Duty Orders
Military Lending Act	Servicemembers Civil Relief Act

Read this article for more information on the American Express military fee waiver.

Amex Gold 60k Bonus

Currently the Amex Gold card is offering the opportunity to earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, you'll receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. This is a limited time offer ending on 11/6/24.

At 11 cents per point, the Amex Gold Card welcome offer could be 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 credit card 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.

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 (see Special Protections for active duty military and their spouses).

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
Learn how to apply on our partner's secure site

• Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.
• Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
• 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year- includes OCONUS Commissaries
• 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
• 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
• 1X Membership Rewards® point per dollar spent on all other eligible purchases.
• No foreign transaction fees – great for the 4x on restaurants when traveling 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.
• $84 Dunkin' Credit: You can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at Dunkin' locations. Enrollment required.
• $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. Enrollment required.
• Go explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges with every booking of two nights or more through AmexTravel.com. Eligible charges vary by property.
• Read my full review of the Amex Gold card for military, terms apply
• $325 Annual Fee* See more details about American Express protections for you and your spouse 

Amex Gold FAQ