How to Activate American Express Gold Card
1
Activate Online
Visit americanexpress.com/activate → enter your 15-digit card number, 4-digit CID (front of card), and expiry date.
2
Activate via Amex App
Open the Amex® app → tap "Activate Card" from the card overview screen → verify identity with Face ID or passcode.
3
Activate by Phone
Call 1-800-528-4800 → select "Activate a new card" from the menu → provide your card number and personal verification info.
4
Set Up Dining Credits
After activation, enroll at restaurants like Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, or Milk Bar to activate $10/month dining credit.
5
Link to Uber Account
Connect your Gold Card to Uber to receive $10/month Uber Cash ($120/year) for Uber Eats and rides automatically.
Fee Structure
| Fee Type | Amount | Notes |
|---|---|---|
| Annual Fee | $325 | Offset by up to $440 in annual credits |
| Authorized User Fee | $0 first 5 users | Free additional cardholders |
| Foreign Transaction Fee | $0 | No international fees |
| APR (Variable) | See Pay Over Time | Only on Pay Over Time balance |
| Cash Advance Fee | 5% (min $10) | Of amount withdrawn |
| Late Payment Fee | Up to $40 | After due date |
| Returned Payment Fee | Up to $40 | Per returned payment |
Membership Rewards® Points & Credits
| Category / Credit | Reward | Value / Limit |
|---|---|---|
| Restaurants Worldwide | 4X Points | No cap, all dining |
| U.S. Supermarkets | 4X Points | Up to $25,000/year then 1X |
| Flights via Amex Travel | 3X Points | Booked directly with airlines |
| All Other Purchases | 1X Point | Unlimited |
| Welcome Offer | 60,000 Points | Spend $6,000 in first 6 months |
| Dining Credit | $120/year | $10/month at select restaurants |
| Uber Cash | $120/year | $10/month for Uber & Uber Eats |
| Resy Dining Credit | $100/year | Semi-annual Resy booking credit |
💡 Points Value: Amex Membership Rewards® points are worth ~1.0¢–2.0¢ each depending on redemption. Transfer to airline partners like Delta SkyMiles or ANA for maximum value.