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Best time to apply for Marriott cards based on offer history

Oct. 18, 2025
29 min read
W Maldives
The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don’t cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.

Editor's Note

This is a recurring post, regularly updated with new information and offers.

Marriott is the world's largest hotel chain, with over 9,000 properties in 144 countries spread across 35-plus brands. Like most hotel chains, Marriott offers an extensive family of cobranded credit cards.

Two issuers offer these credit cards: American Express and Chase. Options range from no-annual-fee, entry-level cards to premium cards and a business card.

Here are some of the most popular Marriott credit cards available to new applicants, a snapshot of each one's welcome offer range and some guidance on the best time to apply.

We'll only discuss publicly available welcome offers. However, you might receive targeted offers that feature better deals than those outlined below. Keep in mind that offers may change at any time, and some of the offers mentioned below may not be available at this time.


Best Marriott welcome offers

CardBest welcome offer we’ve seenWhen to apply
150,000 bonus points after spending $6,000 in the first three months of card membership, plus 50,000 bonus points after staying six eligible paid nights at Marriott hotels.
If the offer is over 100,000 points or three or more free nights
125,000 bonus points after spending $5,000 in the first three months of card membership, plus 50,000 bonus points after staying six eligible paid nights at Marriott hotels.
If the offer is over 85,000 points
Five free night awards, worth up to 50,000 points apiece, after spending $8,000 in the first six months of card membership. Certain hotels have resort fees.
If the offer is over 100,000 points or three or more free nights
Five free night awards, worth up to 50,000 points apiece, after spending $5,000 on purchases in the first three months from account opening. Certain hotels have resort fees.
If the offer is more than three free night awards or at least 125,000 bonus points
60,000 bonus points plus one free night award (valued at up to 50,000 points) after spending $2,000 on purchases in the first three months from account opening. Certain hotels have resort fees.
If the offer is more than 60,000 points

Related: Best welcome offers of the month

Marriott Bonvoy Brilliant American Express Card

Marriott’s most premium card, the Bonvoy Brilliant, has a $650 annual fee (see rates and fees) and earns 6 points per dollar spent on eligible purchases at hotels participating in the Marriott Bonvoy program, 3 points per dollar spent at restaurants worldwide and on flights booked directly and 2 points per dollar spent on all other purchases.

American Express Marriott Bonvoy Brilliant_2025_CCFL
THE POINTS GUY

The Brilliant offers benefits like automatic Platinum Elite status, an annual 85,000-point free night award each year after renewal (certain hotels have resort fees; terms apply) and various travel protections in case something goes awry during your travels.

Here are the offers we have seen on the Bonvoy Brilliant:

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Approximate dateOfferValue*
September 2025 to now

Earn 100,000 bonus points after spending $6,000 on purchases within the first six months of card membership.

$700
July 2025 to September 2025

Earn 185,000 bonus points after spending $6,000 on purchases within the first six months of card membership.

$1,295
May 2025 to July 2025

Earn 100,000 bonus points after making $6,000 in purchases within the first six months of card membership and an extra 50,000 bonus points after making an additional $2,000 in purchases within the first six months.

Up to $1,050
March 2025 to May 2025

Earn 185,000 bonus points after spending $6,000 on purchases within the first six months of card membership.

$1,295
October 2024 to March 2025
Earn 95,000 bonus points after you use your new card to make $6,000 in purchases within the first six months of card membership.
$665
August 2024 to October 2024
Earn 185,000 bonus points after you use your new card to make $6,000 in purchases within the first six months of card membership.
$1,295
May 2024 to August 2024
Earn 95,000 bonus points after you use your new card to make $6,000 in purchases within the first six months of card membership.
$665
February 2024 to May 2024
Earn 185,000 bonus points after you use your new card to make $6,000 in purchases within the first six months of card membership.
$1,295
November 2023 to February 2024
Earn 95,000 bonus points after you use your new card to make $6,000 in purchases within the first six months of card membership.
$665
September 2023 to November 2023
Earn two free night awards worth up to 85,000 points apiece after you spend $6,000 on purchases on the card in your first six months. Certain hotels have resort fees.
Up to $1,190
August 2023 to September 2023
Earn 95,000 bonus points after you use your new card to make $6,000 in purchases within the first six months of card membership.
$665
June 2023 to August 2023
Earn 150,000 bonus points after you use your new card to make $6,000 in purchases within the first six months of card membership. Plus, earn 50,000 bonus points after you stay six eligible paid nights at hotels participating in Marriott Bonvoy.
Up to $1,400
January 2023 to June 2023
Earn 95,000 bonus points after you use your new card to make $6,000 in purchases within the first six months of card membership.
$665
September 2022 to January 2023
Earn 150,000 bonus points after you use your new card to make $5,000 in purchases on the card within the first three months.
$1,050
May 2022 to September 2022
Earn 75,000 bonus points after you use your new card to make $3,000 in purchases on the card within the first three months.
$525
April 2022 to May 2022
Earn 100,000 bonus points and one free night award after you use your new card to make $5,000 in purchases within the first six months.
$700 (value could be more depending on how you use the free night award)

*Bonus offer value is based on TPG's October 2025 valuations and not provided by the credit card issuer.

Currently, new cardmembers can earn 100,000 bonus points after spending $6,000 on purchases within the first six months of card membership.

Highest welcome offer

The highest welcome offer we've seen on the Bonvoy Brilliant allowed new cardmembers to earn 150,000 bonus points after spending $6,000 in the first three months of card membership, plus 50,000 bonus points after staying six eligible paid nights at Marriott hotels.

When to apply

If the offer is over 100,000 bonus points, it's a good time to consider applying.

To learn more, read our full Marriott Bonvoy Brilliant review.


Learn more: Marriott Bonvoy Brilliant American Express Card


Marriott Bonvoy Bevy American Express Card

The Bonvoy Bevy is a mid-tier credit card that earns 6 points per dollar spent on Marriott hotels. It has a bevy of benefits and a $250 annual fee (see rates and fees).

American Express Marriott Bonvoy Bevy_2025_CCFL
THE POINTS GUY

The Bevy comes with perks like automatic Gold Elite status (terms apply), elite night credits and modest travel protections.

Here are the offers we have seen on the Bonvoy Bevy:

Approximate dateOfferValue*
September 2025 to now

Earn 85,000 bonus points after spending $5,000 on purchases within the first six months of card membership.

$595
July 2025 to September 2025

Earn 155,000 bonus points after spending $5,000 on purchases within the first six months of card membership.

$1,085
May 2025 to July 2025

Earn 85,000 bonus points after spending $5,000 on purchases within the first six months of card membership and earn an extra 50,000 bonus points after making an additional $2,000 in purchases within the first six months.

Up to $945
March 2025 to May 2025

Earn 155,000 bonus points after spending $5,000 on purchases within the first six months of card membership.

$1,085
October 2024 to March 2025
Earn 85,000 bonus points after spending $5,000 on purchases within the first six months of card membership.
$595
August 2024 to October 2024
Earn 155,000 bonus points after spending $5,000 on purchases within the first six months of card membership.
$1,085
May 2024 to August 2024
Earn 85,000 bonus points after spending $5,000 on purchases within the first six months of card membership.
$595
February 2024 to May 2024
Earn 155,000 bonus points after spending $5,000 on purchases within the first six months of card membership.
$1,085
November 2023 to February 2024
Earn 85,000 bonus points after spending $5,000 on purchases within the first six months of card membership.
$595
September 2023 to November 2023
Earn 125,000 bonus points after using your card to make $5,000 in eligible purchases in the first six months of card membership.
$875
August 2023 to September 2023
Earn 85,000 bonus points after spending $5,000 on purchases within the first six months of card membership.
$595
June 2023 to August 2023
Earn 125,000 bonus points after spending $5,000 in purchases within the first six months of card membership. Plus, earn 50,000 bonus points after you stay six eligible paid nights at hotels participating in Marriott Bonvoy.
$875
January 2023 to June 2023
Earn 85,000 bonus points after spending $5,000 on purchases within the first six months of card membership.
$595
September 2022 to January 2023
Earn 125,000 bonus points after spending $5,000 in purchases in the first six months of card membership.
$875

*Bonus offer value is based on TPG's October 2025 valuations and not provided by the credit card issuer.

Currently, new applicants can earn 85,000 bonus points after spending $5,000 on purchases within the first six months of card membership.

Highest welcome offer

The highest welcome offer we've seen on the Bonvoy Bevy allowed new cardmembers to earn 125,000 bonus points after spending $5,000 in the first three months of card membership, plus 50,000 bonus points after staying six eligible paid nights at Marriott hotels.

When to apply

If the offer is over 85,000 points, it's a good time to submit an application.

To learn more, read our full review of the Bonvoy Bevy.


Learn more: Marriott Bonvoy Bevy American Express Card


Marriott Bonvoy Business American Express Card

Small-business owners who frequently stay at Marriott's properties will find plenty to like about the Marriott Bonvoy Business American Express. The card comes with a $125 annual fee (see rates and fees), but has many perks that can help justify this fee.

Marriott Bonvoy Business American Express
THE POINTS GUY

This card offers a free night award of up to 35,000 points (resort fees may apply), elite night credits and solid earnings on Marriott stays.

Here are the offers we have seen on the Bonvoy Business:

Approximate dateOfferValue*
October 2025 to now
Earn up to 125,000 bonus points: 75,000 bonus points after spending $6,000 on purchases in the first six months of card membership and an additional 50,000 bonus points after spending an additional $3,000 in the first six months of card membership.
Up to $875
July 2025 to October 2025
Earn 125,000 points after spending $8,000 on purchases within the first six months of card membership.
$875
February 2025 to July 2025
Earn three bonus free night awards after spending $6,000 on purchases within the first six months of card membership. The redemption level is up to 50,000 Marriott Bonvoy points for each bonus free night award at hotels participating in Marriott Bonvoy. Certain hotels have resort fees.
Up to $1,050
February 2025 to March 2025
Earn 125,000 points after spending $8,000 on purchases within the first six months of card membership.
$875
October 2024 to February 2025
Earn three free night awards after spending $6,000 on purchases within the first six months of card membership. The redemption level is up to 50,000 Marriott Bonvoy points for each bonus free night award at hotels participating in Marriott Bonvoy. Certain hotels have resort fees.
Up to $1,050
September 2024 to October 2024
Earn five free night awards after spending $8,000 on purchases within the first six months of card membership. The redemption level is up to 50,000 Marriott Bonvoy points for each bonus free night award at hotels participating in Marriott Bonvoy. Certain hotels have resort fees.
Up to $1,750
July 2024 to September 2024
Earn three free night awards after spending $6,000 on purchases within the first six months of card membership. The redemption level is up to 50,000 Marriott Bonvoy points for each bonus free night award at hotels participating in Marriott Bonvoy. Certain hotels have resort fees.
Up to $1,050
May 2024 to July 2024
Earn five free night awards after you use your new card to make $8,000 in eligible purchases within the first six months of card membership. The redemption level is up to 50,000 Marriott Bonvoy points for each bonus free night award at hotels participating in Marriott Bonvoy. Certain hotels have resort fees.
Up to $1,750
March 2024 to May 2024
Earn three free night awards after spending $6,000 on purchases within the first six months of card membership. The redemption level is up to 50,000 Marriott Bonvoy points for each bonus free night award at hotels participating in Marriott Bonvoy. Certain hotels have resort fees.
Up to $1,050
February 2024 to March 2024
Earn five free night awards after you use your new card to make $8,000 in eligible purchases within the first six months of card membership. The redemption level is up to 50,000 Marriott Bonvoy points for each bonus free night award at hotels participating in Marriott Bonvoy. Certain hotels have resort fees.
Up to $1,750
November 2023 to February 2024
Earn three free night awards after spending $6,000 on purchases within the first six months of card membership. The redemption level is up to 50,000 Marriott Bonvoy points for each bonus free night award at hotels participating in Marriott Bonvoy. Certain hotels have resort fees.
Up to $1,050
September 2023 to November 2023
Earn 125,000 points after you use your new card to make $8,000 in purchases within the first six months of card membership.
$875
August 2023 to September 2023
Earn three free night awards after spending $6,000 on purchases within the first six months of card membership. The redemption level is up to 50,000 Marriott Bonvoy points for each bonus free night award at hotels participating in Marriott Bonvoy. Certain hotels have resort fees.
Up to $1,050
May 2023 to August 2023
Earn 75,000 bonus points after you use your new card to make $3,000 in eligible purchases within the first three months of card membership.
$525
March 2023 to May 2023
Earn 125,000 bonus points after you use your new card to make $5,000 in purchases within the first three months of card membership.
$875
November 2022 to March 2023
Earn 75,000 bonus points after you use your new card to make $3,000 in eligible purchases within the first three months of card membership.
$525
Late September 2022 to November 2022
Earn 100,000 bonus points after spending $4,000 on purchases on your new card in your first three months of card membership.
$700
September 2022
Earn 75,000 bonus points after you use your new card to make $3,000 in eligible purchases within the first three months of card membership.
$525
July 2022 to August 2022
Earn 125,000 points after spending $8,000 on eligible purchases within the first six months of card membership.
$875
May 2022 to July 2022
Earn 75,000 bonus points after you use your new card to make $3,000 in eligible purchases within the first three months of card membership.
$525
April 2022 to May 2022
Earn 100,000 bonus points after you use your new card to make $5,000 in eligible purchases within the first three months of card membership.
$700

*Bonus offer value is based on TPG's October 2025 valuations and not provided by the credit card issuer.

Currently, new applicants can earn up to 125,000 bonus points. Earn 75,000 bonus points after spending $6,000 on purchases in the first six months of card membership and an additional 50,000 bonus points after spending an additional $3,000 in the first six months of card membership.

Highest welcome offer

The highest welcome offer we've seen on the Bonvoy Business allowed new cardmembers to earn five free night awards, worth up to 50,000 points apiece, after spending $8,000 in the first six months of card membership.

When to apply

If the offer is over 100,000 points or three or more free nights, it's a good time to fill out an application.

To learn more, read our full review of the Marriott Bonvoy Business Amex.


Learn more: Marriott Bonvoy Business American Express Card


Marriott Bonvoy Boundless Credit Card

The Marriott Bonvoy Boundless is a mid-tier option from Chase with a $95 annual fee. It earns 6 points per dollar spent at Marriott properties.

Marriott Bonvoy Boundless Visa
THE POINTS GUY

The Boundless card also comes with many premium-like benefits, including an up to 35,000-point anniversary free night award, automatic Silver Elite status and elite night credits.

Here are the offers we've seen over the past few years:

Approximate dateOfferValue*
November 2025 to now
Earn three free night awards after spending $3,000 on purchases in the first three months from account opening. Each night is valued at up to 50,000 points; certain hotels may have resort fees.
Up to $1,050
September 2025 to November 2025
Earn 125,000 bonus points and one free night award (valued up to 50,000 points) after spending $3,000 in the first three months of account opening. Certain hotels may have resort fees.
Up to $1,225
July 2025 to September 2025
Earn three free night awards after spending $3,000 on purchases in the first three months from account opening. Each night is valued at up to 50,000 points; certain hotels may have resort fees.
Up to $1,050
June 2025
Earn five free night awards (each night is valued at up to 50,000 points) after spending $5,000 on purchases in the first three months from account opening. Certain hotels have resort fees.
Up to $1,750
April 2025 to June 2025
Earn three free nights after spending $3,000 on purchases in the first three months from account opening. Each night is valued at up to 50,000 points; certain hotels may have resort fees. Plus, earn 50,000 points after spending $6,000 on purchases in the first six months from account opening.
Up to $1,400
March 2025 to April 2025
Earn three free night awards after spending $3,000 on purchases in the first three months from account opening. Each night is valued at up to 50,000 points; certain hotels may have resort fees.
Up to $1,050
January 2025 to March 2025
Earn a $150 statement credit after making your first purchase in the first 12 months, plus earn 100,000 bonus points after spending $3,000 on purchases in the first three months from account opening.
Up to $1,000
November 2024 to January 2025
Earn three free night awards after spending $3,000 on purchases in the first three months from account opening. Each night is valued at up to 50,000 points; certain hotels may have resort fees.
Up to $1,050
September 2024 to November 2024
Earn 125,000 bonus points after spending $5,000 on purchases in the first three months from account opening.
$875
March 2024 to September 2024
Earn three free night awards (each night is valued at up to 50,000 points) after spending $3,000 on purchases in the first three months of account opening. Certain hotels have resort fees.
Up to $1,050
January 2024 to March 2024
Earn five free night awards (each night is valued at up to 50,000 points) after spending $5,000 on purchases in the first three months of account opening.
Up to $1,750
August 2023 to January 2024
Earn three free night awards (each night is valued at up to 50,000 points) after spending $3,000 on purchases in the first three months from account opening.
Up to $1,050
June 2023 to August 2023
Earn 75,000 bonus points after spending $3,000 on eligible purchases in the first six months. Plus, earn 50,000 bonus points after staying six eligible paid nights at Marriott hotels.
Up to $875
May 2023 to June 2023
Earn three free night awards (each night is valued at up to 50,000 points) after spending $3,000 on purchases in the first three months from account opening. Certain hotels have resort fees.
Up to $1,050
April 2023 to May 2023
Earn five free night awards (each night is valued at up to 50,000 points) after spending $5,000 on purchases in the first three months from account opening. Certain hotels have resort fees.
Up to $1,750
October 2022 to April 2023
Earn three free night awards (each night is valued at up to 50,000 points) after spending $3,000 on purchases in the first three months from account opening. Certain hotels have resort fees.
Up to $1,050
September 2022 to October 2022
Earn 100,000 bonus points after spending $3,000 on purchases within the first three months from account opening.
$700
July 2022 to September 2022
Earn three free night awards (each night is valued at up to 50,000 points) after spending $3,000 on purchases within the first three months from account opening.
Up to $1,050
July 2022
Earn five free night awards (each night is valued at up to 50,000 points) after spending $5,000 on purchases within the first three months from account opening.
Up to $1,750

*Bonus offer value is based on TPG's October 2025 valuations and not provided by the credit card issuer.

Currently, new cardholders can earn three free night awards (valued at up to 50,000 points each) after spending $3,000 on purchases in the first three months from account opening. Certain hotels may have resort fees.

Highest welcome offer

The highest welcome offer we've seen on the Bonvoy Boundless allowed new cardholders to earn five free night awards (each night is valued at up to 50,000 points) after spending $5,000 on purchases within the first three months from account opening. Certain hotels may have resort fees.

When to apply

If the offer is more than three free night awards or at least 125,000 bonus points, you should consider applying.

To learn more, read our full review of the Marriott Bonvoy Boundless.


Learn more: Marriott Bonvoy Boundless Credit Card


Marriott Bonvoy Bold Credit Card

The no-annual-fee Marriott Bonvoy Bold from Chase is an entry-level Marriott credit card. It offers modest benefits and elitelike perks for those who don't stay at Marriott properties frequently.

Marriott Bonvoy Bold Visa
THE POINTS GUY

The Bold offers automatic Silver Elite status, elite night credits and modest travel protections.

Here are the offers we have seen on the Bold card:

Approximate dateOfferValue*
November 2025 to now
Earn 30,000 bonus points after spending $1,000 on purchases in the first three months from account opening.
$210
September 2025 to November 2025
Earn 60,000 bonus points after spending $1,000 on purchases in the first three months from account opening.
$420
July 2025 to September 2025
Earn 30,000 bonus points after spending $1,000 on purchases in the first three months from account opening.
$210
June 2025
Earn 60,000 bonus points plus one free night award (valued at up to 50,000 points) after spending $2,000 on purchases in the first three months from account opening. Certain hotels have resort fees.
Up to $770
March 2025 to June 2025
Earn 30,000 bonus points after spending $1,000 on purchases in the first three months from account opening.
$210
January 2025 to March 2025
Earn 60,000 bonus points plus one free night award (valued at up to 50,000 points) after spending $2,000 on purchases in the first three months from account opening. Certain hotels have resort fees.
Up to $770
November 2024 to January 2025
Earn 30,000 bonus points after using the card to spend $1,000 on eligible purchases in the first three months from account opening.
$210
July 2024 to November 2024
Earn 60,000 bonus points plus one free night award (valued at up to 50,000 points) after spending $2,000 on purchases in the first three months from account opening. Certain hotels have resort fees.
Up to $770
August 2023 to July 2024
Earn 30,000 bonus points after using the card to spend $1,000 on eligible purchases in the first three months from account opening.
$210
June 2023 to August 2023
Earn 50,000 bonus points after spending $1,000 on eligible purchases in the first six months from account opening; plus, earn 50,000 bonus points after staying six eligible paid nights at Marriott hotels.
Up to $700
September 2022 to June 2023
Earn 60,000 bonus points after spending $1,000 on eligible purchases in the first six months from account opening.
$420

*Bonus offer value is based on TPG's October 2025 valuations and not provided by the credit card issuer.

Currently, new cardholders can earn 30,000 bonus points after spending $1,000 on purchases in the first three months from account opening.

Highest welcome offer

The highest welcome offer we've seen on the Bonvoy Bold allowed new cardmembers to earn 150,000 bonus points after spending $6,000 in the first three months of card membership, plus 50,000 bonus points after staying six eligible paid nights at Marriott hotels.

When to apply

If the offer is over 60,000 bonus points, it's a good time to consider applying.

To learn more, read our full review of the Marriott Bonvoy Bold.


Learn more: Marriott Bonvoy Bold Credit Card


Application restrictions

Before applying for one of these Marriott credit cards, it's imperative to make sure you're eligible for the welcome offer.

The Marriott American Express cards only allow you to earn one bonus for each of their cards once in a lifetime, and they have strict rules, so you may not be eligible for some cards' welcome bonuses.

Marriott hotel room
MARRIOTT

Additionally, Marriott has extra rules on welcome bonus eligibility if you have previously held other Marriott or former Starwood Preferred Guest credit cards. You can use this eligibility table to see if you are eligible for a welcome bonus.

On the Marriott Chase cobranded cards side, you are subject to the 5/24 rule, which means you can't have opened five or more personal credit cards across all banks in the past 24 months. This rule is in addition to the Marriott application rules if you have previously held another Marriott or former SPG credit card.

Related: Want to open a new Chase card? Here’s how to calculate your 5/24 standing

Bottom line

Using the data and offer history above can help you time applications and potentially net you many more Bonvoy points. The historical data shows that during certain months, welcome offers tend to be higher than in other months year over year.

Lastly, with this offer history, you have a baseline and threshold on the bare minimum welcome offer you should apply for. If it is higher than that threshold, that would be considered a good time to apply for a Marriott card.

Related: Best Marriott credit cards

For rates and fees for the Marriott Bonvoy Bevy, click here.

For rates and fees for the Marriott Bonvoy Brilliant, click here.

For rates and fees for the Marriott Bonvoy Business, click here.

Featured image by RALF TOOTEN/MARRIOTT
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

TPG featured card

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Apply for American Express® Gold Card
at American Express's secure site

Rewards

1 - 4X points

Intro offer

As High As 100,000 points. Find Out Your Offer.

Annual Fee

$325

Recommended Credit

Excellent to Good

Why We Chose It

There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)

Pros

  • 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
  • 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
  • Packed with credits foodies will enjoy
  • Solid welcome bonus

Cons

  • Not as useful for those living outside the U.S.
  • Some may have trouble using Uber and other dining credits
  • You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
  • 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.
  • Earn 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.
  • Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
  • Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
  • Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
  • $84 Dunkin' Credit: With the $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 U.S. Dunkin' locations. Enrollment is required to receive this benefit.
  • $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. That's up to $50 in statement credits semi-annually. Enrollment required.
  • $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
  • 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.
  • No Foreign Transaction Fees.
  • Annual Fee is $325.
  • Terms Apply.
Apply for American Express® Gold Card
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Terms & restrictions apply. See rates & fees
Best for dining at restaurants
TPG Editor‘s Rating
4 / 5
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Rewards Rate

4XEarn 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.
4XEarn 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.
3XEarn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
2XEarn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
1XEarn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
  • Intro Offer

    As High As 100,000 points. Find Out Your Offer.
  • Annual Fee

    $325
  • Recommended Credit

    Excellent to Good

Why We Chose It

There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)

Pros

  • 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
  • 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
  • Packed with credits foodies will enjoy
  • Solid welcome bonus

Cons

  • Not as useful for those living outside the U.S.
  • Some may have trouble using Uber and other dining credits
  • You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
  • 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.
  • Earn 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.
  • Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
  • Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
  • Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
  • $84 Dunkin' Credit: With the $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 U.S. Dunkin' locations. Enrollment is required to receive this benefit.
  • $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. That's up to $50 in statement credits semi-annually. Enrollment required.
  • $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
  • 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.
  • No Foreign Transaction Fees.
  • Annual Fee is $325.
  • Terms Apply.