Summer Hull has been covering (and using) travel tips, rewards credit cards and loyalty programs for over a decade. She has flown close to a million miles, often on points and miles and with her family in tow.
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Quick summary
Renting Disney Vacation Club (DVC) points allows guests to stay at Disney's Deluxe resorts for prices similar to Value or Moderate resorts.
DVC rentals offer access to spacious accommodations with amenities like kitchens, washers and dryers, and balconies, as well as standard Disney resort perks such as early park entry and complimentary transportation.
Significant savings—often 40% to 60% off standard rates—are possible by renting points from owners or through established rental services.
DVC points can also be used for stays at Disney's beach resorts, providing similar amenities in non-theme park settings.
What to consider
Availability is highest when booking seven to 11 months in advance; options may be limited closer to your travel dates.
Rental bookings are generally less flexible than direct reservations, with stricter cancellation policies and limited refund options.
Renting directly from owners may offer lower prices but requires careful vetting to avoid potential scams.
What you'll miss from the article
Step-by-step guidance on booking DVC rentals, tips for maximizing savings and detailed comparisons of rental methods.
Generated by AI with support from our editorial team.
You have dozens of choices when it comes to finding the best Disney World hotel for your family.
If you're looking to save money on your magical vacation, you'll likely turn to Disney's Value or Moderate resort categories — but there is a way to stay in one of Disney'a top-tier Deluxe resorts. Believe it or not, you could stay at the likes of Disney’s Grand Floridian Resort & Spa or Disney’s Polynesian Village Resort for practically the same price you would pay at one of Disney's budget-friendly resorts.
The secret to booking a luxury Disney vacation at bargain prices is Disney Vacation Club.
You may be familiar with Disney Vacation Club membership, which is Disney's version of timeshares — but you can also rent points from DVC owners to stay at a Disney Vacation Club property for a fraction of the cost.
Here's how to do it, the types of accommodations you can book and how much you can save.
What is Disney Vacation Club?
Use rented DVC points to stay at Bay Lake Tower at Disney’s Contemporary Resort right next to the Magic Kingdom. SUMMER HULL/THE POINTS GUY
The Disney Vacation Club has existed since the early 1990s and is Mickey’s version of a timeshare.
You can purchase a DVC membership that is valid for as long as 50 years for a set number of "points." DVC members can use points to book DVC properties for themselves — or others — annually for the contract’s life.
While there is some flexibility to roll over points or borrow points from a future year, Disney Vacation Club members generally have to use or lose their points each year.
However, members who don’t plan on using all their allotted points can rent them out to other vacationers — like you.
How to save money by renting Disney Vacation Club points
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Disney's Grand Floridian Resort & Spa. SUMMER HULL/THE POINTS GUY
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Disney's Grand Floridian Resort & Spa. SUMMER HULL/THE POINTS GUY
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Disney's Grand Floridian Resort & Spa. SUMMER HULL/THE POINTS GUY
You can rent DVC points to stay in a Disney Deluxe Villa at Disneyland or Disney World for roughly the same price as booking a Value or Moderate Disney resort.
When you book a Disney Deluxe Villa, you’ll get more space than in a standard room and amenities like a kitchen or kitchenette, an in-room washer and dryer, a balcony, and more. Deluxe Villas range in size from studios to three-bedroom Grand Villas.
Disney Deluxe Villa resorts come with more dining options, nicer pool areas with splash playgrounds for kids, and fitness centers, too.
Island Tower at Disney's Polynesian Village Resort. SUMMER HULL/THE POINTS GUY
You’ll also get the normal perks of staying at a Disney resort, such as 30-minute early entry to the parks, extended evening hours on select nights, the ability to purchase Lightning Lane Multi Passes up to seven days before your visit and complimentary theme park transportation.
Plus, many Disney Vacation Club properties are ideally situated for visiting the parks. If you plan to spend most of your time at Epcot and Disney’s Hollywood Studios, consider the DVC rooms at Disney’s BoardWalk Inn and Disney’s Beach Club Resort. Or, if you prefer the Fantasyland classics at the Magic Kingdom, you can go with a monorail resort like Bay Lake Tower at Disney's Contemporary Resort, Polynesian Village or the Villas at Disney's Grand Floridian Resort & Spa.
Cash rates for standard rooms at these resorts often hover between $500 and $800 per night (or more during the busy holiday season). However, renting DVC points can greatly reduce out-of-pocket costs, as bookings are available for as little as 7 points per night, with points costing as little as $20 apiece. So, if you rent DVC points for $20 per point, you could use points to reserve a room at one of the above Deluxe Disney resorts for as little as $200 per night.
You can rent Disney Vacation Club points to stay at Disney’s beach resorts
Aulani, A Disney Resort & Spa. SUMMER HULL/THE POINTS GUY
In addition to renting Disney Vacation Club points for stays at Disney’s theme parks, you can also use DVC points to reserve a room at one of Disney’s beach resorts — Aulani, A Disney Resort & Spa, Disney’s Hilton Head Island Resort and Disney’s Vero Beach Resort.
These resorts have the same type of accommodations and level of service you’d expect from a Deluxe Disney resort in a relaxing beach setting. You can enjoy favorite Disney treats like Dole Whip and Mickey waffles, and those only-at-Disney experiences like daily crafts and games, character meet-and-greets, and awesome pools.
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Disney's Hilton Head Island Resort. TARAH CHIEFFI/THE POINTS GUY
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Disney's Hilton Head Island Resort. TARAH CHIEFFI/THE POINTS GUY
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Disney's Hilton Head Island Resort. TARAH CHIEFFI/THE POINTS GUY
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Disney's Hilton Head Island Resort. TARAH CHIEFFI/THE POINTS GUY
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Disney's Hilton Head Island Resort. TARAH CHIEFFI/THE POINTS GUY
As at DVC resorts at Disney World and Disneyland, there are various room types to choose from. Studio villas are smaller and have similar amenities to a standard hotel room. Larger villas with one, two or three bedrooms are usually more comfortable for larger families and longer stays; each has a full kitchen, a washer and dryer, a dining area, and a living room.
How much can you save by renting Disney Vacation Club points?
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Copper Creek Cabins at Disney's Fort Wilderness Resort. SUMMER HULL/THE POINTS GUY
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Copper Creek Cabins at Disney's Fort Wilderness Resort. SUMMER HULL/THE POINTS GUY
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Copper Creek Cabins at Disney's Fort Wilderness Resort. SUMMER HULL/THE POINTS GUY
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Copper Creek Cabins at Disney's Fort Wilderness Resort. SUMMER HULL/THE POINTS GUY
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Copper Creek Cabins at Disney's Fort Wilderness Resort. SUMMER HULL/THE POINTS GUY
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Copper Creek Cabins at Disney's Fort Wilderness Resort. SUMMER HULL/THE POINTS GUY
We’ve established the basics around renting Disney Vacation Club points. Now, it’s time to consider some real-world examples to see how much money you can save. We'll use a three-night stay in a studio villa at a Disney World hotel as an example.
David’s Vacation Club Rentals charges between $20 and $25 per point for DVC rentals, depending on which resort you choose and how far out you book. Availability is at its highest between seven and 11 months out.
Once you look at dates within seven months of your visit, availability begins to shrink, since DVC owners can start using their points at other resorts beyond the one where they own points. Because of this, David’s Vacation Club Rentals rates are slightly lower within seven months, averaging around $23 per point.
You may also choose to rent through an individual DVC owner, which is usually slightly less expensive at about $20 per point.
Dates:
Sept. 16-19, 2025
Disney’s Polynesian Village Resort
Disney’s Animal Kingdom Villas — Jambo House
Disney’s Grand Floridian Resort & Spa
Studio room via Disney
$2,509
$1,927
$2,665
DVC studio at premium prices when renting seven to 11 months out via David’s Vacation Club Rentals
$1,050 (42 points)
$483 (21 points)
$1,200 (48 points)
DVC studio at average prices when renting via an individual owner
$840 (42 points)
$420 (21 points)
$960 (48 points)
As you can see in our examples, exact savings vary. However, saving about 40% to 60% off paid Disney rates when renting DVC points is very realistic, even when paying the premium rates charged by a third-party service.
Be on the lookout for existing reservation listings too, as these can get you additional savings.
For example, we’ve seen reservations for as little as $17 per point in the “Confirmed Reservations for Rent” section under “DVC Guests” on David’s Vacation Club Rentals site. If your dates are flexible, you can save even more by booking one of these existing reservations.
DAVID'S VACATION CLUB RENTALS
How to rent Disney Vacation Club points
Now that you’ve seen how significant the savings can be, even on a three-night stay, let's walk through the process of renting DVC points.
The exact process will vary depending on whether you use a professional service like David’s Vacation Club Rentals or rent directly from a DVC owner, but it's pretty straightforward.
Renting Disney Vacation Club points from a service
Disney's Riviera Resort. SUMMER HULL/THE POINTS GUY
As mentioned, you can rent DVC points from David’s Vacation Club Rentals or another professional service. Before getting started, make note of what size room you will need, your travel dates and which resort(s) you prefer. Then, hit the "Reserve Now" button to complete your travel details.
If you book within that seven- to 11-month window, you shouldn't have trouble finding availability at your preferred resort, but it does help to have a few backup options should your first choice be sold out. When booking through David's, you can add alternate resort selections as a backup if your first choice isn't available. This step is optional if you are set on staying at a particular property.
Because DVC availability comes from a separate "bucket" than booking directly with Disney, you can use a site such as DVC Vacations before completing this step to ensure space at your preferred resort(s) before getting too far along in the rental booking process.
Once you’ve submitted the basics, you’ll need to pay a $105 deposit, which will go toward the price of your rental if it is secured. This will initiate the search.
If the resort and room type you are looking for are available, you will be asked to pay for the rental minus your $105 deposit. If there is no availability, you’ll receive an email with alternate options or a deposit refund.
Assuming all goes well and you’ve secured and fully paid for a rental, you will get a confirmation number to link to your My Disney Experience account. This final step allows you to access all the benefits of staying on Disney property.
Remember that you will not have the same 30-day cancellation policy as you would if you booked directly with Disney; David's has its own cancellation policy called Deferred Dreams. If you cancel up to 120 days before check-in, you'll receive 100% of the reservation price (minus the $105 deposit) in the form of a travel credit. That percentage lessens the closer you get to check-in.
Consider buying a travel insurance policy covering a potential cancellation outside your control, such as for a medical issue. Some DVC rental sites also offer a paid insurance plan via a partner. No matter how you rent, be aware that these are less flexible reservations than ones made directly with Disney.
David’s has been around for decades, and we’ve had good experiences with this service. You’ll pay a premium by renting through a service instead of booking directly with an individual, but you’ll spend less than if you try to rent a DVC villa directly from Walt Disney World. As a bonus, you’ll be protected by renting via an established brand.
Renting Disney Vacation Club points from an owner
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Disney's Polynesian Village Resort. SUMMER HULL/THE POINTS GUY
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Disney's Polynesian Village Resort. SUMMER HULL/THE POINTS GUY
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Disney's Polynesian Village Resort. SUMMER HULL/THE POINTS GUY
You can also rent points directly from a Disney Vacation Club owner. The price an individual DVC owner will charge is generally less than what you’ll get from a larger service, and prices often go down as the expiration date for the points approaches.
If you want to rent via an individual owner, keep the following tips in mind:
Search for individual DVC owners through a platform like DISboards. This popular Disney message board has a forum for people looking to rent their points. Because DISboards only allows active members or those who pay a fee to list points a limited number of times per year, it’s harder for scammers to post points available to rent.
Do your research before renting points. If you’ve identified a potential person you want to rent points from, Google their name or ask around in a related Facebook group for experiences. See if you can track them down on social media, and don’t hesitate to ask them for references from past renters. You can also see if they are truly an owner at one of the Disney World resorts by searching online through Orange County Comptroller records.
Disney's Animal Kingdom Lodge. SUMMER HULL/THE POINTS GUY
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Kidani Village’s Samawati Springs Pool at Disney's Animal Kingdom Resort. TARAH CHIEFFI/THE POINTS GUY
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Kidani Village’s Samawati Springs Pool at Disney's Animal Kingdom Resort. TARAH CHIEFFI/THE POINTS GUY
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Kidani Village’s Samawati Springs Pool at Disney's Animal Kingdom Resort. TARAH CHIEFFI/THE POINTS GUY
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TARAH CHIEFFI/THE POINTS GUY
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TARAH CHIEFFI/THE POINTS GUY
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TARAH CHIEFFI/THE POINTS GUY
Every family’s decision on where to stay and how to best pay for that lodging will be as unique as their Walt Disney World vacation. As with many things in life, it depends on budget, preference and circumstances.
We like to start by checking prices and availability directly with Disney. If you find a good deal, that may be the best option for you — especially if you value flexibility. Big-name rental sites like David’s Vacation Club Rentals do not permit booking changes or issue cash refunds (only travel credits) should your plans change.
Also, spot-check prices and availability at traditional points properties like the Walt Disney World Swan, Dolphin and Swan Reserve resorts or Disney Springs hotels. These hotels are on Disney property and offer several of the same perks as Disney's official hotels. However, they aren’t true Disney hotels, so sometimes they have better pricing.
Generally, DVC rooms are worth considering if the savings are substantial or if they allow you to significantly upgrade your experience.
For example, we recently rented points via David’s Vacation Club Rentals and reserved a two-bedroom, three-bathroom suite at Disney’s Animal Kingdom Lodge for $840 (or 40 points at $21 per point). This massive suite, which has a full kitchen and a separate living room, would’ve cost more than $1,300 had we booked directly with Disney.
Bottom line
Disney’s Wilderness Lodge. SUMMER HULL/THE POINTS GUY
While you’ll need to do your own research to ensure you’re comfortable with the process, whether you choose a DVC rental broker or an individual owner, we can assure you that you’ll find some of the best lodging at Disney World available through the Disney Vacation Club.
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
4X
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
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.
5X
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
3X
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
2X
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
1X
Earn 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
Regular APR
See Pay Over Time APR
Recommended credit
Excellent to Good
Pros + cons
Pros
Valuable dining and food-related credits
Points are transferable
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Difficult credit redemption
More details
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 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 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
Pros
Valuable dining and food-related credits
Points are transferable
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Difficult credit redemption
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 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 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
Comments
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
4X
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
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.
5X
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
3X
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
2X
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
1X
Earn 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
Regular APR
See Pay Over Time APR
Recommended credit
Excellent to Good
Pros + cons
Pros
Valuable dining and food-related credits
Points are transferable
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Difficult credit redemption
More details
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 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 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
Pros
Valuable dining and food-related credits
Points are transferable
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Difficult credit redemption
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 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 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
American Express® Gold Card
TPG Editor's Rating4/5
TPG Editor's Rating4/5
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
4X
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
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.
5X
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
3X
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
2X
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
1X
Earn 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
Regular APR
See Pay Over Time APR
Recommended credit
Excellent to Good
Pros + cons
Pros
Valuable dining and food-related credits
Points are transferable
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Difficult credit redemption
More details
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 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 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
Pros
Valuable dining and food-related credits
Points are transferable
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Difficult credit redemption
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 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 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
