Skip to content

TPG's guide to New York City's Grand Central Terminal

Aug. 06, 2020
5 min read
stephen-h-dF4qSZKJw_g-unsplash
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

As the travel industry reopens following COVID-19 shutdowns, TPG suggests that you talk to your doctor, follow health officials' guidance and research local travel restrictions before booking that next trip. We will be here to help you prepare, whether it is next month or next year. Note that some retail shops and restaurants mentioned below may be closed or have reduced hours due to the coronavirus pandemic.

When New York City's Grand Central Terminal opened in 1913, The New York Times raved, "Without exception, it is not only the greatest station in the United States, but the greatest station, of any type, in the world." Now, over a hundred years later, Grand Central remains an architectural icon, star of movies such as "North by Northwest," and one of the most popular landmarks in the world, with more than 21.6 million annual visitors, excluding commuters.

Of course, as the terminus of Metro-North Railroad and a major subway station, it's also a working transportation hub and one of the busiest train stations in North America, behind New York Penn Station and Toronto Union Station.

Grand Central's fate wasn't always certain. As train use declined in the mid-20th century, the station's owners sought to renovate the building. But thanks in part to Jacqueline Kennedy Onassis, the building became a New York City landmark in 1967 and was added to the National Register of Historic Places nine years later.

(Photo by Oliver Dumoulin on Unsplash)

It was certainly worth saving. Today, tourists and commuters alike can marvel at Grand Central's magnificent Beaux-Arts architecture and design features, including its famous celestial ceiling mural, whispering gallery, and world's largest Tiffany clock. The terminal has also become a go-to spot in the city for grabbing a bite to eat, shopping, or simply taking the world in.

Here's how to make the most of a trip.

For more TPG news delivered each morning to your inbox, sign up for our daily newsletter.

Getting there

Grand Central is located between Vanderbilt and Park avenues on East 42nd Street (perhaps the busiest road in all of New York). The main entrance is at 89 East 42nd Street between Vanderbilt and Park Avenues, with additional doorways on Vanderbilt Avenue, Lexington Avenue and 45th Street.

Taking public transportation will help you avoid the inevitable midtown traffic. Grand Central is directly accessible via the 4, 5, 6, 7 and S subway lines, while the M101, M102, M103, M1, M2, M3, M4, Q32 and M42 buses have stops outside the station.

If you prefer to use a ride-hailing app or cab, specify the 89 East 42nd Street entrance. It’s the closest one to Metro-North service.

Daily Newsletter
Reward your inbox with the TPG Daily newsletter
Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG’s experts

The levels

Considering it’s a major travel hub, Grand Central has a surprisingly simple layout. On the main level, you’ll find everything related to transportation, including ticket booths, Metro-North tracks and subway access. Here, you’ll also discover corridors with restaurants and shops.

The lower level is a dedicated dining hall, while the small balcony level has a couple of restaurants, bar and, yes, even an Apple store.

(Photo by Reiseuhu on Unsplash)

Metro-North Railroad

Grand Central serves Metro-North, a commuter rail that runs along the Harlem, Hudson and New Haven lines to destinations like Westchester, the Hudson Valley and Connecticut. Ticket and information booths, along with self-serve kiosks and track entrances, are all conveniently located in the main concourse hall. (Still, it’s not a bad idea to purchase tickets ahead of time if you’re traveling at rush hour.)

Grand Central doesn’t have a dedicated waiting area -- so spend any extra time marveling at the architecture or consider getting there a little early for a drink at cocktail den The Campbell.

Dining, shopping & entertainment

Grand Central is worth visiting even if you don’t have a train to catch.

One of its most popular restaurants, Grand Central Oyster Bar, is as old as the station itself. There’s also Michelin-starred Agern, a relative newcomer and star of Nordic cuisine. If you’re looking for something more casual, don’t miss the great collection of local New York favorites like Jacques Torres Chocolate, Doughnut Plant, Shack Shake and Cafe Grumpy. Meanwhile, shoppers can check out 65 boutiques, including Warby Parker and Tumi, and tennis fans can get in a workout at the public tennis club. Check out Vanderbilt Hall to see if there's an upcoming event or art exhibit.

Regardless of how you choose to spend your time and money, here’s a reminder of how different credit cards classify travel and dining purchases.

Bottom line

Grand Central is a temple to the past -- but it’s also continuing to evolve. If everything goes according to schedule, it will be a new hub for the Long Island Rail Road (LIRR) starting in 2022. The project will create a new eight-track terminal and concourse underneath Grand Central and extend the LIRR from its main line in Queens, making the station an even more integral part of New York in years to come.

TPG featured card

Best for dining at restaurants
TPG Editor‘s Rating
4 / 5
Go to review
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
at American Express's secure site
Terms & restrictions apply. See rates & fees
Best for dining at restaurants
TPG Editor‘s Rating
4 / 5
Go to review

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.