American Express Gold

Whether Amex Gold is worth its $325 annual fee depends on which credits you actually use. Your WTF Check starts with $0/year in Auto-Counted Value. Add the Capturable credits you expect to use and the Available Credit Value is $424/year. A further $250/year is spend-gated — it only exists if you hit the issuer's qualifying-spend thresholds, so we don't count it. Run the WTF Check above for your verdict.

You need to capture at least $325 in credits each year to break even. Using every credit that isn't spend-gated returns $424 — that's 1.3× the fee. A further $250/year is spend-gated — it only exists if you hit the issuer's qualifying-spend thresholds, so we don't count it.

Banks add up every possible credit at its theoretical maximum. We separate the Auto-Counted Value included in the WTF Check ($0/year here) from Capturable and Earned value that counts only if you use or earn it. If you don't use it, we don't count it.

No. Welcome bonuses are one-time and vary by application channel, so we don't fold them into ongoing annual value. Our number reflects what you get every year you hold the card — not a first-year sweetener.

Amex Gold has no Auto-Counted credits in our current set. Review each credit below and include only what you realistically expect to use or earn.

These credits require you to opt in through your account before they'll post: Dunkin', Hertz Five Star status, Dining Credit, Amex Venue Collection Concessions Credit, Resy Dining, Uber Cash. If you don't enroll, you get nothing — even after you spend.

WorthTheFee excludes any benefit without a fixed, verifiable dollar value — things like elite status, lounge access, or trip insurance. They're real, but we won't put a fake price on them.

We sort every credit into three buckets: Auto-Counted (included in the WTF Check with no selection required), Capturable (available only if you actually use it), and Earned, Not Given (requires spending or qualifying activity). Your verdict adds Auto-Counted Value to the value you select—never the bank's marketing total.

We pull from the issuer's published terms and re-verify on a rolling cadence. When a term changes, we log it to our terms-history so you can see exactly what shifted and when. If a credit's reset window changes, your reminders update too.

Issuers raise fees occasionally — usually with 30–60 days notice. If we detect a fee change on a card you've saved, we surface a warning on this page and email you. You can always downgrade or cancel before the renewal posts.

No. Some card links may earn us a commission. Your verdict never does. The numbers don't move. The answer doesn't change. If the math says Cancel, we say Cancel.

Yes—your current selections are kept in this page's URL automatically. Create a free account to save your Fee Report to My Wallet and get reminders before each credit's reset window closes.