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Amex PRG Review – Amex Premier Rewards Gold (Now Amex Gold Card)

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The Amex PRG card (now the Amex Gold Card) is one of the leading credit cards for point-earning on the market right now. Lots of people love using this card and if you’re thinking about it, I’m sure you’ll love it too.

In this post, I’m going to show you why if you’re a foodie and want to rack up lots of MR points, then this probably is the card for you.

Travel Hacking Joseph Sleek

Who Should Get the Amex PRG Card?

There are two possible types of people that could really like the Amex Premier Rewards Gold card. Those that like to dine out at restaurants and anyone who spends a good amount at supermarkets. 

Assuming that you eat throughout the day, I assume you fall under one of those categories. We’ll get into the benefits, perks, and more, but if you spend a chunk of your paycheck on these you could be earning 4x bonus points at restaurants and on groceries to sustain yourself. 

Sign-up Bonus

At the current time, the Amex Gold card is offering 35,000 Membership Reward points if you spend $2,000 in the first three months. This can be used to transfer to many of Amex’s transfer partners to get lots of value. It’s not a huge bonus but it is something. 

This bonus is tricky because Amex does run promotions sometimes where referral links and the CardMatch tool can show offers for 40,000 or 50,000 points. American Express is one company that sometimes shows a lower offer on its main website than when you go through a referral. 

This is important because you can only get one sign-up bonus for each card with Amex so you should always make sure you’re maximizing value. 

If you’d like to support ADP and like this post, you can always check if you have a higher referral option with my referral link to the Amex Gold Card here.


This card comes with lots of perks but of course, these perks are here to offset the annual fee, which is $250. I’ll show you how you make that money back easily with these benefits. 

$120 Annual Dining Credit: Earn up to $10 in statement credits monthly when you pay with the Gold Card at participating dining partners, including Grubhub, Seamless, Boxed, The Cheesecake Factory, Ruth’s Chris Steak House, and some Shake Shacks. This is a $10 credit monthly. Basically, if you don’t use the credit in a month like July, you won’t be able to use it in August. 

$100 Annual Airline Credit: A credit for incidental charges such as checked bags per calendar year. You have to enroll to use this and can only be used for one qualifying airline. 

Amex Hotel Collection: Booking a stay through their hotel collection gives you 2x points and each stay gives you an upgrade to a better room and a $100 credit to some restaurants or spas on the property. Each hotel is different so make sure to check the fine print. 

You get $220 in credits to use no matter what on airlines and restaurants and then if you use the Amex hotel once, you already are in the green. This, of course, doesn’t bring in the earning factors which we are going to talk about next. 

Earning Rates

The Amex PRG offers great earning rates. You get 4x points on dining across the world and in U.S. Supermarkets. You get 3x points on flights booked directly on the airline’s website or at Everything else gets 1x points of course. 

4x dining and groceries basically makes this card the best in those two categories across the board in the credit card game. Of course, some people prefer certain points over others but if you have no preference this would definitely become your best card in those circumstances. 

3x on flights is alright but you get a better value with the Amex Platinum and cards like the Chase Sapphire Preferred don’t restrict where you can purchase to get bonus points. 

To Wrap It Up

The Amex Gold card can help you rack up lots of points in your eating adventures over the years. This card earns a spot in my favorite credit cards to hold. 

If you'd like to support ADP and sign up for the card with our post, you can here and it's much appreciated!

Do you have the Amex Gold card? Are you thinking about getting it?

Let me know in the comments down below.

If you’re interested in learning everything about travel hacking, I have a post on the Ultimate Guide to Travel Hacking for 2019 that will surely help you out so be sure to check that out.

And if you know someone that would enjoy this resource on the Amex PRG card, please share it with them because it will probably help them out. Thank you!

Travel Hacking Joseph Sleek