deals

Amex Gold Now Offering 90,000 Points - Highest Ever Public Offer

The American Express Gold Card is now offering 90,000 Membership Rewards points after $6,000 spend - the highest public offer we've tracked.

The American Express Gold Card just hit its highest-ever public sign-up bonus: 90,000 Membership Rewards points after $6,000 in purchases within 6 months.

The Details

  • Bonus: 90,000 Membership Rewards points
  • Spend requirement: $6,000 in 6 months
  • Annual fee: $250

For context, we’ve tracked offers on this card since 2020:

  • 90,000 points (current) - highest ever
  • 75,000 points (previous offer, June-December 2024)
  • 60,000 points (standard offer in 2024)

Is It Worth It?

At 90,000 points, you’re looking at roughly $1,350-$1,800 in value depending on how you redeem (1.5-2 cents per point is reasonable for travel transfers).

The card earns:

  • 4x at restaurants worldwide
  • 4x at U.S. supermarkets (up to $25,000/year)
  • 3x on flights booked directly with airlines
  • 1x on everything else

You also get $240 in annual credits ($120 dining + $120 Uber), which brings the effective annual fee down to $10.

Who Should Apply?

This card makes sense if you:

  • Spend at least $250/month on dining or groceries
  • Value transfer partners like Delta, ANA, or British Airways
  • Can hit $6,000 in spend over 6 months

Who Should Skip?

You might want to pass if:

  • You recently got an Amex card (once-per-lifetime bonus rules apply)
  • You prefer cash back over points
  • You don’t eat out or cook much

My Take

The 90,000 point offer won’t last forever - historically, Amex raises and lowers bonuses every few months. If you’ve been considering the Gold Card, this is the time to apply. The combination of highest-ever bonus + annual credits that nearly eliminate the fee makes this one of the best value propositions in travel cards right now.

If you’re torn between the Amex Gold and Chase Sapphire Preferred, consider your spending. Heavy on dining and groceries? Go Gold. Want more flexibility and a lower annual fee? Sapphire Preferred is solid at 60,000 points.

Bottom line: 90,000 points is excellent. Don’t wait for 100,000 - we may never see that as a public offer.