The Amex Gold Card can easily pay you back more than its $325 annual fee, but only if you know how to use it. I put everything into one guide: how you earn points, all four credits and how to never waste them, the travel perks most people forget, and my favorite tips for getting more out of every dollar.

What’s inside
- How you earn 4X on dining and groceries, plus the new 5X on prepaid hotels
- All four credits (up to $424 a year) and exactly how to use each one
- My Dunkin’ hack, and how your Dunkin’ balance can also work at participating Baskin-Robbins locations
- How to connect Rakuten so you earn Amex points every time you shop online
- The Hotel Collection, Hertz status, travel protections, and every transfer partner
- My take on who should get the card, plus a monthly checklist
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