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We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free – so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you.
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If you’re a bonafide foodie with a penchant for travel, you’ve probably already figured out that keeping up with these hobbies can be quite expensive. If you can find a rewards credit card that allows you to earn and redeem rewards for these spending categories, it’s almost akin to striking gold.
Speaking of gold, the American Express® Gold Card is a great credit card option for this exact reason. With this card, you can earn rewards on dining, groceries and travel while taking advantage of boosted rewards redemption for travel spend through the Amex Travel portal.
If you’re considering nabbing the Amex Gold Card, here’s what you should know about the features and benefits that are great for the traveling foodie in you.
The first benefit that pops out with the Amex Gold is the 60,000-point welcome bonus you’ll get after spending $4,000 in the first six months of getting the card. These points could be worth up to $1,200 toward travel in the Amex travel portal (based on monthly valuations from The Points Guy). However, be sure to double-check your redemption value with Amex’s rewards calculator, just to be sure.
As noted above, the rewards structure is particularly generous for foodies: You’ll earn 4X Membership Rewards points at restaurants, including on takeout and delivery in the U.S. and on Uber Eats purchases, plus 4X points at U.S. supermarkets (on up to $25,000 in purchases per year, then 1X points).
Then, not only can you earn 3X points on flights booked directly with airlines or via American Express Travel and 2X points on rental cars through Amex Travel, but you can get higher redemption values when booking through the portal, too.
We already covered the higher redemption value by booking travel, which gives you the best value. But there are other redemption options to consider, like statement credits, gift cards, paying with points at checkout with select merchants and prepaid rental cars booked through Amex Travel. However, you should know that these redemption options will be significantly less valuable.
Here, you can see exactly why this card makes sense for traveling foodies. Along with the rewards structure, the annual credits focused on travel and dining are very attractive for someone with a hefty grocery and dining budget.
This card also makes sense for travelers due to the rewards structure and hotel credit, along with additional travel and shopping protections. These include:
Plus, there are no foreign transaction fees, making it more than worth it to take this card overseas. If you plan to earn rewards with travel, the Amex Gold is a great international travel companion to maximize your earnings on travel spend outside of the United States.
Although this card works well for people who tend to spend a lot on groceries, dining and travel, it’s not for everyone. For one, there’s a $250 annual fee (which is not a bad deal for almost $350 in credits, plus the generous rewards structure and welcome bonus). However, if you won’t use this card often, don’t plan on using the credits or won’t redeem rewards strategically for travel, this could be a costly card to hold from year to year.
If the $250 annual fee is too much, you might consider a card in Capital One’s lineup of foodie-focused credit cards. The Capital One SavorOne Cash Rewards Credit Card has no annual fee and gets you 3 percent cash back on dining, entertainment, popular streaming services and grocery store purchases (excluding superstores like Walmart and Target), 8 percent back on purchases from Vivid Seats (until January 2023) and 1 percent back on everything else.
However, there aren’t many benefits for travel spending aside from the fact that the card has no foreign transaction fees.
If you’re more interested in a travel credit card with no annual fee, you could go for the Capital One VentureOne Rewards Credit Card. With this card, you’ll get 5X miles on hotels and rental cars booked through Capital One Travel, plus an unlimited 1.25X miles on all other purchases. You can redeem rewards for general travel through Capital One’s travel portal, with some opportunities to get a boosted redemption rate with eligible Capital One travel partners, as well.
However, to combine your rewards on travel, dining and groceries, the Chase Sapphire Preferred® Card offers a similar rewards structure to the Amex Gold, but with a nominal $95 annual fee. The Sapphire Preferred offers 3X points on dining (including eligible delivery services), select streaming services and online grocery purchases (excluding Walmart, Target and wholesale clubs), 5X points on travel through Chase Ultimate Rewards, 2X points on general travel and 1X points on all other purchases.
The Amex Gold offers slightly elevated rewards for these categories, but we still consider the Sapphire Preferred a respectable option for those who aren’t ready for a $250 annual fee.
The Amex Gold is a great card for those who enjoy dining out or cooking at home with groceries, but it only makes sense if you’re prepared to take advantage of strategic travel redemptions and conscientiously use those credits.
To see if you qualify for the Amex Gold or a similar card, consider checking out CardMatch to find credit card offers that match your credit profile. If you’re approved for the Amex Gold and don’t end up getting as much value as you’d like, you can always cancel or downgrade your American Express card in just a few steps.
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