American Express Gold

Annual Fee: $375

Earn 60-100,000 Membership Rewards points after you spend $6,000 on eligible purchases with your new card within the first 6 months.

Our thoughts: The Amex Gold card is essential in our wallet, with some of the best spend multipliers on the market. The annual fee is high for not being a premium card, but we consistently offset it with the monthly Uber and dining credits. American Express also has great transfer partners.

How to earn points:

4x Dining

4x U.S. Supermarkets up to $25,000 per calendar year

3x Flights booked directly with airlines or on amextravel.com

1x Unlimited on all other purchases.

Notable Notable rebates and perks:

$120 Restaurant Dining Credit ($10 statement credit monthly for Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and Shake Shack)

$120 Uber Cash ($10 each month added to your Uber account)

$100 per year in statement credits for purchases at Resy-affiliated restaurants in the U.S.

$84 per year in statement credits for U.S. Dunkin' Donuts purchases