American Express Gold 

$120 Uber Credit — Very easy to use for most people

• • Get $10 of Uber Cash every month towards Uber and Uber Eats (Food Delivery or Pickup)

  • Automatically deposited into your Uber account each calendar month

  • Uber Cash expires at the end of the month if unused and is difficult to use internationally

$120 Dining Credit — Annoying to use for most people

• • Get up to $10 back at select Dining Partners every month

  • Works at Grubhub, Shake Shack, Wine.com, Milk Bar, The Cheesecake Factory, and Gold Belly

  • Most popular option is picking up food from a restaurant with Grubhub

Other Benefits: No Foreign Transaction Fees / Car Rental & Bag Insurance / The Hotel Collection Access

Is the AMEX Gold Card Worth it?

Does the Gold Card make up for its $250 Annual Fee?
Uber Credit: Actually worth $120 
There is a hefty $250 annual fee for each 12 months you have the card. However, the $120 Uber credit
is easy to use; just one Uber ride or Uber Eats pickup/delivery should use the full $10 Uber Cash monthly. 

Dining Credit: Actually worth $60 
The $10 monthly dining credit is a nuisance for most people. The best option is to pick up food via Grubhub
once a month. Because this is easy to forget some months, I only value this credit at half: $60 instead of $120. 

So, I make back $180 of the $250 annual fee in credits [$120 Uber + $60 Grubhub], leaving $70 to justify. But, the biggest draw of the AMEX Gold Card is the 4x AMEX Points bonus on dining and groceries.

Thus, if you aren't a big food spender, there are better options than the AMEX Gold.

Alternative Options:
If you spend less than $200 on groceries and food weekly, consider one of these pairs instead:
➡️ CapitalOne's SavorOne [3% on Groceries & Dining] AND VentureX [Makes SavorOne worth ~50% more]

➡️ Bilt Mastercard: [3x Bilt Points on Dining] AND Citi Custom Cash [5% on groceries up to $25 back/month]

The AMEX Gold is a solid option as a 3rd card (or later), as it's of medium-high difficulty to get approved for.