American Express® Gold Card vs Truist Enjoy Beyond
American Express® Gold Card earns more in 5 of the 7 categories we track. Truist Enjoy Beyond has the lower annual fee.
The basics
| Detail | American Express® Gold Card | Truist Enjoy Beyond |
|---|---|---|
| Annual fee | $325 | $95 |
| Card type | Personal | Personal |
| Rewards | Membership Rewards | Truist Points |
| Each point is worth | 1.70¢ | 1.00¢ |
| Everywhere else | 1x | 1x |
| Welcome bonus | Up to 100,000 points after $8,000 in 6 months (offers vary) | 30,000 bonus points after $1,500 in 90 days |
What each earns
| Category | American Express® Gold Card | Truist Enjoy Beyond |
|---|---|---|
| Card Travel Portals | 8.5% (higher) 5x | 1.0% 1x |
| Dining & Restaurants | 6.8% (higher) 4x, capped spending, up to $50,000 | 2.0% 2x |
| Groceries | 6.8% (higher) 4x, capped spending, up to $25,000 | 1.0% 1x |
| Airfare | 5.1% (higher) 3x | 3.0% 3x |
| Hotels & Lodging | 1.7% 1x | 3.0% (higher) 3x |
| Car Rentals | 1.7% 1x | 3.0% (higher) 3x |
| Everything else | 1.7% (higher) 1x | 1.0% 1x |
Returns are the points per dollar times what a point is worth, using your smart setting. Caps and rotating categories change what you actually earn. How we value rewards
The better question is which one adds more to the cards you already have.
Ask the advisor