The ultimate sleeper card for moms
The last thing any Mom wants is something that requires more ‘work’ for them.
& I’ll be honest.. That’s why I ignored this card for the last couple years! All the credits felt like ‘work’ and I wasn’t sure I’d even have the bandwidth to get the full value out of the annual fee.
I finally jumped on an American Express Gold Card® with the current offer where you can earn as high as 100,000 points and I am SHOCKED at the earning potential this card has! I can't believe I waited so long.
I’m here to tell you exactly why you shouldn’t wait either.
The American Express Gold Card® offers a bonus as high as 100,000 points after $6,000 minimum spend within 6 months. This is already the first reason I think it should be a contender! Many people are nervous for cards with a $6,000 minimum spend within 90 days; but having 180 days is a game changer! This allows you to comfortably get the card and not worry you won’t be able to reach the minimum spend.
The bonus is as high as 100,000 points. The offer you actually receive will be seen when you apply for the card and I’ve seen it anywhere between 60,000 - 100,000 points. (The offer I got was actually 60k!) When the offer appears on screen, you have the option to accept or decline the offer.
If you accept the offer: You receive the card & bonus, and your credit report will be impacted
If you decline the offer: NO impact was made to your credit for the pull! This is my FAVORITE part about this bank!
Here’s where the strategy comes in! With a $325 annual fee, you want to make sure you’re taking advantage of all the perks this card has to offer (& there’s A LOT)!
After activating the card, I sat on the couch while my kids watched TV and within 30 mins I had everything set and I was actually surprised how simple it was.
$84 Dunkin Donuts credit: $7/month you get a dunkin credit! If you’re someone who stops for coffee there often, this is an easy one! For me, I don’t have one super close so what I did was download the Dunkin app, link my new Gold Card to the wallet, and added $7 to my Dunkin wallet. Voila! I’ll do this every month to ensure I use this perk. We often do donuts if there’s a big gathering, especially with kids, so now they’ll be free next time we go! (Enrollment is required for select benefits)
$100 Resy Credit: This is $50 from Jan-June & $50 from July - Dec. I enrolled in my AmEx app, downloaded the Resy app and immediately started looking at restaurants! I found an amazing steakhouse we will be trying out next date night. ;) Another great time to use this is when you’re on vacation. Enjoy a nice meal and an extra perk of $50 off the bill! Just pay with your Gold Card & American Express takes care of the $50 back on your statement (Enrollment is required for select benefits)
$120 Uber Cash: $10/month - Again, I added my Gold Card to my Uber wallet, super simple. This can also be used with UberEats, if you’re someone who maybe gets lunch delivered to the office - could be an easy way to use it! I like to think we’ll use this while traveling, or on nights when I’m exhausted and we order a pizza or something easy for dinner! (Enrollment is required for select benefits)
$120 Dining Credit: $10/month - This can be used at Grubhub, Cheesecake Factory, Goldbelly, wine.com & Five Guys! My plan is, once a month I stop in any of these spots and grab a $10 gift card (obvi, I’ll choose Cheesecake Factory). Then once or twice a year we can enjoy a totally free meal instead of just a free slice of cheesecake each month! Another option, keep these stashed in a drawer and use them for gifts for teachers and aids throughout the school year! (Enrollment is required for select benefits)
Again - I enrolled and added my card to all of these while the kids watched Spidey & His Amazing Friends. It was time I would’ve been scrolling my phone anyway!
I have an alarm set for once a month in my phone to remind me to load $7 to my Dunkin app & I have a day planned each month to stop by Cheesecake Factory and pick up my gift card!
AMERICAN EXPRESS GOLD CARD® EARNINGS
4X points at U.S. supermarkets, on up to $25,000 per calendar year. (ultimate flex for families!)
4X points at restaurants worldwide, plus takeout and delivery in the U.S., on up to $50,000 per calendar year. (& yes, 4x for those UberEats purchases)
3X points on flights booked directly with airlines or on AmexTravel.com
1x on all other purchases
These perks are HUGE & will give you so many little moments that feel like Christmas all throughout the year as you snag your free coffee and slice of cheesecake.
At the end of the day, the AmEx Gold® is truly the no-brainer card for moms. It takes the spending you’re already doing—groceries, family dinners out, even the occasional UberEats night—and turns it into a steady stream of points that can cover your next vacation. The credits are shockingly simple to use (if I can set them up in 30 minutes with kids running around, anyone can), and the points add up fast. If you’ve been waiting for a sign to grab this card, this is it—don’t leave free trips and perks on the table. Apply now and let this card start working for you while you get back to mom life.
What post should I do next?! A deep dive into the earning potential, or ways to use American Express Membership Rewards points?! Shoot me a message and let me know what you need help with! <3
