Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the American Express® Gold Card ($325/yr) and the OnePay CashRewards Card (no annual fee) comes down to where you spend most. Amex Gold Card needs about $1,085 a month in dining or groceries, counting that spending alone, to make up its $325 higher annual fee over OnePay CashRewards Card. Below that, OnePay CashRewards Card comes out ahead. Enter your monthly spending above to see which comes out ahead for you.
Strongest in dining at 4% (up to $50,000/yr). 4X points at restaurants worldwide, 4X on U.S. supermarkets, 3X on flights.
Perfect if: You spend enough in bonus categories to easily offset the annual fee.
Apply Now3% back at Walmart in store and online, 5% with Walmart+, and 1.5% on everything else. Earns a solid 1.5% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | American Express Gold Card | OnePay CashRewards Card |
|---|---|---|
| Annual Fee | $325 | $0 |
| Sign-Up Bonus | 100,000 points after $8,000 spend in 6 months | $35 after $0 spend in 1 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1% | 1.5% |
| Flights Rewards | 3% | 1.5% |
| Dining Rewards | 4% (up to $50,000/yr) | 1.5% |
| Groceries Rewards | 4% (up to $25,000/yr) | 1.5% |
| Rates with conditions not counted in the rows above |
5% on prepaid hotels through AmexTravel.com Earns 5% only on prepaid hotels booked through AmexTravel.com or the Amex Travel App, Amex's own booking site. Hotels booked direct earn 1%. |
5% at Walmart with Walmart+ Earns 5% at Walmart only with a paid Walmart+ membership. Without it the rate is 3%, which is what the ranking uses. |
| Key Benefits | 4X points at restaurants worldwide, 4X on U.S. supermarkets, 3X on flights. | 3% back at Walmart in store and online, 5% with Walmart+, and 1.5% on everything else. |
American Express Gold Card pulls ahead for travel, dining, groceries spending.
OnePay CashRewards Card wins on gas.
The $325/year fee difference means American Express Gold Card needs to earn about that much more in rewards to justify its cost.
American Express Gold Card carries $424/year in credits (mostly tied to specific merchants or bookings). Those only count if you’d actually use them. Worth checking against your own habits before treating them as a discount on the fee.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.