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The American Express Gold Agenda has been as dependable as it is agleam aback it debuted in 1996. But alike the top rewards cards charge an amend now and then—and this reboot of the AmEx Gold delivers allowances that foodies and travelers will love.

As of October 4, the Gold Agenda is alms a appetizing signup bonus: Cardholders will acquire 25,000 Membership Rewards credibility aback they absorb $2,000 on the agenda in the aboriginal three months afterwards aperture an account. And until January 9, 2019, new Gold Agenda associates can get 20 percent aback as a account acclaim of up to $100 for spending at U.S. restaurants in the aboriginal three months. In added words, if you absorb $500 on sushi and steaks in the aing three months, you get $100 for free. That’s at atomic addition filet mignon or two.

More importantly, the adapt gives the Gold Agenda some of the accomplished rewards in dining, groceries, and biking of any agenda on the market. It earns:

The key actuality is how abundant you’ll acquire on accustomed spending; for abounding people, those advantage and commons out add up. Agenda users additionally get a $10 account dining acclaim that’s accurate on GrubHub/Seamless, and at The Cheesecake Factory, Ruth’s Chris Steak House, or accommodating Shake Shack locations. That’s $120 anniversary year, aloof for affairs burgers.

Additionally, cardholders get a $100 airline acclaim anniversary year on the U.S. airline of their choice, which includes all the better calm carriers. That’s accurate on purchases like accoutrements fees, aliment and alcohol purchases, or airport lounge passes. In total, that’s up to $220 in credits anniversary year. The Gold Agenda has an anniversary fee of $250—which isn’t waived the aboriginal year—but if you booty advantage of all the credits in the aboriginal year, you’re absolutely up $70.

All these changes accomplish the Gold Agenda assemblage up able-bodied adjoin the best biking rewards cards on the market. The Chase Sapphire Reserve, for example, earns three credibility per dollar on dining and travel. While you can acquire added on taxis and added busline on the Sapphire Reserve, it’s a ablution on airfare, and you’ll acquire added credibility on commons out and advantage on the Gold Card. Plus, the Sapphire Reserve has an anniversary fee of $450 (with a $300 biking credit). In effect, the Gold Agenda costs bisected as abundant out of pocket, and has aloof as abundant earning power—and again some.

A few no-annual fee cards acquire four credibility per dollar on dining out, too, like the Uber Visa and the Capital One Savor Card, but the American Express Gold Agenda wins out because of the ability of Amex’s Membership Rewards points. In added programs, credibility are adored at one cent per point for account credits; acquire 10,000 points, redeem for $100. But with Membership Rewards, you can alteration credibility to added than a dozen airline partners, including Delta, British Airways, and JetBlue, or auberge partners, including Marriott/Starwood.

Those biking ally action way added admired redemptions; for example, 85,000 credibility is abundant to fly round-trip amid the U.S. and Japan in business chic on All Nippon Airways. On British Airways, a round-trip abridgement flight amid Boston and Dublin is aloof 26,000. Suffice to say: There are a agglomeration of candied spots, and adjustable credibility makes the Gold Agenda an accessible way to banknote in on money you already spend.

Most of the time, aback acclaim agenda companies and airlines accomplish changes to an absolute card, it’s worse for the consumer. But the active benefit categories and credits on the American Express Gold Agenda accomplish it a abundant best for travelers, and abnormally for foodies, whether you banquet out or baker at home. Plus, it consistently aloof feels nice to accept a metal agenda aback you swipe—and through January 9, you can alike get it in the oh-so-millennial Rose Gold.

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