A complete guide to the Amex Gold dining credit
Editor's Note
The American Express® Gold Card comes with plenty of perks, including 4 points per dollar on dining and purchases at U.S. supermarkets and up to $10 each month in Uber Cash for rides and Uber Eats orders in the U.S. Earning bonus points on dining and U.S. supermarkets is capped at $50,000 annually and $25,000 annually (respectively), and you receive 1 point per dollar after reaching those caps.
But in addition to other great perks on the card, one may not be on your radar: the monthly dining credits. American Express refreshed the Amex Gold in July 2024, adding two statement credits for foodies.
The Amex Gold gives cardmembers up to $120 per calendar year in statement credits — up to $10 per month — for dining purchases from select merchants.
Cardmembers can also receive up to $100 every calendar year in statement credits for purchases at Resy-affiliated restaurants in the U.S. (given in biannual increments of $50). Finally, they can receive up to $84 per calendar year in statement credits for U.S. Dunkin' Donuts purchases (up to $7 per month).
While you need to enroll your card for these benefits, it's a great way to save money every month. In fact, maximizing these three perks almost entirely covers the card's $325 annual fee (see rates and fees). Terms apply.
Read on to find out how to use the Amex Gold dining credits.
Eligible Amex Gold dining merchants
You can use your Amex Gold monthly dining credits at the following merchants:
- Five Guys
- Goldbelly
- Grubhub
- The Cheesecake Factory
- Wine.com
After you enroll and use your Amex Gold card at any of these merchants, you'll automatically receive a statement credit of up to $10 each month (up to $120 each calendar year). Terms apply.
Because you're purchasing directly from the merchant, you can also stack this benefit with applicable Amex Offers or bonuses through online shopping portals.
Related: Why I love my Amex Gold card — and will keep it for years to come
How to use the Resy and Dunkin' Donuts statement credits
The Resy and Dunkin' Donuts credits are easy to use. To receive a statement credit for Resy, you just need to make a purchase at a Resy-affiliated restaurant in the U.S.. No reservation is required.
Keep in mind that this credit is given biannually in increments of $50. It's important to time your purchases well to take full advantage of this benefit. Keep an eye on your statement to ensure the credit posts correctly.
TPG contributing editor for credit cards Matt Moffitt has used his credit at two Resy-affiliated restaurants in Austin, Texas, and had differing experiences.
The first time, the credit didn't post correctly. He thinks that's because the restaurant was part of a boutique hotel, and the restaurant charge was coded under the hotel name, not the restaurant name. He waited the obligatory eight weeks to see if it would post automatically; it didn't, so he used the online chat function in his Amex account to request a manual credit, which was granted.
The second time, he made a purchase at a stand-alone restaurant, and he received the credit automatically after five days.
For the Dunkin' Donuts credit, making any purchase at a U.S. Dunkin' Donuts location will net you up to $7 in statement credits each month (up to $84 each calendar year). If you're a frequent coffee drinker, getting the full value from this credit should be easy.
Make sure to double-check whether Dunkin' Donuts is in your area before factoring those statement credits into the effective cost of the Amex Gold for you. If you don't have a location nearby, you can trigger the credit by reloading your balance through the Dunkin' mobile app.
Enrollment is required for these benefits, and terms apply.
Related: How to maximize Amex Gold credits when traveling abroad
How to enroll for the Amex Gold dining credits
You can't receive monthly dining credits on the Amex Gold without enrolling in the benefits first. So, how do you enroll? Let's use the up to $120 dining credit as an example.
If you're using the American Express mobile app, choose the "Membership" icon at the bottom of your homepage and then tap "Explore All Card Benefits" to see a full list of perks — some of which require enrollment.
From there, find the "$120 Dining Credit" and check whether you're already enrolled.
If not, tap on it, and you'll be taken to a page that allows you to complete enrollment.
If you're using a computer, log in to your American Express account and navigate to your Amex Gold card. Click on "Rewards and Benefits," then click on "Benefits" on the right side of the page (inside of the blue menu bar at the top).
From there, you should see the option to enroll in the up to $120 dining credit (or an indication that you've enrolled already). Rinse and repeat these steps for the other two dining benefits.
A benefits tracker also shows how much of your credit you've used so far this month and through the year, resetting on Jan. 1 each year.Note that you only need to complete enrollment once; you don't need to do it every month. Once your card is registered, you can use the benefits every month.
Related: Amex Gold checklist: 5 things to do when you get the card
Important reminders
Aside from the requirement to enroll your card to receive the monthly statement credits, there are a few additional caveats for the Amex Gold dining credits.
First, the dining credit is different from the Uber benefit on the card. When you add your Amex Gold to your account, you'll receive up to $10 in Uber Cash every month (up to $120 each calendar year). This Uber Cash is valid for Uber Eats orders and Uber rides in the U.S. An Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit. Terms apply.
While you can use your Uber Cash at any restaurant available through the Uber Eats app, you can use the dining credit only at the merchants mentioned above. However, Grubhub has a wide variety of dining spots — and you might even find a new favorite in the process.
As long as you enroll in advance and use your card at an approved merchant, you should receive a statement credit within a few days.
There are two other things you should know, as well.
First, purchases by authorized users will trigger these perks. Authorized users don't get their own separate credits each month, so make sure to coordinate with your authorized users when using these benefits.
Second, the up to $120 dining credit cannot be used to purchase gift cards or merchandise.
Related: When you should (or shouldn't) use the Amex Gold Card
Bottom line
The Amex Gold offers three dining credits to help offset its steep $325 annual fee. If you're considering this card or deciding whether to keep it, these benefits may help you decide if it's right for you.
Ensure you can consistently use these statement credits before including them in the projected value you'll get from the card.
To learn more, read our full review of the Amex Gold.
Apply here: American Express Gold Card
For rates and fees of the Amex Gold card, click here.
TPG featured card
Rewards
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits.Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Rewards Rate
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Excellent to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits.Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.