Name: American Express® Gold Card
Brand: American Express

Many rewards cards come with a list of monthly benefits that help offset annual fees. Whether you have two credit cards or 12, it may feel overwhelming to keep track of them all.

If you want to ensure you're getting the most out of your cards' monthly benefits, you're in the right place. Here, we've compiled a checklist of every card perk you may be eligible for this month.

This is what you need to keep in mind for October.

American Express

Many American Express cards award statement credits monthly. These statement credits are "use it or lose it" benefits, so if you don't redeem them each month, you'll lose out on that value. These statement credits will not roll over.

It’s also important to note that these values are described as "up to" amounts, meaning this is the maximum you will receive in statement credits. If you spend less than this amount, you will be reimbursed only for that lower amount.

American Express Platinum Card

There are multiple monthly statement credits you won't want to forget on the American Express Platinum Card®. These benefits and statement credits can help offset the card’s $895 annual fee (see rates and fees).

Up to $25 digital entertainment monthly statement credit: This can be used for Disney+, Disney+ Bundle, ESPN, Hulu, Paramount+, Peacock, The New York Times, The Wall Street Journal, YouTube Premium and YouTube TV.
Up to $15 in Uber Cash monthly (additional up to $20 in December): This can be used for Uber rides or Uber Eats orders in the U.S. Add your card to your Uber account as a payment method and then redeem with any Amex card.
Up to $12.95 monthly statement credit for a Walmart+ monthly membership: Pay with your Amex Platinum, then receive reimbursement in statement credits for one membership fee per month. (Subject to auto-renewal. Plus Up Benefits are not eligible.)
Up to $9.99 monthly statement credit for Uber One: Receive a monthly Uber One statement credit that fully covers an auto-renewing $9.99 monthly membership.

Enrollment is required for select benefits.

To learn more, read our full review of the Amex Platinum.

Man and woman looking at a laptop — MORSA IMAGES/GETTY IMAGES

The Business Platinum Card from American Express

The Business Platinum Card® from American Express has one monthly statement credit.

Up to $10 monthly wireless statement credit: Pay for an eligible U.S. mobile service provider and receive a statement credit of up to $10 each month.

Enrollment is required.

To learn more, read our full review of the Amex Business Platinum.

American Express Gold Card

Use the following benefits to help offset the American Express® Gold Card's $325 annual fee (see ):

Up to $10 Uber Cash monthly: Like the perk on the Amex Platinum, this applies to Uber rides and Uber Eats orders in the U.S. Add your Amex Gold to your Uber account as a payment method to receive this benefit, and note that it can stack with the monthly credit on the Amex Platinum if you have both cards. Uber Cash will only be deposited into one Uber account when you add the Amex Gold as a payment method to use and redeem with any Amex card.
Up to $10 monthly dining statement credit: Use your card to pay at Five Guys, Grubhub, The Cheesecake Factory, Buffalo Wild Wings and Wonder to receive up to $10 in monthly statement credits.
Up to $7 monthly Dunkin’ Donuts statement credit: Cardmembers receive up to $7 in monthly statement credits to be used at Dunkin’ Donuts locations within the U.S. This credit can also be used to load your mobile Dunkin’ Donuts account.

Enrollment is required for select benefits.

To learn more, read our full review of the Amex Gold.

Buffalo Wild Wings Corner Entrance — KEN WIEDEMANN/GETTY IMAGES

American Express Business Gold Card

The American Express® Business Gold Card provides a pair of statement credits that could be useful for business owners.

Up to $20 flexible business statement credit monthly: Cardmembers can earn up to $20 in statement credits per month on eligible U.S. purchases with Grubhub, office supply stores and shipments at UPS.com.
Up to $12.95 statement credit for a Walmart+ monthly membership: Pay with your Amex Business Gold, then receive reimbursement in statement credits for one membership fee per month. (Subject to auto-renewal. Plus Up Benefits are not eligible.)

Enrollment is required.

To learn more, read our full review of the Amex Business Gold.

Delta Reserve and Delta Reserve Business

The Delta SkyMiles® Reserve American Express Card and Delta SkyMiles® Reserve Business American Express Card each provide a pair of monthly statement credits.

Up to $20 in monthly statement credits with Resy: You’ll receive a monthly statement credit for eligible U.S. restaurants on the Resy platform.
Up to $10 in monthly ride-hailing statement credits: You’ll receive up to $10 in monthly statement credits (up to $120 annually) for U.S. ride-hailing services, including Alto, Curb, Lyft or Uber.

Enrollment is required.

To learn more, read our full reviews of the Delta Reserve and the Delta Reserve Business.

Directly above view of hands toasting glass of fresh cocktails while celebrating at restaurant — MASKOT/GETTY IMAGES

Delta Platinum and Delta Platinum Business

You'll also receive statement credits on the Delta SkyMiles® Platinum American Express Card and Delta SkyMiles® Platinum Business American Express Card. These are similar to the statement credits on the Delta Reserve cards, but the Resy credit provides slightly less value.

Up to $10 in monthly statement credits with Resy: You’ll receive a monthly statement credit for eligible U.S. restaurants on the Resy platform.
Up to $10 in monthly ride-hailing statement credits: You’ll receive up to $10 in monthly statement credits (up to $120 per calendar year) for U.S. ride-hailing services, including Alto, Curb, Lyft or Uber.

Enrollment is required.

To learn more, read our full reviews of the Delta Platinum and the Delta Platinum Business.

Delta Gold and Delta Gold Business

The Delta SkyMiles® Gold American Express Card and Delta SkyMiles® Gold Business American Express Card come with one monthly statement credit, issued after your first card renewal ($0 introductory annual fee for the first year, then $150; see for the Delta Gold; see for the Delta Gold Business).

Up to $10 in monthly ride-hailing statement credits: You’ll receive up to $10 in monthly statement credits (up to $120 per calendar year) for U.S. ride-hailing services, including Alto, Curb, Lyft or Uber.

Enrollment is required.

To learn more, read our full reviews of the Delta Gold and the Delta Gold Business.

Uber pickup area at Midway Airport — SCOTT OLSON/GETTY IMAGES

Marriott Bonvoy Brilliant American Express Card

The premium Marriott Bonvoy Brilliant® American Express® Card offers one easy-to-redeem monthly statement credit with significant annual value.

Up to $25 in monthly dining statement credits: With this card, you'll receive up to $25 in monthly dining statement credits at restaurants worldwide. You don’t need to enroll for this benefit in advance. Just use your card at an eligible restaurant, and you should receive the statement credit within a few days.

To learn more, read our full review of the Marriott Bonvoy Brilliant.

Barclays

Barclays offers one cobranded card with a monthly statement credit.

Wyndham Rewards Earner Premier Card

The Wyndham Rewards Earner® Premier Card is a premium option for Wyndham loyalists.

Up to $10 in monthly meal delivery service credits: Cardholders receive $10 each month for purchases made with meal delivery services. This credit does not cover delivery from restaurants directly or recipe kits.

To learn more, read our news article about the Wyndham Rewards Earner Premier.

The information for the Wyndham Rewards Earner Premier has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Chase

Select Chase credit cards offer perks on a monthly basis, so each new month brings a fresh batch of credits to use.

Chase Sapphire Reserve and Chase Sapphire Reserve for Business

The premium personal Chase Ultimate Rewards card, Chase Sapphire Reserve® (see ), and its business counterpart, the Chase Sapphire Reserve for Business℠ (see ) each provide a few monthly statement credits.

Note that both cards also provide a complimentary DoorDash DashPass membership (the personal card through Dec. 31, 2029, and the business card through Dec. 31, 2027; activation required).

The personal Sapphire Reserve also offers up to $35 in monthly DoorDash credits: With an activated DashPass membership, cardholders receive a $15 monthly promo that can be used on any qualifying DoorDash order, plus two separate $10 promos for eligible non-restaurant orders, such as groceries, convenience items and retail purchases (alcohol orders may be exempt; available through Dec. 31, 2029; activation required).
The Sapphire Reserve for Business, meanwhile, offers up to $25 in monthly DoorDash value: With an activated DashPass membership, cardholders receive up to $5 off one eligible restaurant order each month, plus two separate $10 promos for eligible non-restaurant orders (alcohol orders may be exempt; available through Dec. 31, 2027; activation required).
Both cards offer up to $10 in monthly Lyft credits: Cardholders receive a $10 ride credit every month, for a total of $120 in credits each year. These credits do not roll over month to month, so it’s important to use yours before the end of the month. (This benefit runs through Sept. 30, 2027; does not apply to Wait & Save, bike or scooter rides.)

To learn more, read our full reviews of the Sapphire Reserve and the Sapphire Reserve for Business.

Chase Sapphire Preferred Card

The Chase Sapphire Preferred Card also provides a complimentary DashPass membership (through Dec. 31, 2029; activation required) that pairs nicely with its one monthly statement credit.

Up to $10 in monthly DoorDash non-restaurant credits: Cardholders with an activated Sapphire Preferred DashPass membership receive one promo of $10 off each calendar month at checkout on one convenience, grocery or other non-restaurant order on DoorDash (alcohol orders may be exempt; through Dec. 31, 2029).

To learn more, read our full review of the Sapphire Preferred.

United Club and United Club Business

The United Club℠ Card (see ) and United Club℠ Business Card provide a set of useful statement credits issued monthly.

Up to $20 in monthly Instacart credits: Cardholders receive two $10 monthly Instacart credits, plus a complimentary Instacart+ membership. (All benefits end Dec. 31, 2027. Enrollment is required.)
Up to $12 in monthly ride-hailing credits: Up to $12 each month from January to November and up to $18 total in December for eligible ride-hailing purchases. That means this credit will be more flexible for your business than the ride-hailing credits offered by other issuers. (Yearly activation required.)

To learn more, read our full reviews of the United Club and the United Club Business.

The information for the United Club Business has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Someone making a grocery order — INSTACART/FACEBOOK

United Quest

If you have the United Quest℠ Card (see ), you also have access to monthly statement credits.

Up to $15 in monthly Instacart credits: Cardholders receive one $10 and one $5 monthly Instacart credit for purchases made directly through Instacart. (Benefit ends Dec. 31, 2027. Enrollment is required.)
Up to $8 in monthly ride-hailing credits (additional $4 in December): Up to $8 each month from January to November and up to $12 total in December for eligible ride-hailing purchases. (Yearly activation required.)

To learn more, read our full review of the United Quest.

United Business

The United℠ Business Card (see ) provides similar credits to the personal cards, but the value differs.

Up to $10 in monthly Instacart credits: Cardholders receive one $10 monthly Instacart credit for purchases made directly through Instacart. You'll also receive a complimentary Instacart+ membership for three months, then a 25% discount toward an annual plan.
All benefits end Dec. 31, 2027. Enrollment is required.
Up to $8 in monthly ride-hailing credits (additional $4 in December): Up to $8 each month from January to November and up to $12 total in December for eligible ride-hailing purchases. (Yearly activation required.)

To learn more, read our full review of the United Business.

Drone view of American car driving in a straight road at the California desert. — ARTUR DEBAT/GETTY IMAGES

United Explorer

The United℠ Explorer Card (see ) provides its own version of these United statement credits, albeit a lower annual amount.

Up to $10 in monthly Instacart credits: Cardholders receive one $10 monthly Instacart credit for purchases made directly through Instacart. (Benefit ends Dec. 31, 2027. Enrollment is required.)
Up to $5 in monthly ride-hailing credits: Up to $5 each month for eligible ride-hailing purchases. (Yearly activation required.)

To learn more, read our full review of the United Explorer.

Citi

One Citi card has a pair of monthly statement credits to maximize.

Citi / AAdvantage Executive World Legend Mastercard

The Citi® / AAdvantage® Executive World Legend Mastercard® (see ) has several benefits, including the following monthly credits:

Up to $15 in monthly Lyft credit after three rides: Use your card as the payment method in your account and get a monthly $15 Lyft credit after taking three eligible rides in a calendar month.
Up to $10 in monthly statement credit on Grubhub purchases: When you use your card for Grubhub purchases, you’ll receive up to $10 in monthly statement credits. (Note: This benefit is no longer available to new cardmembers. Existing cardmembers who applied prior to Aug. 23, 2026 will receive the Grubhub benefit through Aug. 31, 2027.)

To learn more, read our full review of the AAdvantage Executive World Legend Mastercard.

Bottom line

If maximizing value is your top priority, you'll definitely want to consider which credits are offered monthly and which are received biannually, quarterly or annually (either each calendar year or cardholder anniversary).

Save this article to reference in the future. That way, you'll remember what you need to do at the start of each month.

For rates and fees of the Amex Platinum, click .
For rates and fees of the Amex Gold, click .
For rates and fees of the Delta SkyMiles Gold, click .
For rates and fees of the Delta SkyMiles Gold Business, click .

TPG featured card

American Express® Gold Card

TPG editor's rating

Pros + cons

Pros

Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)

Cons

Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits

More details

You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 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 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.

Pros

Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)

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 $8,000 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 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.

Many rewards cards come with a list of monthly benefits that help offset annual fees. Whether you have two credit cards or 12, it may feel overwhelming to keep track of them all.

If you want to ensure you're getting the most out of your cards' monthly benefits, you're in the right place. Here, we've compiled a checklist of every card perk you may be eligible for this month.

This is what you need to keep in mind for October.