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Now with new merchants — complete guide to the Amex Gold dining credit

June 02, 2022
6 min read
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There are plenty of perks that come with the American Express® Gold Card, including bonus points on dining and grocery purchases along with monthly Uber Cash for rides and Uber Eats orders in the U.S. There’s even an option to get a rose gold version of the card.

But in addition to these great benefits, there’s one more that may be under your radar: the monthly dining credit.

The Amex Gold gives cardholders up to $120 per year in statement credits — up to $10 per month — for dining purchases, valid at select merchants. While you do need to enroll your card to use this benefit, it’s a great way to save money every month. In fact, maximizing this perk would cover nearly half of the card’s $250 annual fee (see rates and fees).

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And you now have three new merchants at which to use these credits: Milk Bar, Goldbelly and Wine.com. Meanwhile, two previously eligible brands — Boxed and Ruth's Chris Steak House — are no longer participating in the program.

Read on for the complete guide on how to use the Amex Gold dining credit.

Eligible merchants for the Amex Gold dining credit

The first thing you should know about the Amex Gold dining credit is which merchants are still eligible, as some have now been removed. Here is the current list of participating locations from which you can receive $10 in statement credits each month:

  • Grubhub.
  • The Cheesecake Factory.
  • Participating Shake Shack locations (excludes stadiums, airports and racetracks).
  • New: Wine.com.
  • New: Goldbelly.
  • New: Milk Bar.

After you enroll and then use your Amex Gold card at any one of these merchants, you’ll automatically receive a statement credit of up to $10 each month.

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Related: I tried the Amex Gold dining credit at all 6 participating merchants: Here’s how to maximize it

In addition, because you’re purchasing directly from the merchant, you should be able to stack any applicable Amex Offers or bonuses through online shopping portals.

As an example, TPG's director of content Nick Ewen's Amex Gold card currently has an offer for $5 back on a purchase of $25 or more at Milk Bar (one of the new eligible merchants). This will stack with the dining credit, so if you place a $30 order before the Amex Offer expires, you could get a total of $15 back in statement credits.

(Screenshot by Nick Ewen/The Points Guy)

However, you’ll need to enroll your card in the benefit before shopping in order to trigger the credit.

Read more: American Express Gold Card review

How to enroll in the Amex Gold dining credit

There are two ways to enroll your Amex Gold to receive the dining credit: online or through the mobile app on your smart device.

From the app, you’ll 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 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 using a desktop or laptop computer, log in to your American Express account and navigate to your Amex Gold. Click on "Rewards and Benefits," then click on "Benefits" on the right side of the page (inside of the blue menu bar).

From there, you should see the option to enroll in the $120 dining credit.

Note that you only need to complete enrollment once — you don’t need to do it on a monthly basis. Once your card is registered, you’ll be able to use the dining credit in the current month and all subsequent months moving forward.

Related: Amex Gold checklist: 4 things to do when you first get the card

Important reminders

Aside from the requirement to enroll your card in order to receive the monthly statement credit, there are a few additional caveats for the Amex Gold dining credit.

First, the dining credit is different from the Uber benefit on the card. When you add your Amex Gold Card to your Uber and/or Uber Eats account, you’ll receive $10 in Uber Cash every month, valid for Uber Eats orders as well as Uber rides in the U.S.

While you can use your Uber Cash at any restaurant available through the Uber Eats app, you can only use the dining credit at the select merchants mentioned above. However, having Grubhub as an eligible brand opens up a wide variety of dining spots — and you might even find a new favorite in the process.

Additionally, you must enroll your card either online or through the app before making your purchase in order to receive the credit. And the credit should post to your account within a few days — though the terms and conditions indicate that it could take two to four weeks to arrive.

While you’re limited to a total of $120 in credits per year on the account as the primary cardholder, purchases by authorized users will trigger this perk (up to the $10 monthly limit).

And lastly, the dining credit cannot be used toward the purchase of gift cards or merchandise.

Related: What credit card should you use to purchase gift cards?

Bottom line

You can earn $120 annually in statement credits at select food merchants through the dining credit on your American Express Gold Card. Enrollment is required but can be done in a few simple steps from either a computer or the app on your smart device.

This allows you to earn up to $10 per month when spending at select merchants, including new additions Wine.com, Goldbelly and Milk Bar.

Whether you’re a new Amex Gold cardmember or have held the card for years, make sure you enroll for this dining credit — and then start enjoying up to $10 back every month.

For rates and fees of the Amex Gold card, click here.

Featured image by (Photo by The Points Guy)
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
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Rewards

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5XEarn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
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Earn 80,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership.

Annual Fee

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Recommended Credit

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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.

Why We Chose It

Sometimes it's worth a large investment to reap the benefits of a great credit card. That's exactly the case with the Amex Platinum card. In exchange for the annual fee, you'll unlock access to the Amex Membership Rewards program that let you access airline and hotel transfer partners, along with new lifestyle and travel credits. This card is also incredibly rewarding for travel purchases, helping you rack up a ton of Membership Rewards points for your next award trip.

Pros

  • The current welcome offer on this card is quite lucrative. TPG values it at $1,600.
  • This card comes with a long list of benefits, including access to Centurion Lounges, complimentary elite status with Hilton and Marriott, at least $500 in assorted annual statement credits and so much more. (Enrollment required for select benefits.)
  • The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway.

Cons

  • The high annual fee is only worth it if you’re taking full advantage of the card’s benefits. Seldom travelers may not get enough value to warrant the cost.
  • Outside of the current welcome bonus, you’re only earning higher rewards on specific airfare and hotel purchases, so it’s not a great card for other spending categories.
  • The annual airline fee statement credit can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards.
  • Earn 80,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card®.
  • $240 Digital Entertainment Credit: Get up to $20 back each month on eligible purchases made with your Platinum Card® on one or more of the following: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax. Plus Ups are excluded.
  • American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. There are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
  • Get up to $300 back per calendar year on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card. Enrollment required. Learn more.
  • Breeze through security with CLEAR® lanes available at 100+ airports, stadiums, and entertainment venues and get up to $189 back per calendar year on your membership when you use your Card. Learn more.
  • $695 annual fee.
  • Terms Apply.
  • See Rates & Fees
Apply for The Platinum Card® from American Express
at American Express's secure site
Terms & restrictions apply. See rates & fees
Best luxury travel rewards card
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards Rate

5XEarn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
5XEarn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • Intro Offer
    Earn 80,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership.

    Earn 80,000 Points
  • Annual Fee

    $695
  • Recommended 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.

    670-850
    Excellent/Good

Why We Chose It

Sometimes it's worth a large investment to reap the benefits of a great credit card. That's exactly the case with the Amex Platinum card. In exchange for the annual fee, you'll unlock access to the Amex Membership Rewards program that let you access airline and hotel transfer partners, along with new lifestyle and travel credits. This card is also incredibly rewarding for travel purchases, helping you rack up a ton of Membership Rewards points for your next award trip.

Pros

  • The current welcome offer on this card is quite lucrative. TPG values it at $1,600.
  • This card comes with a long list of benefits, including access to Centurion Lounges, complimentary elite status with Hilton and Marriott, at least $500 in assorted annual statement credits and so much more. (Enrollment required for select benefits.)
  • The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway.

Cons

  • The high annual fee is only worth it if you’re taking full advantage of the card’s benefits. Seldom travelers may not get enough value to warrant the cost.
  • Outside of the current welcome bonus, you’re only earning higher rewards on specific airfare and hotel purchases, so it’s not a great card for other spending categories.
  • The annual airline fee statement credit can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards.
  • Earn 80,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card®.
  • $240 Digital Entertainment Credit: Get up to $20 back each month on eligible purchases made with your Platinum Card® on one or more of the following: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax. Plus Ups are excluded.
  • American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. There are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
  • Get up to $300 back per calendar year on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card. Enrollment required. Learn more.
  • Breeze through security with CLEAR® lanes available at 100+ airports, stadiums, and entertainment venues and get up to $189 back per calendar year on your membership when you use your Card. Learn more.
  • $695 annual fee.
  • Terms Apply.
  • See Rates & Fees