How to register for the Amex Gold dining credit

Nov 21, 2020

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Editor’s note: This post has been updated with the latest information.

The American Express® Gold Card was seemingly made for people who live to eat. And in the current pandemic environment, many cardholders are prioritizing groceries and takeout.

(Photo by Eden Batki / The Points Guy)
(Photo by Eden Batki / The Points Guy)

Not only does the Amex Gold earn 4x Membership Rewards points on worldwide dining and U.S. supermarkets (up to $25,000 in purchases per calendar year, then 1x at U.S. supermarkets), but it also comes with an up to $120 annual dining statement credit. Starting in early 2021, cardholders will receive up to $120 annually ($10 per month) in Uber Cash to use for Uber Eats orders or Uber rides in the U.S. And finally there’s the up to $100 annual airline fee credit (which is going away in 2022) These are perks that, together, effectively cover the $250 annual fee (see rates and fees), leaving you $90 ahead.

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The dining statement credit works at the following merchants: Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House and participating Shake Shack locations. It’s not automatically applied though, so you’ll need to activate it online before you can take advantage.

We’ll walk you through the process.

Related: The best credit cards to use for food delivery services

Enroll your card in 5 clicks or less

Once you’ve logged in to your Amex account, select your Gold card in the top right-hand corner. Then, select “Benefits” on the top bar.

From there, you’ll see the up to $120 dining credit benefit on the first column to the left. If not, just scroll down until you do. The credit is distributed as up to $10 statement credits per month, so you’ll want to make sure you’re ordering from a participating merchant at least once a month to take full advantage.

As you’ll see here, I’ve already enrolled in this benefit. If you haven’t, simply click on “Learn More” and you’ll be prompted to enroll on the next screen.

It’s worth noting that the terms and conditions explicitly exclude gift cards and merchandise purchases. Enrolling in this valuable benefit online should only take you about five minutes or less to complete, but you can also enroll by chatting with an Amex agent online, on the app or by calling customer service.

Related: How I get free lunch twice a month with the Amex Gold

Bottom line

If you regularly dine at one of the aforementioned restaurants or use delivery services such as Grubhub or Seamless, having this card in your wallet makes a lot of sense. Just be sure you’re not leaving money on the table — enroll your Amex Gold Card now so you don’t miss out.

APPLY for the Amex Gold Card — with a welcome offer of 60,000 Membership Rewards points after spending $4,000 on the first six months of card membership —   here.

Additional reporting by Chris Dong

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

American Express® Gold Card

With some great bonus categories, the American Express Gold Card has a lot going for it. The card offers 4x points at restaurants worldwide, at U.S. supermarkets (up to $25,000 per calendar year; then 1x), and 3x points on flights booked directly with airlines or through amextravel.com.

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More Things to Know
  • Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
  • Earn 4X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery.
  • Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees
Regular APR
See Pay Over Time APR
Annual Fee
$250
Balance Transfer Fee
N/A
Recommended Credit
Excellent/Good
Terms and restrictions apply. See rates & fees.

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.