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Register for these benefits with the Amex Gold Card

Sept. 10, 2021
5 min read
Register for these benefits with the Amex Gold Card
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The American Express® Gold Card ranks among the best travel cards in the game. It earns valuable Amex Membership Rewards points, which TPG values at 2 cents each. It offers you a fistful of travel coverages.

But the demographic it serves perhaps best of all is foodies. It's got multiple perks that serve restaurant spending — but you'll have to enroll in two important ones before you use them. Here's what you need to do as soon as you get your Amex Gold.

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(Photo by Wyatt Smith/The Points Guy)

Intro to the Amex Gold Card

Here are the need-to-know details about the Amex Gold Card:

  • 60,000 Membership Rewards points after you spend $4,000 on eligible purchases within the first six months of card membership. (worth $1,200)
  • 4 points per dollar on dining at restaurants and up to $25,000 in purchases at U.S. supermarkets per calendar year (then 1 point per dollar)
  • 3 points per dollar on flights booked directly from the airline or via Amex Travel
  • 1 point per dollar on all other eligible purchases
  • Trip delay reimbursement
  • Baggage insurance
  • Up to $120 annual dining credit*
  • Up to $120 in annual Uber Cash*
  • $250 annual fee (see rates and fees)
  • Terms Apply

*Enrollment is required for a couple of these benefits, which we'll examine below.

Related: Here are 9 of our favorite ways to use Amex Membership Rewards points

Up to $120 in annual dining credit

The Amex Gold offers up to $120 in statement credits each year when you pay with the card at participating dining partners, including Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations

The only catch is that the $120 is doled out in monthly $10 increments.

While this benefit would be more useful if the dining credit triggered after any restaurant transaction, it's still quite easy to use. Many of us frequently use Grubhub to have food delivered. And who doesn't spend at least $10 on dining each month? You can even order pickup with Grubhub to avoid fees eating into your monthly credit.

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You'll need to enroll through the American Express website to activate this credit. You'll find it by clicking the "Benefits" tab at the top of your online account. This benefit is use-it-or-lose-it, so be sure to make an eligible restaurant purchase each month!

Up to $120 in annual Uber Cash

The Amex Gold also offers up to $120 in Uber Cash each year. Similar to the annual dining credit, this perk is offered in monthly $10 statement credits.

Whether you ride with Uber or not, you can almost certainly max out this credit each month for one simple reason: Uber Cash can be used for both Uber rides and Uber Eats in the U.S. In other words, you can use this credit almost exactly like the above dining credit. Uber also allows you to order pickup to avoid delivery fees.

To use this credit, simply add your Amex Gold as a payment method in your Uber wallet. You'll automatically receive $10 in credit each month to be used on rides or food. It will look similar to the below screenshot (though I've got The Platinum Card® from American Express, so I get $15 in Uber Cash per month; enrollment required).

(Screenshot courtesy of Uber)

Just like the dining credit, any Uber Cash you receive from the Amex Gold will expire at the end of the month. Other Uber Cash will accrue, but none deposited from American Express.

Related: 4x on everyday purchases and a bonus worth $1,200 in travel: American Express Gold review

Bottom line

As soon as you receive your Amex Gold, you should do two things:

  • Head into your account to enroll in the annual dining credit
  • Add your Amex Gold as a payment method to your Uber wallet

If you forget, you may find a higher balance on your card than you thought after making eligible purchases. I've been guilty of this myself with Amex cards and have even missed out on $100 in savings!

You can apply here for the American Express® Gold Card with a 60,000-point welcome bonus.

Check the CardMatch Tool to see if you’ve been selected for an even higher welcome bonus.

Featured photo by Wyatt Smith/The Points Guy.

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

Featured image by (Photo by Wyatt Smith/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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How we chose these cards

Our points-obsessed staff uses a plethora of credit cards on a daily basis. If anyone on our team wouldn’t recommend it to a friend or a family member, we wouldn’t recommend it on The Points Guy either. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners.
See all best card offers

TPG featured card

TPG Exclusive Offer
TPG Exclusive Offer
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

1 - 5X points
5XGet 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com
1.5XEarn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year
1X1X points for each dollar you spend on eligible purchases.

Intro offer

Earn 150,000 points120,000 points
The Points Guy Exclusive Offer: Earn 150,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card® within the first 3 months of Card Membership.

Annual Fee

$695

Recommended Credit

670-850
Good, Excellent
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

It's hard to find a card that competes with the mile-long list of benefits that come with the Amex Business Platinum. While it's certainly not the card for the average consumer, a business owner with tons of expenses -- especially related to travel -- will find this card incredibly valuable. This card is similar to the consumer version that Amex offers, but with more business-oriented perks around statement credits and earning rates that are a better fit for business owners.

Pros

  • An up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
  • Up to $400 annual credit for eligible U.S. Dell purchases (enrollment required)
  • Gold status at Marriott and Hilton hotels (enrollment required)
  • Access to the Fine Hotels & Resorts program and Hotel Collection
  • Extended warranty protection
  • International Airline Program and Cruise Privileges Program

Cons

  • Steep annual fee
  • Difficulty meeting $15,000 welcome offer for smaller businesses
  • Limited high-bonus categories outside of travel
  • The Points Guy Exclusive Offer: Earn 150,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card® within the first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
  • Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for checked baggage fees, lounge day passes, and more at one selected airline.
  • $189 CLEAR® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership. CLEAR® is available at more than 50 U.S. airports and stadiums.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
  • $695 Annual Fee.
  • Terms Apply.
Apply for The Business Platinum Card® from American Express
at American Express's secure site
Terms & restrictions apply. See rates & fees
TPG Exclusive Offer
TPG Exclusive Offer
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

5XGet 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com
1.5XEarn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year
1X1X points for each dollar you spend on eligible purchases.
  • Intro Offer
    The Points Guy Exclusive Offer: Earn 150,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card® within the first 3 months of Card Membership.

    Earn 150,000 points
    120,000 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
    Good, Excellent

Why We Chose It

It's hard to find a card that competes with the mile-long list of benefits that come with the Amex Business Platinum. While it's certainly not the card for the average consumer, a business owner with tons of expenses -- especially related to travel -- will find this card incredibly valuable. This card is similar to the consumer version that Amex offers, but with more business-oriented perks around statement credits and earning rates that are a better fit for business owners.

Pros

  • An up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
  • Up to $400 annual credit for eligible U.S. Dell purchases (enrollment required)
  • Gold status at Marriott and Hilton hotels (enrollment required)
  • Access to the Fine Hotels & Resorts program and Hotel Collection
  • Extended warranty protection
  • International Airline Program and Cruise Privileges Program

Cons

  • Steep annual fee
  • Difficulty meeting $15,000 welcome offer for smaller businesses
  • Limited high-bonus categories outside of travel
  • The Points Guy Exclusive Offer: Earn 150,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card® within the first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
  • Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for checked baggage fees, lounge day passes, and more at one selected airline.
  • $189 CLEAR® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership. CLEAR® is available at more than 50 U.S. airports and stadiums.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
  • $695 Annual Fee.
  • Terms Apply.