This American Express® Gold Card Comes with plenty of perks, including bonus points on meals and purchases at US supermarkets, and monthly Uber Cash for rides and Uber Eats orders in the US.
But besides the other great perks on the card, one might not be on your radar: monthly dining credits. American Express recently refreshed Amex Gold, adding two new statement credits for dining.
Amex Gold offers cardmembers up to $120 in statement credits per calendar year — up to $10 per month — for dining purchases at select merchants.
In addition, Cardmembers can earn up to $100 per calendar year in statement credits toward purchases at Receipt-affiliated restaurants (awarded in biannual increments of $50). Finally, cardmembers can receive up to $84 per calendar year in statement credits for Dunkin’ Donuts (up to $7 per month). Conditions apply.
While you do need to register your card for these benefits, it’s a great way to save money each month. In fact, maxing out these three benefits almost completely covers the card’s $325 annual fee (see Rates and Fees). Read on to know how to use Amex Gold Dining Credit.
Merchants eligible for Amex Gold Dining Credit
You can use your Amex Gold Monthly dining credits at the following merchants:
- The Cheesecake Factory
- Goldbelly
- Grubh
- wine.com
- Five guys
After you register and use your Amex Gold Card at any of these merchants, you’ll automatically receive a statement credit of up to $10 per month.
Since you are buying directly from the merchant, you can also stack this benefit with applicable Amex offers or bonuses through online shopping portals.
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How to use Receipt and Dunkin’ Donuts Credits
The Resy and Dunkin’ Donuts Credits are easy to use. To receive a For Receipt statement credit, you only need to make purchases at Receipt-affiliated restaurants. No reservation required.
Keep in mind that this credit is awarded biannually in $50 increments. It is important to time your purchases to take full advantage of this benefit.
For Dunkin’ Donuts Credit, any purchase at a Dunkin’ Donuts location will earn you up to $7 in statement credit per month. If you’re a frequent coffee drinker, it should be easy to get full value from this credit. That said, if you find yourself in the same situation as me you may be out of luck.
Dunkin’ Donuts does not have a location in my home state, so I cannot take advantage of this statement credit. Be sure to double check if Dunkin’ Donuts is in your area before factoring those statement credits into the effective cost. Amex Gold for you.
How to register for Amex Gold Dining Credits
You may not receive monthly dining credits Amex Gold Without first enrolling in benefits. So, how do you register? Let’s use a dining credit of up to $120 as an example.
If you’re using the American Express mobile app, select the “Membership” icon at the bottom of your homepage and then tap “Explore All Card Benefits” to see the full list of benefits — some of which require registration.
From there, search for “$120 Dining Credit” and check if you’re already enrolled.
If not, tap on it, and you will be taken to a page that allows you to complete the registration.
If you’re using a computer, log into 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 the blue menu bar at the top).
From there, you should see an option to enroll in a $120 dining credit (or an indication that you’ve already enrolled). Rinse and repeat these steps for the other two dining benefits.
Benefit Tracker also shows how much of your credit you’ve used so far this month and year, resetting on 1 January each year.
Note that you only need to complete registration once; You don’t have to do it every month. Once your card is registered, you can avail the benefits every month.
Related: Amex Gold Checklist: 5 Things to Do When You Get the Card
Important reminders
Aside from requiring your card to be registered to receive a monthly statement credit, there are some additional caveats. Amex Gold Dining credits.
First, dining is separate from the Uber benefits on credit cards. When you add your Amex Gold to your Uber account, you’ll receive $10 in Uber Cash every month. This Uber Cash is valid for Uber Eats orders and Uber rides in the U.S. You must have downloaded the latest version of the Uber app and your eligible Amex Gold must be a payment method in your Uber account.
While you can use your Uber Cash at any restaurant available through the Uber Eats app, you can only use dining credits at the merchants mentioned above. However, Gruhub has a wide variety of dining spots — and you might even find a new favorite in the process.
As long as you register 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.
First, purchases by authorized users will trigger these benefits. Authorized users do not receive their own separate credit each month, so be sure to coordinate with your authorized users when using these benefits. Second, up to $120 in dining credits cannot be used to purchase gift cards or merchandise.
RELATED: When You Should (or Shouldn’t) Use the Amex Gold Card
Bottom line
Amex Gold offers three dining credits to help offset its $325 annual fee. If you’re considering this card or deciding whether or not to keep it, these benefits can help you decide if it’s right for you.
Make sure you can consistently use these statement credits before including them in the estimated value you’ll get from the card.
To learn more, read our Amex Gold Full Review
Apply here: American Express Gold Card
Related: Chase Sapphire Preferred Vs. Amex Gold
For Amex Gold Card rates and fees, click here.