A few years ago, I applied for this American Express® Gold Card, Which has since become one of my favorite rewards cards. In late July 2024, the card was refreshed with some new changes.

The card earns 4 transferable Amex Membership Rewards points per dollar spent at restaurants worldwide (up to $50,000 per calendar year, 1 point per dollar thereafter) and US supermarkets (up to $25,000 per calendar year, 1 point per dollar thereafter).

It also offers statement credits each calendar year, including credits for dining purchases with select merchants, Uber, Racy and Dunkin’ Donuts. Registration is required, and terms apply.

Here are five things to make your snazzy new card worth its $325 annual fee when you get it (see Rates and Fees).

Enroll in annual dining credits and Uber Cash benefits

along with Amex GoldYou’re eligible for up to $10 in monthly statement credits (up to $120 per calendar year) when you enroll and use your card at participating dining partners.

These partners include Grubhub, Cheesecake Factory, Goldbelly, wine.com And five guys.

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You need to register your card for this benefit on the Amex site or through the Amex mobile app under “Benefits,” so do that as soon as you get your new card.

Amex Gold also offers up to $120 in annual Uber Cash per calendar year, paid in monthly increments of up to $10. This credit can be used for Uber rides and Uber Eats orders (card must be added to Uber app to avail this benefit).

Unlike the monthly up-to-$10 dining credit that works as a statement credit when used, this credit is credited to your Uber account every month up to $10 monthly. If you don’t use this Uber Cash by the end of the month, it will disappear.

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For this magic to happen, you must set up your Amex Gold card in your Uber account in the Payments section. Here’s a complete guide walking you through how to set up and use your Amex Gold Uber Credits — it’s really easy once you’ve linked the card to your Uber account.

Related: The Complete Guide to Amex Gold Dining Credit

Enroll in Resy and Dunkin’ Donuts Credit

Cardmembers can earn up to $100 in annual Receipt credits for use at US Receipt restaurants per calendar year, split into two $50 bi-annual credits. This credit works the same way On Saks Credit Platinum Card® from American Express.

Tom Werner/Getty Images

Using Receipt Credit is generally easy, especially if you live in or near a large US city. All you need to do is pay your bills Amex Gold Card at any restaurant registered in Receipt. No reservation required.

In addition to Receipt Credit, cardmembers earn up to $84 in annual Dunkin’ Credits per calendar year, issued in monthly increments of up to $7.

You must pay for your Dunkin’ order with your Amex Gold Card to use this credit. As with other benefits, you cannot roll over any unused portion.

Related: Why Chase Needs a Rival to Amex Gold

Add Amex Gold as a payment method with Grubhub

If you use the food delivery service Grubhub, set your payment card as this Amex Gold To earn 4 points per dollar on in-app restaurant dining (up to $50,000 per calendar year, then 1 point).

It’s an easy way to use the up-to-$10 monthly statement credit available to eligible dining partners (up to $120 per calendar year).

Katleho Sisa/Getty

Since Grubhub+ membership costs $9.99/month, you can use your Amex Gold dining credit to pay this charge. If you use Grubhub frequently, it may be worth registering for Grubhub+ and paying for the membership with this statement credit.

This is how TPG Credit Card writer Olivia Mittak uses her monthly dining credit.

RELATED: Tricks to Use Your $10 Amex Dining Credit

Remember the bonus categories

This Amex Gold Restaurants around the world and US supermarkets both sit at the top of the pack for spending on dining.

The card earns 4 fully transferable Amex Membership Rewards points per dollar spent on dining (up to $50,000 per calendar year, then 1 point per dollar) and at US supermarkets (up to $25,000 per calendar year, then 1 point per dollar).

Based on TPG’s July 2024 point valuation, this equates to an 8% return on 4 points per dollar spent.

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This includes earning 4 bonus points on grocery delivery services like Instacart if you choose to have your groceries delivered to your doorstep.

Amex Gold is also a great card when you need to split a dining bill with friends, because you can swipe your card and earn 4 points per dollar for the entire bill — but then use the Amex Send & Split feature. Get paid by your friends without paying anyone Venmo or PayPal fees.

Related: The Best Rewards Credit Cards for Every Bonus Category

Start using the card to purchase flights

This Amex Gold Also earn 3 points per dollar spent on flights booked directly with airlines or on amextravel.com. It’s not the best earning rate for flight purchases, but it’s still a solid option, especially if it’s one of the only cards in your wallet. Conditions apply.

Related: Everything You Need to Know About Membership Rewards Transfer Partners

Bottom line

There aren’t as many tasks to complete when you get your Amex Gold When you get the Amex Platinum, there are still at least five things you need to do to get the most rewards and benefits from the powerful — and pretty cool — Amex Gold Card.

To learn more, read our full Amex Gold review.


Apply here: American Express Gold


To view Amex Gold rates and fees, click here.
To view Amex Platinum rates and fees, click here.

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