4 Min Read | Published: July 25, 2024

A Complete Guide to Dining with the Amex Gold Card

With over $400 annually in benefits value across Resy, Uber, and more – the American Express^® Gold Card can help you maximize your love of dining. Here’s how.

At-A-Glance

The American Express^® Gold Card can help you make the most out of your dining experiences with Membership Rewards^® points earnings on eligible dining and grocery purchases.

The Gold Card has a $325 annual fee¹ and offers over $400 annually in benefits value – including a $120 Dining Credit, $120 Uber Cash, $100 Resy Credit, and $84 Dunkin’ Credit.

Card Members can also earn points on eligible flight and hotel purchases, so you can travel to the trendiest bites and discover dining like never before.

Dining is often at the center of life’s special moments, from unforgettable meals in exotic locations to home-cooked dinners with the people that matter most. No matter where your dining experiences take you, the American Express^® Gold Card can reward your passion for food and everyday life. With exclusive benefits across dining and travel, the Gold Card is designed to elevate every aspect of your dining lifestyle – making it the ideal companion for all your culinary adventures.

Let’s take a closer look at the Gold Card, starting with its suite of dining benefits that can help you dine like a pro and get rewarded for it.

Terms apply to all benefits listed below. Benefits are subject to change.

White Gold is in the mix. The American Express^® Gold Card now comes in three metal designs: Gold, Rose Gold, and Limited Edition White Gold. White Gold design is only available while supplies last.

Gold Card Dining Benefits and Credits

To start, the Gold Card can help you earn Membership Rewards^® points that can be redeemed for travel, statement credits, point transfers to participating airline and hotel partners, and more. Gold Card Members can earn:

4X Points on restaurants worldwide, plus takeout and delivery in the U.S., on up to $50,000 in purchases each year.
4X Points on groceries at U.S. supermarkets, on up to $25,000 in purchases each year.

In addition to these earning accelerators, the Gold Card can also help you unlock over $400 annually in benefits value – from your morning cup of coffee to the corner table at your favorite restaurant:

$120 Uber Cash
$84 Dunkin’ Credit
$100 Resy Credit
$120 Dining Credit

Here’s a breakdown of each Gold benefit:

$120 Uber Cash

Whether you want to stay in and order your favorite bites or you need to get around town - Uber and Gold deliver savings. Just add your Card to your Uber account and you'll automatically get $10 in Uber Cash every month to use on eligible orders with Uber Eats and rides with Uber in the US. Enrollment required.

$84 Dunkin' Credit

Satisfy your caffeine craving. With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you pay with the Gold Card at Dunkin' locations. That's up to $84 in savings each year. Enrollment required.

$100 Resy Credit

Pick up the check on your next date night. After you pay with the Gold Card to dine at U.S. Resy restaurants oe make other eligible Resy purchases, you can get up to $100 back annually. Enrollment required through your Card account. Plus, create a Resy account to discover and book new restaurants to love.

$120 Dining Credit

Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.

Dining Tip: You can maximize your earning potential by taking advantage of point multipliers and statement credits simultaneously. For example, if you dine at your favorite U.S. Resy restaurant and pay with the Gold Card, you could be earning 4X Points and getting up to $100 back annually (that’s up to $50 semi-annually).

How to Enroll in the Gold Card Dining Credits

It’s important to keep in mind that you must enroll in order to use these credits. You can enroll in a few different ways: online, using the American Express App, or by calling:

Online: You can enroll online by logging in to your American Express account and selecting the Gold Card. On the menu bar, click More > Rewards & Benefits > Benefits to view your Benefit Dashboard. From there, you’ll see a list of all the benefits and the option to enroll (or an indication that you’ve already enrolled).

Amex App: You can enroll using the Amex App by tapping the Membership icon > View All (next to the Benefits section). From there, you’ll find a similar list of all the benefits and the option to enroll if you haven’t already.

Calling: And lastly, you can also enroll by calling the number on the back of the Gold Card and speaking to a Card Member representative.

Once you’re enrolled, you can immediately start using the Gold Card to redeem the credits. Statement credits typically post in a few days but may take up to eight weeks after an eligible purchase is charged to your Card Account.

Did you know?

While the other credits are added towards your Card balance as a statement credit, Uber Cash is added directly to your Uber Wallet in the Uber app. This means you’ll need to link the Gold Card to your Uber account in order to receive the monthly $10 in Uber Cash (that’s up to $120 in savings each year).

Amex Gold Card Travel Benefits

And if you love to discover dining in new destinations far from home, the Gold Card has you covered with exclusive travel benefits so you can get rewarded on your way to your next food adventure. In addition to the dining accelerators mentioned earlier, you can also earn:

3X Points on flights booked directly with airlines or on AmexTravel.com.
2X Points on prepaid hotels and other eligible travel – such as prepaid car rentals, vacation packages and cruises when you book through AmexTravel.com.

Plus, you’ll receive a $100 complimentary credit to use towards eligible charges, such as food and beverage, spa, or other on-property charges, when you book a prepaid stay of two nights or more at any property within The Hotel Collection through AmexTravel.com. Please note the credit use varies by property.

And don’t forget: you’ll earn 4X Points when dining-in at restaurants worldwide – so no matter where you are, the Gold Card can make your next meal more memorable.²

Frequently Asked Questions

Statement credits and Uber Cash do not roll over. All unused credits or Uber Cash expire at the end of each month.

Card Members typically receive statement credits within a few days of their transaction, but it may take up to eight weeks.

Statement credits and Uber Cash reset on the first day of each calendar month. For example, if you use your $10 monthly dining credit on 7/25, you’ll receive a new credit on 8/1. Similarly, if you use your $10 Uber Cash on 7/10, you'll receive $10 of Uber Cash to your account on 8/1 to use in August.

While you don’t need a Resy account to redeem your credit, creating a Resy account is a great way to discover and book restaurants that qualify for the $100 Resy Credit.

You can earn up to $10 in statement credits monthly when you pay with the Gold Card at Grubhub, which includes Seamless within New York City.

The Takeaway

With over $400 annually in benefits value (including a $120 Dining Credit, $120 Uber Cash, $100 Resy Credit and $84 Dunkin’ Credit), the Gold Card is the Card for any dining style – whether it’s at home with your favorite recipe or away on your next food adventure.

¹ For more on Rates and Fees for the American Express^® Gold Card, click here.

² For more on Offer and Benefit Terms for the American Express^® Gold Card, click here.

Kevin D. Flynn is a financial services provider, business coach, and financial writer. He lives in Leominster, Massachusetts, with his wife Evelyn, two cats, and ten wonderful grandchildren.

All Credit Intel content is written by freelance authors and commissioned and paid for by American Express.

A Complete Guide to Dining with the Amex Gold Card

At-A-Glance