American Express® Gold Card Dining Benefits & $120 Dining Credit
The American Express® Gold Card offers several dining-related benefits, including a potential $120 annual Dining Credit and elevated Membership Rewards® points on eligible restaurant purchases. These benefits can provide significant value for cardmembers who regularly dine at participating establishments.
For an overview of the Gold Card's other rewards, credits and features, see: American Express Gold Card Benefits, Rewards & Perks.
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$120 American Express Gold Card Dining Credit
The Gold Card offers up to $10 in monthly statement credits when you use the Card for eligible purchases at participating dining merchants. Enrollment is required.
Using the full monthly credit can provide up to $120 in annual value. The credit is based on eligible purchases and does not simply appear as a general-purpose cash credit.
Where Can You Use the Gold Card Dining Credit?
The current Gold Card Dining Credit can be used for eligible purchases at participating merchants, including:
- Grubhub, including Seamless
- Buffalo Wild Wings
- Five Guys
- The Cheesecake Factory
- Wonder
Eligible merchants and qualifying purchases are subject to the terms of the benefit. Enrollment is also required before you can receive the statement credits.
How Does the Monthly Dining Credit Work?
The benefit provides up to $10 in statement credits each month when the enrolled Gold Card is used for qualifying purchases. If you make an eligible purchase for less than $10, the credit is based on the qualifying purchase rather than automatically providing the full $10.
The monthly benefit does not simply accumulate indefinitely. Unused monthly credit generally cannot be carried forward to increase the following month's credit.
Earn 4X Membership Rewards Points at Restaurants
The Gold Card's dining benefits go beyond the monthly statement credit. Cardmembers can also earn 4X Membership Rewards points per dollar on eligible purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year. After that annual limit, eligible restaurant purchases earn 1X points for the remainder of the year.
This combination of a dining credit and elevated rewards earning can make the Gold Card particularly useful for people who regularly spend money at restaurants.
Does the Dining Credit Cover the Entire Restaurant Bill?
The Dining Credit is a statement credit for qualifying purchases rather than a discount that automatically removes a fixed amount from every restaurant bill. The purchase must meet the requirements of the benefit, and enrollment is required.
For example, an eligible purchase of $10 or more in a month can potentially generate the full $10 monthly credit, subject to the applicable terms.
Can the Dining Credit Help Offset the Annual Fee?
The Gold Card has a $325 annual fee. If you use the full $10 monthly Dining Credit, the potential annual value is $120.
That credit does not cover the entire annual fee by itself, but it can reduce the effective cost of the Card when combined with other benefits that you would actually use.
The important consideration is whether these are purchases you would normally make. A credit generally provides more practical value when you would have spent the money anyway.
Final Thoughts
The American Express Gold Card offers both a $120 potential annual Dining Credit and 4X Membership Rewards points on eligible restaurant purchases. For people who regularly dine at participating merchants, these benefits can provide meaningful ongoing value.
Because enrollment and other requirements apply, review the terms of the benefit before relying on the credit. The value of the Gold Card ultimately depends on how naturally its dining benefits fit into your normal spending.
American Express® Gold Card
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
- Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
- Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
- $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
- $84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
- $120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
- Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
- Book two nights or more with The Hotel Collection through AmexTravel.com and receive a $100* credit towards eligible charges at over 1,300 upscale hotels worldwide.§ *Eligible charges vary by property.
- Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
- Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
- CLICK HERE TO APPLY ONLINE
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