A Complete Guide to Dining with the Amex Gold Card
4 Min Read | Last updated: April 30, 2026
Maximize your love of dining – find out how you can access over $500 annually in value using the American Express® Gold Card. With benefits across dining and travel, Gold makes every experience more rewarding. 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 benefits across eligible dining and travel purchases with partners like Uber, Resy, and more.
- 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.2
Terms apply to all benefits listed below. Benefits are subject to change.
Gold Card 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.
- 5X points on prepaid hotels booked through AmexTravel.com or the Amex Travel App™.
- 3X points on flights booked through AmexTravel.com or the Amex Travel App™ or purchased directly from airlines.
- 2X points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
- 1X points on all other purchases.
In addition to these earning accelerators, the Gold Card can also help you maximize your love of dining – from your morning cup of coffee to the corner table at your favorite restaurant:
- $120 Dining Credit
- $100 Resy Credit
- $84 Dunkin’ Credit
Here’s a breakdown of each Gold dining benefits:
$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 U.S. when you select an Amex Card for your transaction. Enrollment required.
$84 Dunkin' Credit
Kick start your day. With the $84 Dunkin' Credit, you can enjoy up to $7 monthly in statement credits when you use your Gold Card at U.S. Dunkin’ locations. Enrollment required.
$100 Resy Credit
Pick up the check on your next date night. 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 from January through June and up to $50 in statement credits from July through December.
$120 Dining Credit
Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 monthly in statement credits when you use your Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. Enrollment required.
Dining Tip: Want to learn about the latest and greatest restaurants in your city? Check out Resy’s continuously updated list of hot new openings. Plus, get to know your favorite chefs with Resy Interviews.
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?
You can maximize your earning potential by taking advantage of point multipliers and statement credits simultaneously. For example, if you discover a new favorite restaurant using the Resy Hit List 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).
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 may 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.
Yes, you can earn up to $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless).
The Takeaway
With benefits across eligible dining and travel purchases, 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.
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