Hector Molina, WalletHub Analyst
@hectormolina
The Amex Gold Card dining credit gives cardholders up to $120 per year in statement credits for purchases with Grubhub, The Cheesecake Factory, and other participating merchants. The first $10 in qualifying purchases made each month will be covered by the Amex Gold Card dining credit. Keep in mind that you must enroll your card to use this benefit and receive the credit. Dining credits are posted to the account within 6-8 weeks after qualifying purchases are made.
Key Things to Know About the Amex Gold Card Dining Credit
- What it is: Cardholders earn up to $10 in monthly statement credits (annual savings of up to $120) when ordering from participating partners.
- Participating partners: The participating partners include Grubhub (including Seamless), The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys.
- How to get it: The primary cardholder or an authorized account manager must enroll in the benefit for the account to be eligible for the credits. You can enroll online, through the Amex mobile app, or over the phone.
- Online: Log in to your account, click “Rewards & Benefits,” then “Benefits.” Find the box that says “$120 Dining Credit” and click “Enroll Now.”
- Through the mobile app: Download the Amex mobile app and log in using your credentials. Tap “Explore All Card Benefits” from the “Membership” menu and tap on “$120 Dining Credit.”
- Over the phone: Call (800) 528-4800 or the number you see on the back of your card. When prompted, say “dining credit” and then give your card number. You will then be connected to a live representative who should be able to help you with your request.
- Eligibility: Once the Amex Gold Card is enrolled, purchases from both the primary cardholder and authorized users qualify for the dining credit, but all cardholders on a single account must share the limit of $10 per month in credits.
- Posting time: Dining statement credits typically post to your Amex Gold Card account 6-8 weeks after an eligible purchase is charged.
It's also worth noting that, apart from the dining credit, the Amex Gold Card also offers lots of rewards, especially on travel and dining purchases.
Amex Gold Card Rewards
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 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 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $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 American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- Terms Apply.
The Amex Gold Card dining credit is worth it when properly utilized. Combined with the rewards cardholders earn on purchases, the dining credit can help offset the Amex Gold Card’s $325 annual fee.
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