The Amex Gold card dining credit gives cardholders up to $120 per year in statement credits for purchases with Grubhub, Shake Shack, 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 post 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 partnersGrubhub, The Cheesecake Factory, Goldbelly, Wine,com, Milk Bar, and select Shake Shack locations (excluding Shake Shack locations in ballparks, stadiums, airports and racetracks).
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.
When you get it 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
Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
$120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
$120 Dining Credit: Satisfy your cravings and 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, Milk Bar and select Shake Shack locations. Enrollment required.
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 $250 annual fee.
Yes, bars do count as restaurants for credit cards most of the time, especially when the bar serves food. If a bar is classified as a restaurant based on its merchant category code (MCC), that bar will always count as part of the credit card’s dining rewards category.
If the bar is classified as a “drinking place” instead, the bar will only count as a restaurant if the credit card’s dining rewards category includes the MCC for drinking places. Many dining rewards categories do include the MCC for drinking places, but it’s never a guarantee.… read full answer
Popular Credit Cards that Count Bars as Restaurants
The easiest way to find out if a bar counts as a restaurant for your credit card is just to buy something at the bar. You can then check your credit card statement to see if the purchase got the dining category rewards rate or the base rewards rate. Alternatively, you can call the bar and ask what their merchant category code is, and then call the card issuer to ask whether that merchant category code is included in the credit card’s dining rewards category.
Though the Amex Gold card does not have a traditional lounge access benefit, it’s also a lot cheaper than most cards that offer this benefit. The Amex Gold card’s annual fee is $250 while, for example, the American Express Platinum card’s is $695.… read full answer
That said, if you’re an extremely frequent traveler and use airport lounges on a regular basis, it’s worth getting a credit card with free Global Lounge Collection access. It would cost thousands of dollars to buy unlimited access to all of those lounge brands individually.
The Amex Gold card Grubhub credit is worth up to $10 per month, and up to $120 per year, for enrolled cardholders who make Grubhub purchases with this card. In addition to Grubhub, Amex Gold card’s dining credit applies to purchases from The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations.
The primary cardholder must enroll in the program to receive statement credits for Grubhub and other dining purchases. To enroll, log in to your Amex Gold card account on the American Express website and click “Benefits” at the top. In the far-left column, find the $120 dining credit benefit listed, and click “Enroll.” When you’re enrolled, you can expect a statement credit for up to $10 per month, 2-4 weeks after you make a qualifying purchase from Grubhub.
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