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Card issuers love to add monthly, quarterly, and yearly credits to cards to drive top-of-wallet spending and engagement with certain brands. No issuer does this more than American Express.
The American Express® Gold Card in particular comes with numerous monthly credits (read our full review), including a $7 monthly credit (up to $84 per year; enrollment required) you can use at Dunkin', the popular donut and coffee shop. It's one of the easier credits on the card to actually use.
In the spirit of maximizing every credit across my slate of
- 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.
- 4X Membership Rewards® points at restaurants worldwide, plus takeout and delivery in the U.S. (on up to $50,000 per year in purchases, then 1X)
- 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X)
- 5X Membership Rewards® points on prepaid hotels booked on amextravel.com
- 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com
- 2X Membership Rewards® points on prepaid car rentals booked through amextravel.com
- 2X Membership Rewards® points on cruises booked and paid through amextravel.com
- 1X on other eligible purchases
How to Use the Amex Gold Dunkin’ Benefit
The Dunkin' benefit is exclusive to the American Express® Gold Card. And, like many Amex benefits, you need to enroll first. It can take up to 24 hours to take effect, so plan ahead. Log in at americanexpress.com, open your Amex Gold account, and find the Dunkin' credit under Benefits. You can click here to enroll.
After that, pay with your Amex Gold or an additional card on the same enrolled account at an eligible U.S. Dunkin' location or through the Dunkin' app. You can earn up to $7 in total statement credits each calendar month, whether in one transaction or several.
The credit is valid at U.S. Dunkin' locations that accept American Express, but purchases may not qualify if the transaction isn't made directly with Dunkin'. For example, purchases made through a caterer or third-party delivery app may not qualify, nor may purchases at some Dunkin' locations inside airports, gas stations or other establishments. Online gift card purchases and Dunkin'-branded products purchased through other retailers are also excluded.
Amex's terms say to allow up to eight weeks for the statement credit to post, but it often shows up within a day or two.
Related: Best Credit Cards for Dining and Restaurants
My Experience Using the Amex Gold Dunkin’ Credit
I took my Amex Gold Card in the morning and headed toward the Dunkin' near my house.
I went through the drive-thru and ordered a half-dozen glazed donuts for $9.71. That means my out-of-pocket expense for this excursion should come to $2.71 once the credit comes through.
While I've had issues with other types of statement credits posting to my account in the past that required help from Amex's customer service team, none of those problems came up here. The Dunkin' statement credit posted to my account the same day.
Tips for Using the Amex Gold Dunkin' Credit
The credit is simple to use on paper. Here are some tips to make sure you maximize this benefit:
- Multiple purchases count. Two $3.50 coffees work the same as one $7 order. Amex tracks your monthly total, not individual transactions.
- Spending less than $7 leaves money on the table. Unused credits don't carry forward.
- The credit resets each calendar month.
- The Dunkin' app is an easy way to use your credit. Mobile orders paid with the enrolled card qualify, and it's the simplest way to land close to exactly $7. Some readers also report successfully reloading a Dunkin' stored-value card in the app to bank the credit for a larger purchase later, although Amex's terms exclude online gift card purchases, so this isn't guaranteed to work.
- Additional cards share the same $7. Cards issued to authorized users on the enrolled account draw from the same monthly cap.
- You still earn points on top of the credit. If your Dunkin' purchase codes as a restaurant, you'll earn 4X Membership Rewards points on up to $50,000 in eligible restaurant purchases per calendar year, then 1X.
- Be careful with purchases at the end of the month. Amex uses the transaction date provided by the merchant to determine which month's credit applies, so a purchase made on the last day of the month could count toward the following month if Dunkin' processes it later.
Related: How To Use the Amex Gold Dining Credits
Is the Amex Gold Dunkin' Credit Worth It?
It depends on whether Dunkin' is already part of your routine.
If you stop there anyway, the credit is easy money. You can get up to $84 a year for a minute of effort each month, which can go a long way toward offsetting the Amex Gold‘s annual fee. Set a reminder for the first of the month, order in the app, and you'll barely think about it again.
If Dunkin' can't easily fit into your plans, then a credit that requires a monthly errand may be worth less than its face value. Driving out of your way for $7 in doughnuts or coffee stops feeling like a perk pretty fast.
