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In recent history, we've seen card issuers add an influx of 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 is such a card with these credits, one of the newest being a monthly up-to-$7 credit (enrollment required) you can use at Dunkin', the popular donut and coffee shop.
In the spirit of maximizing every credit across my slate of credit cards, here's my experience redeeming the credit at Dunkin' and more details on how it works in practice.
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How To Use Your Amex Gold Dunkin’ Donuts Benefit
The Dunkin' benefit is exclusive to the American Express® Gold Card. You won't find it on any other Amex cards. (At least yet.)
Amex Gold Overview
The Amex Gold comes with a $325 annual fee (Rates & Fees) and a large slate of benefits. As a new applicant for the card, you can earn 60,000 Membership Rewards points after you spend $6,000 on eligible purchases in the first 6 months. And the card has several valuable spending categories that can help you amass a large balance of points quickly.
Additionally, the card comes with many credits that can help offset its annual fee. This includes $10 per month in Uber Cash, $50 semi-annually to Resy restaurants, a $10 per month dining credit (valid for use at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys), and the subject of this post: a $7 per month credit at Dunkin'. Enrollment is required for select Amex benefits.
For more details on the card, check out our full Amex Gold review.
- Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
- 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 at 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.
- $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.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- Rates & Fees
- 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)
- 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com
- 2X Membership Rewards® points on prepaid hotels and other eligible travel booked on amextravel.com
- 1X on other eligible purchases
Steps to use the Amex Gold Dunkin’ credit
There is one crucial step that every Card Member needs to take before using their Dunkin' credit. It's rather frustrating, but American Express requires the Basic Card Member (aka the primary cardholder) to enroll in each credit on the card before the first use. Click here to enroll — if you haven't already.
After that, you can begin to use your credit each calendar month. You can elect to use the credit at any U.S.-based Dunkin' or through Dunkin's mobile app. The credit works on one or multiple transactions — up to $7 per month.
The location must accept American Express cards, which may not work in airports or at pop-up locations at events. Additionally, the credit isn't eligible for gift cards purchased online.
Once a purchase is made at Dunkin', the cardholder should expect to receive credit on their statement within eight weeks. Hopefully, it doesn't take that long.
Related: Best Credit Cards for Dining & Restaurants
My Experience Using the Amex Gold Dunkin’ Credit
One morning, I took my Amex Gold Card and headed towards the Dunkin' near my house. I'm not a big fan of Dunkin's coffee (please don't come at me loyal fans), so I opted for donuts.
I went through the drive-thru and ordered a half dozen glazed donuts for a total cost of $9.71. That means my out-of-pocket expense for this excursion should come to $2.71 (plus gas) courtesy of my Amex Gold. Shortly after payment, I received my precious donuts.
I've experienced issues with other types of statement credits posting to my account in the past, but the customer service team at American Express has been great to work with on these types of issues. But, no issues here. The Dunkin' statement credit posted to my account later the same day!
Overall
The new Amex Gold Dunkin' credit is a novel one. That said, it's part of an annoying trend, in my opinion, of card issuers creating new credits to “deliver more benefits” on cards with newly heightened annual fees.
I wasn't a regular at Dunkin' before, so I'll now be making a monthly pilgrimage to score some donuts. But, to me, this feels less of a benefit and more of a chore as a Card Member.
For rates and fees of the cards mentioned in this post, please visit the following links: American Express® Gold Card (Rates & Fees)
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