{"id":217527,"date":"2025-08-31T21:00:00","date_gmt":"2025-08-31T21:00:00","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=217527\/"},"modified":"2025-09-10T12:01:43","modified_gmt":"2025-09-10T12:01:43","slug":"amex-gold-dining-credit","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/amex-gold-dining-credit\/","title":{"rendered":"How to Utilize All of the Dining Credits on the American Express\u00ae Gold Card"},"content":{"rendered":"<p>The <a data-ccid=\"4028085\" href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-gold-card\/\">American Express<sup>\u00ae<\/sup> Gold Card<\/a> is best known as a strong everyday earner on dining and groceries, but its credits alone can more than offset the card's $325 annual fee   (<a data-ccid=\"4028085\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/gold-card\/91101-10-0\/?print#terms-details\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>). While Amex officially advertises just two dining-related credits, cardholders actually have access to four different credits that can all be used toward food and drinks. Used strategically, these benefits can easily outweigh the card\u2019s cost and deliver hundreds of dollars in annual value.<\/p>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Amex_Gold_120_Dining_Credit\">Amex Gold $120 Dining Credit<\/a><\/li><li><a href=\"#Amex_Gold_100_Resy_Credit\">Amex Gold $100 Resy Credit<\/a><\/li><li><a href=\"#Amex_Gold_120_Uber_Credits\">Amex Gold $120 Uber Credits<\/a><\/li><li><a href=\"#Amex_Gold_84_Dunkin_Credit\">Amex Gold $84 Dunkin Credit<\/a><\/li><li><a href=\"#Bottom_Line\">Bottom Line<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"Amex_Gold_120_Dining_Credit\">Amex Gold $120 Dining Credit<\/span><\/h2>\n<p>The most common and largest credit is the $120 annual dining credit, which is disbursed in $10 increments each month. You\u2019re not allowed to use all the $120 in one sitting, nor can you stack them month over month. Simply put, if you don\u2019t use it each month, you lose it.<\/p>\n<p>The places that qualify for the dining credit have changed in the past, but the current locations are:<\/p>\n<ul>\n<li>GrubHub<\/li>\n<li>The Cheesecake Factory<\/li>\n<li>Goldbelly<\/li>\n<li>Wine.com<\/li>\n<li>Five Guys<\/li>\n<\/ul>\n<p>Getting the credit to apply is simple, assuming you\u2019ve enrolled. To enroll, log in to the American Express website and head to the \u201cbenefits\u201d section. You\u2019ll see the $120 dining credit box, click it, and you\u2019re done!<\/p>\n<p>Enrollment is required for select Amex benefits.<\/p>\n<p><img data-aspectratio=\"750\/646\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-217533 aligncenter lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/Dining-Credits-Enrollment-Required.png\" alt=\"Amex Gold card benefits you need to enroll in\" width=\"750\" height=\"646\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/Dining-Credits-Enrollment-Required.png 1774w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/Dining-Credits-Enrollment-Required-300x258.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/Dining-Credits-Enrollment-Required-1024x882.png 1024w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/Dining-Credits-Enrollment-Required-768x662.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/Dining-Credits-Enrollment-Required-1536x1323.png 1536w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/p>\n<p>Once enrolled, all you have to do is pay with your <a data-ccid=\"4028085\" href=\"\/blog\/link\/CR-AmericanExpressGoldCard\" rel=\"noopener nofollow sponsored\">Amex Gold<\/a> card for the credit to automatically kick in each month. The easiest for me to use is GrubHub, as I do a restaurant pickup to avoid the high delivery fees here in Seattle. Once I charge the food to my Gold card, the credit usually comes through a few days later.<\/p>\n<figure id=\"attachment_217645\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"750\/233\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-217645 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/Amex-Grubhub.png\" alt=\"Screenshot showing the Amex Gold card $10 credit for a GrubHub purchase\" width=\"750\" height=\"233\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/Amex-Grubhub.png 1302w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/Amex-Grubhub-300x93.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/Amex-Grubhub-1024x318.png 1024w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/Amex-Grubhub-768x238.png 768w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><center><em>Amex Grubhub credit, courtesy of Jon Nickel-D'Andrea<\/em><\/enter><\/figure>\n<h2><span id=\"Amex_Gold_100_Resy_Credit\">Amex Gold $100 Resy Credit<\/span><\/h2>\n<p>Resy is American Express\u2019 restaurant reservation program, very similar to OpenTable. The <a data-ccid=\"4028085\" href=\"\/blog\/link\/CR-AmericanExpressGoldCard\" rel=\"noopener nofollow sponsored\">Amex Gold<\/a> card offers a <a target=\"_blank\" href=\"\/credit-cards\/amex-membership-rewards\/amex-resy-credit\/\" rel=\"noopener\">$100 Resy credit<\/a> &#8212; doled out in two $50 installments. You\u2019ll get your first $50 to use from January 1 to June 30 each year, and the second $50 from July 1 to December 31.<span class=\"Apple-converted-space\"> Like the dining credit, the Resy credits don't roll over, so be sure to use them before they expire.<\/span><\/p>\n<p>You don\u2019t have to make a reservation via the Resy website. Instead, you only need to use your <a data-ccid=\"4028085\" href=\"\/blog\/link\/CR-AmericanExpressGoldCard\" rel=\"noopener nofollow sponsored\">Amex Gold<\/a> card to pay. Once you pay for your meal, you\u2019ll see the $50 apply automatically.<\/p>\n<figure id=\"attachment_217647\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"750\/110\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-217647 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/Amex-Resy.png\" alt=\"Amex Gold $50 Resy credit applied \" width=\"750\" height=\"110\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/Amex-Resy.png 1312w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/Amex-Resy-300x44.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/Amex-Resy-1024x150.png 1024w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/Amex-Resy-768x112.png 768w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><center><em>Amex Resy Credit, courtesy of Jon Nickel-D'Andrea<\/em><\/enter><\/figure>\n<p><strong>Pro tip:<\/strong> If you can\u2019t make it into the restaurant, many of the Resy restaurants near us sell gift cards online. In the past, if the gift card was processed via Toast, it showed up as a restaurant order, and the Resy credit was applied automatically.<\/p>\n<h2><span id=\"Amex_Gold_120_Uber_Credits\">Amex Gold $120 Uber Credits<\/span><\/h2>\n<p>While not explicitly a dining credit, you can use your Uber credit on either a ride or an Uber Eats order. Once you link your card to your Uber account, a $10 credit appears in your Uber balance every month. You\u2019ll be able to use it for delivery and pickup orders, but <a target=\"_blank\" href=\"\/credit-cards\/uber-amex-credit\/\" rel=\"noopener\">must use an Amex card to pay for the remainder<\/a>.<\/p>\n<p class=\"remark\"><em><strong>Amex Disclosure<\/strong>: To receive $10 monthly credits (up to $120 per year) in Uber Cash, you must add the American Express<sup>\u00ae<\/sup> Gold Card to your Uber account and select it as the payment method for your Uber or Uber Eats transaction.<\/em><\/p>\n<h2><span id=\"Amex_Gold_84_Dunkin_Credit\">Amex Gold $84 Dunkin Credit<\/span><\/h2>\n<p>Perhaps the least exciting of the dining offers on the <a data-ccid=\"4028085\" href=\"\/blog\/link\/CR-AmericanExpressGoldCard\" rel=\"noopener nofollow sponsored\">Amex Gold<\/a> card is the $7 per month ($84 per year) <a target=\"_blank\" href=\"\/credit-cards\/amex-membership-rewards\/amex-gold-dunkin-credit\/\" rel=\"noopener\">Dunkin' credit<\/a>. Enroll in the benefit, and the credit will automatically kick in when you make a Dunkin' purchase.<\/p>\n<p>Since I don\u2019t have any Dunkin' locations near me, I load $7 each month into my Dunkin' app on my phone. This allows me to build up a balance in the app over the months. If I find a Dunkin' location in my travels, I\u2019m able to get some free coffee and breakfast<\/p>\n<figure id=\"attachment_217646\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"750\/106\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-217646 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/Amex-Dunkin.png\" alt=\"Amex Dunkin' credit\" width=\"750\" height=\"106\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/Amex-Dunkin.png 1312w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/Amex-Dunkin-300x43.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/Amex-Dunkin-1024x145.png 1024w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/Amex-Dunkin-768x109.png 768w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><center><em>Amex Dunkin' credit, courtesy of Jon Nickel-D'Andrea<\/em><\/enter><\/figure>\n<p>If you have a Dunkin' location near you, head to any location and use your card or pay in the app. The credits will apply automatically.<\/p>\n<h2><span id=\"Bottom_Line\">Bottom Line<\/span><\/h2>\n<p>If maximized, the dining-related perks on the <a data-ccid=\"4028085\" href=\"\/blog\/link\/CR-AmericanExpressGoldCard\" rel=\"noopener nofollow sponsored\">Amex Gold<\/a> add up to over $400 in annual credits \u2014 more than enough to cover the card\u2019s annual fee if you\u2019re able to use them all. Enrollment is required for some benefits, and a little planning is needed to avoid losing monthly credits. But overall, the process is simple: use your Amex Gold card at eligible merchants, and the credits apply automatically.<\/p>\n<p>For frequent diners, food delivery fans, or anyone who can take advantage of these monthly and semiannual credits, the Amex Gold makes a strong case as one of the most rewarding dining cards on the market.<\/p>\n<div class=\"qs-card\" data-id=\"4028085\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">American Express<sup>\u00ae<\/sup> Gold Card<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/104\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/11\/CardArt-AmexGoldCard.png\" width=\"150\" alt=\"American Express\u00ae Gold Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-how-apply\" title='American Express\u00ae Gold Card' data-ccid=\"4028085\" href=\"\/blog\/link\/CR-AmericanExpressGoldCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4028085\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/gold-card\/91101-10-0\/?print#terms-details\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms apply)<\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nAs High As 100,000 points. Find Out Your Offer. You may be eligible for as high as 100,000 Membership Rewards<sup>\u00ae<\/sup> Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">American Express<sup>\u00ae<\/sup> Gold Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nAs High As 100,000 points. Find Out Your Offer. You may be eligible for as high as 100,000 Membership Rewards<sup>\u00ae<\/sup> Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$325<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The American Express<sup>\u00ae<\/sup> Gold Card stands out for its robust rewards, especially for food enthusiasts. It offers 4X points on dining worldwide (up to $50,000 per year, then 1X) and U.S. supermarkets (up to $25,000 per year, then 1X), and 3X points on flights booked directly with airlines or through American Express Travel<sup>\u00ae<\/sup>. Cardholders can take advantage of multiple annual dining credits at select locations and up to $120 in Uber Cash credits for U.S. rides and Uber Eats (received as $10 monthly credits), just add your American Express<sup>\u00ae<\/sup> Gold Card to your account in the Uber app and select it as the payment method. Enrollment required for select American Express benefits.<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>You may be eligible for as high as 100,000 Membership Rewards&#xAE; 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.<\/li><li>Earn 4X Membership Rewards&#xAE; 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.<\/li><li>Earn 4X Membership Rewards&#xAE; 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.<\/li><li>Earn 3X Membership Rewards&#xAE; points per dollar spent on flights booked directly with airlines or on AmexTravel.com.<\/li><li>Earn 2X Membership Rewards&#xAE; points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.<\/li><li>Earn 1X Membership Rewards&#xAE; point per dollar spent on all other eligible purchases.<\/li><li>$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&#xAE; points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.<\/li><li>$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&#xAE; Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.<\/li><li>$100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express&#xAE; 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.<\/li><li>$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&#xAE; Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.<\/li><li>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.<\/li><li>No Foreign Transaction Fees.<\/li><li>Annual Fee is $325.<\/li><li>Terms Apply.<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul><li>4X Membership Rewards<sup>\u00ae<\/sup> Points at restaurants worldwide, plus takeout and delivery in the U.S. (on up to $50,000 per year in purchases, then 1X)<\/li>\r\n \t<li>4X Membership Rewards<sup>\u00ae<\/sup> points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X)<\/li>\r\n        <li>3X Membership Rewards<sup>\u00ae<\/sup> points on flights booked directly with airlines or on amextravel.com<\/li>\r\n        <li>2X Membership Rewards<sup>\u00ae<\/sup> points on prepaid hotels and other eligible travel booked on amextravel.com<\/li>\r\n        <li>1X on other eligible purchases<\/li>\r\n        <\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/GoldAmex\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-3daaea492#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n","protected":false},"excerpt":{"rendered":"<p>The American Express\u00ae Gold Card is best known as a strong everyday earner on dining and groceries, but its credits alone can more than offset the card&#8217;s annual fee. Here&#8217;s how to maximize this card&#8217;s credits to get more than $400 in annual value.<\/p>\n","protected":false},"author":104,"featured_media":139261,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12790,12520],"coauthors":[36498],"class_list":["post-217527","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-american-express","tag-card-benefits"],"acf":[],"yoast_head":"<title>Amex Gold Card Dining Credits: How to Utilize All These Perks<\/title>\n<meta name=\"description\" content=\"Using the dining credits with the Amex Gold can add up to over $400 in savings a year, helping to offset the card&#039;s annual fee.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/awardwallet.com\/credit-cards\/amex-gold-dining-credit\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Utilize All of the Dining Credits on the American Express\u00ae Gold Card\" \/>\n<meta property=\"og:description\" content=\"Using the dining credits with the Amex Gold can add up to over $400 in savings a year, helping to offset the card&#039;s annual fee.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/awardwallet.com\/credit-cards\/amex-gold-dining-credit\/\" \/>\n<meta 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