A Complete Guide to Amex Gold Dining Credit

He American Express® Gold Card It comes with many perks, including 4 points per dollar spent on dining and shopping at US supermarkets. Earning bonus points at US restaurants and supermarkets is capped at $50,000 per year and $25,000 per year (respectively), and you receive 1 point per dollar spent after you reach those limits.

You’ll also receive up to $10 each month in Uber Cash for rides and Uber Eats orders in the US after you add your Amex Gold to your Uber account and pay with any Amex card.

Cardholders can also receive up to $100 each calendar year in statement credits for purchases at Resy-affiliated restaurants in the U.S. (received in semi-annual increments of up to $50). Finally, they can receive up to $84 per calendar year in statement credits for Dunkin’ purchases in the US (up to $7 per month).

But in addition to other great benefits on the cardOne may not be on your radar: monthly statement credits for meals.

Amex Gold offers cardholders up to $120 per calendar year in statement credits (up to $10 per month) toward dining purchases at select merchants.

While you need to enroll your card for these benefits, it’s a great way to save money every month. In fact, maxing out these benefits completely covers the card’s $325 annual fee (see rates and fees).

Read on to find out how to use the dining benefits of Amex Gold.

Amex Gold Eligible Restaurant Merchants

You can use your American Gold monthly dinner extract credits at the following merchants:

• Wild buffalo wings
• five boys
• golden belly*
• grubhub
• The cheesecake factory
• Wine.com*
• Wonder

*Available until June 30

After you sign up and use your Amex Gold card at any of these merchants, you’ll automatically receive a statement credit of up to $10 each month (up to $120 each calendar year).

Because you are purchasing directly from the merchant, you can also stack this benefit with corresponding ones. Amex Offers or bonuses through online shopping portals.

Related: Why I love my Amex Gold card and will keep it for many years

How to Use Resy and Dunkin’ Statement Credits

Resy and Dunkin’ statement credits are easy to use. to receive a Resy Statement CreditYou just need to make a purchase at a Resy affiliated restaurant in the US. No reservations necessary.

Please note that this statement credit is awarded every two years in increments of up to $50. It is important to time your purchases well to make the most of this benefit. Keep an eye on your statement to make sure credit is recorded correctly.

TPG Contributing Editor for Credit Cards Matt Moffitt He has used his credit at two Resy-affiliated restaurants in Austin, Texas, and has had different experiences.

The first time, the statement credit did not post correctly. He believes that’s because the restaurant was part of a boutique hotel and the restaurant charge was coded under the hotel name, not the restaurant name. He waited the mandatory eight weeks to see if it would be automatically published.

It didn’t, so he used the online chat feature of his Amex account to request manual credit, which was granted.

The second time, she made a purchase at an independent restaurant and received the statement credit automatically after five days.

For the Dunkin’ statement credit, making any purchase at a Dunkin’ US location will earn you up to $7 in statement credits each month (up to $84 each calendar year). If you drink coffee frequently, it should be easy to get the full value of this credit.

Be sure to check to see if Dunkin’ is in your area before including those statement credits in your actual cost. American Gold for you. If you don’t have a location nearby, you can activate the credit by reloading your balance through the Dunkin’ mobile app.

Registration is required for these benefits.

Related: How to Maximize Amex Gold Credits When Traveling Abroad

How to Sign Up for Amex Gold Dining Statement Credits

You cannot receive monthly meal statement credits in the American Gold without first enrolling in benefits.

So how do you sign up? Let’s use the statement credit for meals up to $120 as an example.

If you’re using the American Express mobile app, choose the “Membership” icon at the bottom of your home page and then tap “Explore all card benefits” to see a full list of benefits, some of which require enrollment.

From there, look for “$120 Dining Credit” and see if you are already enrolled.

Otherwise, tap it and you will be taken to a page where you can complete the registration.

If you are using a computer, log into your American Express account and navigate to your Amex Gold card. Click “Rewards & Perks,” then click “Perks” on the right side of the page (inside the blue menu bar at the top).

From there, you should see the option to enroll in the dining statement credit of up to $120 (or an indication that you’re already enrolled). Rinse and repeat these steps for the other two gastronomic benefits.

A benefits tracker also shows how much of your credit you’ve used so far this month and throughout the year, resetting on January 1 of each year.

Please note that you only need to complete registration once. You don’t have to do it every month. Once your card is registered, you can use the benefits every month.

Related: Amex Gold Checklist: 5 Things to Do When Getting the Card

Important reminders

In addition to the requirement to enroll your card to receive monthly statement credits, there are some additional caveats for the American Gold dining credits.

First, the meal credit is different from uber benefit on the card. When you add your Amex Gold to your account, you’ll receive up to $10 in Uber Cash each month (up to $120 each calendar year).

This Uber Cash is valid for Uber Eats orders and Uber rides in the US. An Amex card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.

While you can use your Uber Cash at any restaurant available through the Uber Eats app, you can use the credit for dining only at the businesses listed above. However, Grubhub has a wide variety of places to dine, and you might even find a new favorite in the process.

And remember, Amex Gold is offering special limited-time anniversary offers, including the ability to sign up for a one-time statement credit of up to $96 when you use Amex Gold to pay for an annual Uber One membership, unlocking exclusive savings and benefits on Uber and Uber Eats. This is available until October 30.

As long as you sign up in advance and use your card at an approved merchant, you should receive a statement credit within a few days.

There are two other things you should also know.

Firstly, purchases made by authorized users will activate these benefits. Authorized users do not receive separate statement credits each month, so be sure to coordinate with them when using these benefits.

Second, dining statement credit up to $120 cannot be used to purchase gift cards or merchandise.

Related: When you should (or shouldn’t) use the Amex Gold card

In a nutshell

Amex Gold offers three dining statement credits to help offset its hefty $325 annual fee. If you are considering this card or decide to keep it, these benefits can help you decide if it is right for you.

Make sure you can use these statement credits consistently before including them in the projected value you’ll get from the card.

For more information, see our full review of the Amex Gold.

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Apply here: American Express Gold Card

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For Amex Gold Card rates and fees, click here.