What are the Amex Gold benefits?

The Amex Gold card benefits include $120/year Uber Cash ($10/month), $120/year dining credit ($10/month at Grubhub, Cheesecake Factory, Goldbelly, Wine.com, Five Guys), $84/year Dunkin' credit ($7/month), $100/year Resy credit ($50 semi-annually), 4x points at restaurants worldwide, 4x points at U.S. supermarkets (up to $25k/year), and 3x points on flights. The card has a $325 annual fee.

How much is the Amex Gold Uber credit?

The Amex Gold provides $120 per year in Uber Cash: $10 per month. Credits are automatically added to your Uber account on the first of each month and can be used for Uber rides or Uber Eats. Unused monthly credits do not roll over to the next month.

What is the Amex Gold dining credit?

The Amex Gold dining credit is $10 per month ($120/year) that can be used at select restaurants: Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. The credit requires enrollment and resets monthly. Additionally, there is a separate $50 semi-annual Resy credit ($100/year) for dining at Resy restaurants.

Does Amex Gold have lounge access?

No, the Amex Gold card does not include airport lounge access. Lounge access is a benefit of the Amex Platinum card ($895/year). The Gold card focuses on dining and grocery rewards rather than travel perks.

When do Amex Gold credits expire?

Amex Gold credits have different expiration schedules: Uber Cash ($10) expires at the end of each month, Dining credit ($10) expires monthly, Dunkin credit ($7) expires monthly, and Resy credit ($50) expires semi-annually (Jan-Jun and Jul-Dec periods).

Amex Gold Benefits 2025

Complete list of all American Express Gold Card benefits. The $325 annual fee includes dining and Uber credits plus 4x points on food.

Last updated: December 2025

Annual Fee & Value Overview

The American Express Gold Card has a $325 annual fee. The card offers approximately $424 in annual credits plus strong earning rates on dining and groceries.

Statement Credits

The Amex Gold includes the following statement credits:

Monthly Credits

Uber Cash: $10/month ($120/year) - For Uber rides and Uber Eats
Dining Credit: $10/month ($120/year) - At Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Five Guys
Dunkin' Credit: $7/month ($84/year) - At Dunkin' locations

Semi-Annual Credits

Resy Credit: $50/half ($100/year) - At participating Resy restaurants (Jan-Jun and Jul-Dec)

Points Earning Rates

The Amex Gold offers some of the best earning rates for food spending:

4x points - Restaurants worldwide (up to $50,000/year, then 1x)
4x points - U.S. supermarkets (up to $25,000/year, then 1x)
3x points - Flights booked directly with airlines or amextravel.com
2x points - Prepaid hotels via AmexTravel.com
1x point - All other purchases

Membership Rewards points transfer 1:1 to airline and hotel partners including Delta, British Airways, ANA, Singapore Airlines, and Marriott.

Hotel Benefits

The Hotel Collection

$100 experience credit at The Hotel Collection properties when booking 2+ night stays through AmexTravel.com. This benefit is the same as offered on the Platinum card.

Travel Insurance & Protections

Baggage Insurance

Coverage for lost, damaged, or stolen baggage: up to $1,250 for carry-on baggage and up to $500 for checked baggage.

Car Rental Insurance

Secondary coverage for damage or theft of rental vehicles when you decline the rental company's CDW and pay with your Gold card.

Purchase Protections

Purchase Protection: Up to $10,000 per item for 90 days against damage or theft
Extended Warranty: Adds 1 year to manufacturer warranties up to 5 years

Other Benefits

No Foreign Transaction Fees - Use abroad without extra charges
Global Assist Hotline: 24/7 emergency assistance when traveling 100+ miles from home
Events with Amex: Presale and special ticket access to select events
Send & Split: Send money to Venmo/PayPal users fee-free
Plan It: Split purchases of $100+ into monthly payments

What's NOT Included

Unlike the Amex Platinum ($895/year), the Gold card does not include:

Airport lounge access (no Centurion, Priority Pass, or Sky Club)
Hotel elite status (no Marriott Gold or Hilton Gold)
Global Entry/TSA PreCheck credit
CLEAR credit
Airline fee credit
Fine Hotels + Resorts benefits

Is the Amex Gold Worth It?

The Amex Gold is ideal for people who spend heavily on dining and groceries. The $325 annual fee can be offset by:

$120 Uber Cash (easy to use)
$120 dining credit (at select merchants)
$84 Dunkin' credit
$100 Resy credit
= $424 in annual credits

If you use all the credits, the card effectively has a negative annual fee before considering the 4x earning rate on restaurants and groceries. The Gold card is better than the Platinum for dining-focused spenders who don't need travel perks.

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