Amex Gold Benefits 2026
Complete list of all American Express Gold Card benefits. The $325 annual fee includes dining and Uber credits plus 4x points on food.
Reviewed August 1, 2026 · Official issuer sources
Maintained card catalog
Current card facts
- Annual fee
- $325
- Rewards
- Membership Rewards
Recurring benefit windows
- Dining CreditUp to $10 · Monthly
- Dunkin' CreditUp to $7 · Monthly
- Uber CashUp to $10 · Monthly
- Resy CreditUp to $50 · Semi-annual
Earning rules
- 5xPrepaid hotels booked through amextravel.com or the Amex Travel App
- 4xAt restaurants worldwide (up to $50K/year)
- 4xAt U.S. supermarkets (up to $25K/year)
- 3xFlights booked directly with airlines, through amextravel.com, or the Amex Travel App
- 2xPrepaid car rentals booked through amextravel.com or the Amex Travel App
- 2xCruises booked and paid through amextravel.com
- 1xAll other purchases
Hotel Benefits
The Hotel Collection
Eligible two-night stays at The Hotel Collection properties booked through AmexTravel.com can include a $100 experience credit. Property participation and benefit terms vary.
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
Do not treat the credits as cash unless they replace spending you would have made anyway. Compare the value you actually captured with the annual fee and the effort of using each monthly or semi-annual window.
FAQ
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 current eligible partners including Grubhub and Seamless, Buffalo Wild Wings, Five Guys, The Cheesecake Factory, Wonder), $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) at current eligible partners including Grubhub and Seamless, Buffalo Wild Wings, Five Guys, The Cheesecake Factory, Wonder. Enrollment is required and the credit resets monthly. There is also a separate $50 semi-annual Resy credit ($100/year) for eligible U.S. Resy purchases.
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).
Sources
- American Express Gold Card benefits - Official dining, Resy, Dunkin, and earning-rate benefits.
- American Express and Uber benefit terms - Official monthly Uber Cash terms for eligible Amex cards.
Reviewed August 1, 2026. Terms can change after publication. Confirm eligibility, enrollment, and account-specific terms with the issuer before acting.
Keep a manual record you can review.
Add the cards you choose and log benefit usage yourself. kardfolio keeps captured value and annual fees together; Pro adds supported reminders where available. It does not read your transactions or know when a benefit was redeemed automatically.