Everything you need to know about Amex Gold benefits — $424 in annual credits, 4x dining & grocery points, and personalized Amex Offers at 100+ merchants. Updated June 2026.
Last Updated: June 2026Offers Verified: WeeklyActive Offers: 23+
$325
Annual Fee
$424
Annual Credits
4x
Dining & Grocery Points
100K
Welcome Bonus Points
Active Offers
Current Amex Gold Card Offers & Discounts
These are active Amex Offers available to Amex Gold cardholders. Offers are personalized — log into your account to see and activate yours. Updated weekly.
Merchant
Offer
Category
Max Value
Status
Grubhub
$10 back per month ($120/year)
Dining
$120/yr
✓ Active
The Cheesecake Factory
$10/month statement credit
Dining
$120/yr
✓ Active
Five Guys
$10/month statement credit
Dining
$120/yr
✓ Active
Dunkin’
$7/month statement credit ($84/year)
Dining
$84/yr
✓ Active
Resy Restaurants
$50 back semi-annually at US Resy restaurants
Dining
$100/yr
✓ Active
CookUnity
40% back, up to $60
Dining
$60
✓ Active
Uber / Uber Eats
$10 Uber Cash monthly for rides & orders
Travel
$120/yr
✓ Active
CLEAR+
50% back, up to $300
Travel
$300
✓ Active
Uber One
Up to $96 back on membership
Travel
$96
✓ Active
Williams Sonoma
Spend $100+, earn $30 back
Shopping
$30
✓ Active
Wine Insiders
Spend $120+, earn $60 back
Shopping
$60
✓ Active
HBO Max
Spend $99+ on annual plan, earn $50 back
Entertainment
$50
✓ Active
Vivid Seats
Spend $400+, earn $60 back
Entertainment
$60
✓ Active
* Amex Offers are personalized. Log in to americanexpress.com to see and activate your specific offers. Offers rotate monthly.
Points Earning
Amex Gold Card Earning Rates
Earn Membership Rewards points on every purchase — with accelerated rates in your biggest spending categories.
4x
Dining Worldwide
At restaurants worldwide, up to $50,000/year then 1x.
4x
US Supermarkets
At US supermarkets, up to $25,000/year then 1x.
5x
Prepaid Hotels
On prepaid hotels booked via AmexTravel.com or the Amex Travel App.
3x
Flights
Booked directly with airlines or on amextravel.com.
Annual Credits
$424 in Annual Statement Credits
The Amex Gold card’s $325 annual fee is offset by $424 in annual credits — here’s every credit available in 2026.
Dining Credit
$120
$10/month at Grubhub, Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder.
Resy Credit
$100
$50 semi-annually at participating US Resy restaurants.
Uber Cash
$120
$10/month in Uber Cash for Uber Eats orders or Uber rides in the US.
Dunkin’ Credit
$84
$7/month at US Dunkin’ locations for coffee, food, and beverages.
Total Annual Credits
$424
Annual Fee
$325
Net Value (before points)
+$99
✓ Card pays for itself before you earn a single point.
How to Activate Amex Offers on Your Gold Card
Activating Amex Offers takes less than 2 minutes. Here’s exactly how to do it.
1
Log In to Your Account
Go to americanexpress.com or open the Amex app on your phone.
2
Navigate to Amex Offers
Click on “Amex Offers” in your account dashboard or card benefits section.
3
Add Offers to Your Card
Browse available offers and click “Add to Card” on every offer you want to use.
4
Shop & Get Credit
Pay with your Amex Gold card at the merchant. Statement credit appears within 2–3 billing cycles.
The Amex Gold card offers 4x Membership Rewards points at restaurants worldwide and US supermarkets, 5x on prepaid hotels via AmexTravel.com, and 3x on flights. Annual credits include $120 dining, $100 Resy, $120 Uber Cash, and $84 Dunkin’ — totaling $424. Cardholders also access personalized Amex Offers at 100+ merchants.
The Amex Gold card has a $325 annual fee. With $424 in annual statement credits, the card nets +$99 in value before earning a single point — making it worth it for frequent diners and grocery shoppers.
Amex Offers are personalized merchant discounts you activate through americanexpress.com or the Amex app. Browse available offers, click “Add to Card,” then pay with your Amex Gold card at that merchant. The statement credit appears within 2–3 billing cycles. New offers are added regularly.
The $10 monthly dining credit applies at Grubhub, Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. Up to $120 per year ($10 per month). Credits don’t roll over — use them each month.
Yes — for frequent diners and grocery shoppers, the Amex Gold delivers exceptional value. The $424 in credits offsets the $325 fee by $99. Add 4x points on dining and groceries plus a welcome bonus of up to 100,000 Membership Rewards points, and total first-year value can exceed $1,500.
Eligible new cardholders can earn up to 100,000 Membership Rewards points after spending $8,000 on purchases within the first 6 months of card membership. Use the CardMatch tool at americanexpress.com to check for targeted higher offers.
Ready to Unlock $424 in Annual Credits?
Apply for the American Express Gold Card today and check your personalized welcome offer — up to 100,000 Membership Rewards points after $8,000 spend in the first 6 months.
