How to Track and Use Amex Gold Card Credits (June 2026)
How to Track and Use Amex Gold Card Credits (June 2026)
NC
nextcard teamPublished Jun 21, 2026
NC
nextcard teamPublished Jun 21, 2026
How to Track and Use Amex Gold Card Credits (June 2026)
Understanding Amex Gold Card Credits: The Full $520 Breakdown
Advertiser Disclosure: nextcard may receive compensation from card issuers. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airlines or hotel chain. For the most up-to-date terms & conditions, refer to the official credit card application on the issuer's website.
The information related to American Express® Gold Card and American Express Platinum Card® was collected independently by nextcard and has not been reviewed or provided by the card issuer.MoreLess Product details may vary. Please see the issuer website for current information. nextcard does not receive commission for this product.
The American Express Gold Card annual fee 2026 is $325, and you can get over $500 in credits right now, but there's a long list of credits and benefits to keep track of.
TLDR:
The Amex Gold Card (as of June 2026) offers up to $520 in credits right now against a $325 fee; up to $424 in recurring annual credits plus a limited-time up to $96 Uber One benefit through October 2026.
You must manually enroll in dining, Resy, and Dunkin' credits through your Amex account before they'll post.
All credits do not roll over. Use it or lose it.
nextcard tracks your credits across all cards and sends reminders before they expire.
Related articles
Understanding Amex Gold Card Credits: The Full $520 Breakdown
The American Express Gold Card is structured so that its entire annual fee (and then some) comes back to you through statement credits. If you actually use them, the credits total up to $520 in value right now, with $424 in recurring annual credits.
Here's how that breaks down:
Credit
Amount
Frequency
Enrollment Required?
Dining Credit
Up to $120/yr
Up to $10/month
Yes
Uber Cash
Up to $120/yr
Up to $10/month
No (Just add card to Uber)
Dunkin' Credit
Up to $84/yr
Up to $7/month
Yes
Resy Credit
Up to $100/yr
Up to $50 semi-annually
Yes
Uber One Credit (limited-time, through Oct 2026)
Up to $96/yr
One Time Offer
Yes
The catch: these credits reset monthly or semi-annually and don't roll over. Forget the $10 dining credit in January and it's gone. The $96 Uber One offer also disappears after October 2026.
Keeping track of five separate resets is where a lot of cardholders leave money on the table, which is where nextcard comes in. The sections below walk through each credit one by one.
How to Enroll in Amex Gold Credits (Required First Step)
Most Amex Gold credits don't activate automatically. You have to enroll in most of them through your American Express account before any spending counts toward the benefit, enrollment required. Let me be clear: no activation = no credit used.
Here's how to get set up:
Log into your American Express account at americanexpress.com or open the Amex app, then head to the benefits section of your Gold Card account page.
Scroll down to the "Enroll" section, and click through to enroll in each benefit individually. Each benefit is its own enrollment, so you can't opt into all of them at once.
Once enrolled, your eligible purchases will automatically trigger the credit going forward. You can see I've already enrolled in these below.
Separately from the recurring annual credits, you can opt into the Uber One limited time credit by going into the Amex Offers section of your account under Earn and Redeem, and adding the Uber One $96 dollar offer, which covers the membership for an entire year.
With the nextcard Chrome extension, you can add this and all other offers just by signing into your account and hitting Start under the nextcard tools Amex Offers.
What Happens If You Skip Enrollment
Skipping enrollment means you simply won't receive the credit, even if you shop at a qualifying merchant and would otherwise qualify. American Express won't retroactively apply credits for purchases made before you enrolled, so getting this done early in your card membership matters.
The Five Credits, One by One
There's a lot to keep track of with the American Express® Gold Card. Note: all values here are maximums. You can earn up to each value listed.
$120 Uber Cash: $10 Monthly for Rides and Food
This is the only benefit where enrollment is not required. Simply open the Uber app, add your Gold Card as a payment method, and $10 of Uber Cash will be deposited in your Uber Wallet every month, ready for use.
You can use the $10 Uber Cash on either Uber rides or Uber Eats, and it doesn't have to be spent all in one go.
$120 Dining Credit: $10 Monthly at Grubhub, Five Guys, and More
The five qualifying merchants are Grubhub (including Seamless), The Cheesecake Factory, Five Guys, Buffalo Wild Wings, and Wonder. Buffalo Wild Wings and Wonder joined in April 2026 as part of American Express's 60th anniversary refresh, replacing Goldbelly and Wine.com.
Once you're enrolled, the credit triggers automatically when you pay with your Gold Card at any of these merchants, in person or online. The $10 monthly cap applies to your whole account, not per merchant. Spend $6 at Five Guys and $8 at Grubhub in the same month and you'll still only get $10 back total.
I personally don't frequent any of the aforementioned restaurants, so the best use of this credit for me has been through Grubhub. At least once a month my roommate (also an Amex Gold cardholder) and I will order separate Grubhub pickup orders from one of our usual takeout spots and shave $10 off the total price with this credit.
$100 Resy Credit: $50 Twice a Year
You get up to $50 in statement credits twice a year, once for January through June and once for July through December, for up to $100 annually once you enroll via your American Express account. The restaurant just has to be a participating Resy spot, and you pay with your Gold Card.
How useful this is depends on where you live. Resy's network runs deep in major metros and thins out in smaller markets, but the semi-annual structure makes it easier to use than the monthly credits: longer window, higher per-use value, and $50 covers a real dinner for two.
$84 Dunkin' Credit: $7 Monthly
After you enroll, up to $7 posts automatically each month when you pay with your Gold Card at a U.S. Dunkin'. It's the smallest credit, but $84 a year is still $84.
This one's the least useful to me month-to-month, so I just reload $7 to my Dunkin' app balance every month. The app balance never expires, so I've been stacking it for years and pull from it whenever I need to bring coffee or donuts to something.
$96 Uber One Credit: Limited Time, Through October 2026
This one is easy to overlook because it was just released on April 30, 2026, and is technically an "offer" and not a core "benefit" of the card. The distinction is that enrollment is done through "Amex Offers" and not through the typical "Benefits" section where the other credits are.
With the nextcard Chrome extension, you can add all eligible offers just by signing into your account.
After you've added the offer to your card, simply sign up for Uber One via the app or website and pay with your Amex Gold. IMPORTANT: make sure to toggle OFF your Uber Cash (if you have any) when paying for Uber One, so that you capture the full $96 value, and don't waste your $10 Uber Cash credit.
How to Track Your Credits
The hardest part of the Amex Gold isn't earning the credits, it's remembering they exist. Dining, Uber Cash, and Dunkin' reset on the first of every month, Resy runs on six-month halves, and Amex sends no warning before anything lapses. That's how a $10 here and there quietly turns into $100+ left on the table every year.
This is the problem nextcard was built to solve. It surfaces what's still unspent for the current period, reminds you ahead of each reset (including the easy-to-miss Resy windows that close June 30 and December 31), and rolls every card you carry into one view so you're not juggling separate issuer apps. Below is the Credits section of my nextcard wallet filtered on American Express Gold... end of the month and everything's used (shoutout nextcard!).
If you'd rather track manually, the Amex app shows each credit under "Benefits" with what you've used and what remains, and your monthly statement itemizes credits as they post.
The catch: it's on you to check on the right schedule for every credit, which is exactly the kind of routine that's easy to drop. The goal is to make redemption a routine instead of a scramble.
Final Remarks
For me, the Amex Gold more than pays for itself, but only because I treat the credits as a monthly routine instead of something I hope to remember. The $325 fee looks steep until you actualize the credits, at which point it covers itself before you've earned a single point (4x on dining and groceries btw). The catch: credits reward people who track them. If you'd have to invent trips to eat out, the card may not pay off the way the numbers suggest — which is the whole reason I lean on nextcard to make sure nothing quietly expires.
FAQs
If I use a benefit on the last day of the month, will I receive my credit?
The merchant must post the charge on the last day of the month (i.e., May 31st) in order for the credit to be triggered for that month. If the merchant posts the charge at the start of the next month (i.e., June 1st), the credit for May will be forfeited.
Which Amex Gold credits require enrollment?
The dining, Dunkin', and Resy credits all require you to enroll through the Benefits section of your account before any spending counts. Uber Cash is the exception and works automatically once your Gold Card is added in the Uber app. Skip enrollment and Amex won't apply the credit retroactively, so it's worth doing early.
How do I capture the special $96 Uber One credit?
Add the offer through Amex Offers (the nextcard Chrome extension can add it for you in one click), then sign up for Uber One in the Uber app or site and pay with your Gold Card.
One thing people miss: toggle OFF your Uber Cash at checkout, otherwise it gets applied to the membership and you waste your $10 monthly credit instead of letting the offer cover the full $96.
If I order Five Guys through Uber Eats, do I get both credits?
No, you'd only get $10 off, not $20. The dining credit only triggers when the transaction codes as one of the five named partners, and an Uber Eats order codes as Uber, so it taps your Uber Cash instead.
To capture the dining credit at a partner like Five Guys, order through Grubhub (or pay in person), not Uber Eats or DoorDash. The two credits don't stack on a single food order, but you can use them separately in the same month, say Uber Cash on a ride and the dining credit on a Grubhub order, for $20 total.
Amex Gold vs Amex Platinum for dining?
The Gold offers up to $120/year in dining credits plus up to $100/year through Resy, while the American Express Platinum Card® leans toward travel with a much higher fee. If your spending revolves around food and restaurants moreso than flights and hotels, the Gold is the stronger fit.
When do I pay the annual fee?
You pay the $325 fee when you open the card, then again each year on your membership anniversary. It posts at the start of each membership year, before any credits accumulate.
What if a credit doesn't post?
Give it 5 to 7 business days after the transaction posts. If it still hasn't appeared, first confirm you're actually enrolled in that credit, since a missing enrollment is the most common culprit. If enrollment is fine, contact Amex through the app's chat or the number on your card with the date, merchant, and amount ready, and they can usually apply it manually when the purchase clearly qualifies.
