Amex Gold Card: How To Use the Monthly $10 Dining Credit [2026]

The American Express^® Gold Card offers a $10 monthly credit, worth up to $120 annually, and can be applied to purchases at Buffalo Wild Wings, The Cheesecake Factory, Five Guys, Grubhub, and Wonder. Enrollment is required before you can receive a statement credit for purchases.

This guide explains how the credit works, which purchases qualify, and what to do if a credit does not post.

Quick Overview: Amex Gold Card Dining Credit

With the Amex Gold card, you receive a $10 monthly dining credit (up to $120 per year) at 5 participating partners: Buffalo Wild Wings, The Cheesecake Factory, Five Guys, Grubhub, and Wonder.

Enrollment is required through your Amex online account before the credit activates, and the credit is use-it-or-lose-it, so unused credits do not roll over to the following month.

Grubhub offers flexibility with multiple restaurants to order from, and both pickup and delivery orders qualify.

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American Express^® Gold Card

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This is the best card for food lovers who dine out at restaurants (worldwide), order take-out, and want big rewards at U.S. supermarkets.

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American Express^® Gold Card

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out, and want big rewards at U.S. supermarkets.

Welcome Offer

You may be eligible for as high as 100,000 Membership Rewards^® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer.

As High As 100,000 Points. Find Out Your Offer.

UP's Offer Valuation*:

Up to $2,200

Annual Fee

$325

APR

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Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

With the Amex Gold card, you can earn 4x Membership Rewards points at restaurants, up to $50,000 per calendar year, and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year, then 1x.

There are several other benefits of the Amex Gold card, including monthly dining credits.

Pros & Cons

Pros

• 5x points on prepaid hotels via AmexTravel.com or the Amex Travel App
• 4x points at restaurants worldwide, up to $50,000 per calendar year; then 1x thereafter
• 4x points at U.S. supermarkets, up to $25,000 per calendar year; then 1x thereafter

Cons

• $325 annual fee (rates and fees)
• 4x categories for restaurants and U.S. supermarkets have annual spend caps

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Card Highlights

• You may be eligible for as high as 100,000 Membership Rewards^® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
• Earn 4X Membership Rewards^® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 4X Membership Rewards^® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 5X Membership Rewards^® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
• Earn 3X Membership Rewards^® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
• Earn 2X Membership Rewards^® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
• Earn 1X Membership Rewards^® point per dollar spent on all other eligible purchases.
• Pay It^® lets you tap in the American Express^® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It^® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
• $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
• $100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express^® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
• $84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express^® Gold Card at U.S. Dunkin’ locations. Enrollment required.
• $120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
• Enjoy complimentary Hertz Five Star^® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
• Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
• Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express^® service and support. Only for American Express^® Card Members.
• Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
• No Foreign Transaction Fees.
• Annual Fee is $325.
• Terms Apply.

Financial Snapshot

• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Hot Tip: Apply and find out if you’re eligible for a welcome bonus offer as high as 100,000 points with the Amex Gold card. Welcome offers may vary, and you may not be eligible for an offer.

Usually, statement credits post within a few days of your purchase, but can take up to 8 weeks.

Authorized users on your Amex Gold card do not receive a separate credit. The $10 monthly credit is shared across all cardholders on the account.

Do Gift Cards Count Toward the Amex Gold Card Dining Credit?

Gift card purchases from any of the 5 eligible merchants do not count toward the up to $10 monthly Amex Gold card dining credit (Source: American Express).

Stick to regular food and beverage purchases from eligible merchants to receive the credit each month and ensure that your purchases code properly.

Why Didn’t My Dining Credit Post?

A credit may not post if you didn’t enroll in the benefit prior to making your purchase, your purchase was with an ineligible merchant, you purchased an ineligible product like a gift card, or it’s taking a bit of time to credit.

Typically, these purchases are credited a few days later, but can take up to 8 weeks. If more than 8 weeks have passed since you made the purchase and you still haven’t received the credit, check your benefits section in the Amex app or on the website to confirm your enrollment and credit usage. You can contact American Express customer support by calling the number on the back of your card or through the Amex mobile app or website.

How To Get and Use the $10 Dining Credit

To get the $10 monthly dining credit benefit, you first need to enroll.

Enroll First

Enrolling in the Amex Gold card’s dining credit can be accomplished with just a few clicks.

First, log in to your online Amex account. Navigate to your Amex Gold card and click Rewards & Benefits.

After that, click the Benefits button on the right-hand side.

Scroll down until you see a grid of card benefits. Find the box that says $120 Dining Credit. Click Enroll Now.

After that, click Enroll Now again, and you’re done!

After you’re enrolled, you can confirm enrollment by repeating the process and seeing Enrolled in the top-left corner.

Use It or Lose It

After enrollment in the Amex Gold card’s dining credit, the next step is to use it. This is a “use it or lose it” benefit, so it’s best to use it every month. You can earn a monthly credit with any participating partner and redeem it with different partners month to month.

Just make a purchase with a partner, and you get up to a $10 statement credit. The statement credit generally posts in a few days, but it can take up to 8 weeks (Source: American Express).

Best Ways To Use the $10 Dining Credit

A good way to use $10 in dining credit is with Grubhub.

Most Grubhub orders count towards the $10 dining credit, and thousands of restaurants are on Grubhub. Even pick-up orders qualify, so this is an easy way to get the true face value of the dining credit.

Hot Tip: Get free Grubhub+ with Amazon Prime for $0 delivery fees on orders of $12 or more, a savings of $9.99 per month.

Noneligible Dining Purchases

The dining credit on the Amex Gold card only counts for specific purchases. You can’t just go to the drive-thru at McDonald’s or Burger King and expect the dining credit to cover your purchase. Only the merchants listed in the benefit terms are eligible.

To get the dining credit, make an eligible purchase at Buffalo Wild Wings, The Cheesecake Factory, Five Guys, Grubhub, or Wonder. Any other purchase will not count toward the dining credit.

Is the Amex Gold Card Dining Credit Worth It?

If used monthly, the dining credit offsets almost half of the Amex Gold card’s annual fee.

Combined with Uber Cash, the Resy credit, and Dunkin‘ credit (enrollment required), the dining credit can offset the entire annual fee of the Amex Gold card if you fully use each benefit. That makes it worth holding long-term.

Final Thoughts

The $10 monthly credit on the Amex Gold card is one of the benefits that make the card worth holding if you regularly use it at Buffalo Wild Wings, The Cheesecake Factory, Five Guys, Grubhub, and Wonder.

Enroll in the benefit online and make a qualifying purchase. The credit usually posts in a few days, but it could take up to 8 weeks.