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Amex Gold Card – How To Use the Monthly $10 Dining Credit [2023]

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Stephen Au
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Stephen Au

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Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used...
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Ah, the American Express® Gold Card. Household spending on food has been growing at an impressive pace and this card is an absolute game-changer in the food space thanks to its rewards and benefits for foodies.

One of these benefits is the dining credit, which can be yours every month when making the right purchases.

In this guide, we’ll give you an overview of the benefit, how to use it, and what won’t count towards the $10 monthly credit.

Let’s get right into it!

Amex Gold Card — Snapshot

The Amex Gold card is one of our favorite picks for everyday spending. Everybody has to eat every day, so why not get a card that offers exceptional rewards on your food-related purchases every day?

That’s exactly what the Amex Gold card can offer.

BEST FOR DINING
American Express® Gold CardTerms Apply / Rates & Fees

American Express® Gold Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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!

Learn More(at Amex's secure site)

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!
Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months.
60,000 points
$1,320
$250
See Pay Over Time APR
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 cardapplication.
Good to Excellent (670-850)

The American Express® Gold Card is a game-changer.

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

There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

Pros

  • 4x points per dollar at restaurants, plus takeout and delivery in the U.S.
  • 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year in purchases; and 1x thereafter
  • 3x points per dollar on flights purchased directly from airlines or at Amex Travel
  • Up to $120 annual dining credit: up to $10 monthly statement credit when you pay with the Amex Gold card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations
  • Up to $120 in annual Uber Cash: get $10 monthly in Uber Cash for Uber Eats orders or Uber rides in the U.S. when you add your Gold Card to your Uber account
  • No foreign transaction fees (see rates and fees)
  • Access to Amex’s The Hotel Collection
  • Access to American Express transfer partners

Cons

  • Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.

Financial Snapshot

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

Card Categories

Rewards Center

American Express Membership Rewards

You’ll first start off with an amazing welcome bonus; then, you’ll earn up to 4x Membership Rewards points:

  • 4x points at restaurants, including takeout and delivery in the U.S.
  • 4x points at U.S. supermarkets (up to $25,000 per calendar year)
  • 3x points on flights purchased directly with the airline or at AmexTravel.com
  • 1x points on all other purchases

Just to give you an idea, earning 4x points would be equal to an 8.8% return on spending, which is based on our valuations of Amex Membership Rewards points at 2.2 cents apiece.

To make things better, the Amex Gold card offers up to $240 in statement credits:

  • Up to $120 in Uber Cash every year (up to $10 per month), which is good for rides and Uber Eats orders in the U.S.
  • Up to $120 in dining credits (up to $10 per month) with participating dining partners

Even better, the Amex Gold card allows you to book stays with The Hotel Collection, which essentially offers you 2 key perks on eligible stays of 2 nights or more:

  • Up to $100 property credit
  • Room upgrade, subject to availability

The Amex Gold card has no preset spending limit, which means you can splurge at that fancy restaurant you’ve been eyeing.

Lastly, you’ll find no foreign transaction fees, and no authorized user fee to add up to 5 cards ($35 annual fee per card after that; rates & fees).

What Is the Amex Gold Card Dining Credit of up to $10?

The Amex Gold card’s dining credit of up to $10 is a monthly statement credit offered when you make purchases at participating partners.

The total annual benefit amount you can enjoy from this is up to $120.

You have to use it for purchases with these participating partners upon enrollment:

  • Grubhub
  • The Cheesecake Factory
  • Goldbelly
  • Wine.com
  • Milk Bar
  • Select Shake Shack locations

How Do You Use the Amex Gold Card $10 Dining Credit?

Using the Amex Gold card to get up to $10 off at these merchants per month can be fantastic. But in order to get the benefit, you’ll first need to enroll.

How To Enroll in the Amex Gold Card Dining Credit

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

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

Amex Gold card dining credit
Image Credit: American Express

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

Amex Gold card dining credit
Image Credit: American Express

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

Amex Gold card dining credit
Image Credit: American Express

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

Amex Gold card dining credit
Image Credit: American Express

After you’re enrolled, you can double-check that you are enrolled by following the same instructions and seeing Enrolled in the top-left corner as shown below.

Amex Gold card dining credit
Image Credit: American Express

How To Use the Amex Gold Card Dining Credit

Now that you’re enrolled in the Amex Gold card’s dining credit, the next step is to use it!

This benefit is a “use it or lose it” benefit, so it’s in your best interest to use it every month.

You can get a credit per month with any of the participating partners, and you can redeem it with different partners from month to month.

Just make a purchase with a partner and you’ll get a $10 statement credit. The statement credit generally posts in a few days, but it can take 6 to 8 weeks, according to Amex’s terms and conditions.

Amex Gold card dining credit
Image Credit: American Express

In the image above, you’ll see that the dining credit took around 4 days after the original purchase was made to post.

Best Ways To Use the Amex Gold Card Dining Credit of up to $10

Without a doubt, our favorite way to use up to $10 in dining credits is through Grubhub.

Pretty much any pick-up or delivery order from Grubhub will count towards the $10 dining credit. And since thousands of restaurants are on Grubhub, you can easily find something you like.

Even pick-up orders qualify, so using the dining credit at Grubhub is about as close as you can get to the true face value of the dining credit.

Sure, you can get the dining credit with the other partners, but without Grubhub, it’s hard to get mass appeal and utility from the Amex Gold card’s dining credit.

Hot Tip: Get a free year of GrubHub+ with Amazon Prime to get free delivery on orders of $12+ … a savings of $9.99 per month!

What Doesn’t Count Towards the Amex Gold Card Dining Credit?

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.

Pretty much any other merchant besides those listed in the benefit terms is ineligible to earn the dining credit.

To get the dining credit, you’ll need to make an eligible purchase at Goldbelly, Grubhub, Milk Bar, The Cheesecake Factory, Shake Shack (select locations only), and Wine.com.

Any other purchase will not count towards the dining credit. Lastly, purchases at Shake Shack locations in airports, ballparks, museums, racetracks, rest areas, and stadiums will not qualify for the dining credit.

Hot Tip: Although authorized users can use the dining credit every month, they will not get their own dining credits. So remember, it’s up to $10 across all cardholders.

Is the Amex Gold Card Dining Credit Worth It?

We love the fact that the dining credit can easily be used through Grubhub.

And the fact that, if used every month, the dining credit offsets the Amex Gold card’s annual fee by almost half, is yet another lovable feature of the Amex Gold card.

Indeed, the dining credit of up to $120 and Uber Cash of up to $120, when properly utilized, pretty much offset the entire annual fee of the Amex Gold card, making it an absolute no-brainer to hold long-term.

Final Thoughts

The Amex Gold card is a spectacular rewards card you should be keeping in your wallet.

And although the card has an annual fee, the monthly dining credit can easily make the economics more favorable for you.

We are absolute fanatics of the Amex Gold card, and the dining credit (especially when used with Grubhub) allows us to enjoy a discounted (or potentially even free) meal every month.

Just enroll in your benefit online and make your purchase! You’ll usually see the credit post in a few days, but Amex states 6 to 8 weeks as the typical timeframe.

For rates and fees of the American Express® Gold Card, click here.

Frequently Asked Questions

Does the Amex Gold card give a Grubhub credit?

The Amex Gold card doesn’t give a standalone Grubhub credit, but the $10 monthly dining credit can be used with Grubhub (among other partners, such as select Shake Shack locations).

Does Grubhub count as dining with Amex?

Yes! Amex considers Grubhub to be a restaurant, so you’ll earn 4x points on your purchases there.

Does Starbucks count as dining with the Amex Gold card?

In most cases, Starbucks counts as dining with the Amex Gold card.

Is the Amex Gold card worth it?

In our eyes, it’s a no-brainer that the Amex Gold card is totally worth it. You’ll get some incredible rewards, awesome benefits that reduce the annual fee significantly, and perks like no preset spending limit and purchase protection. Plus, the Amex Gold card is made of metal!

Stephen Au's image

About Stephen Au

Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used by hundreds of clients.

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