Amex Gold Card — How To Use the $7 Monthly Dunkin’ Credit

Points and miles are sweet, but you know what’s even sweeter? Especially in the morning and possibly dunked into a steaming hot cup of coffee?

That’s right, doughnuts.

But you no longer have to choose between infusing points and miles into every aspect of your life and shortening your lifespan with sugar-laden, fat-fried rings of mass-produced dough: American Express has refreshed its American Express^® Gold Card benefits to now include a credit of up to $7 a month for U.S. Dunkin’ purchases. (That’s up to $84 a year.)

We’ll tell you how it works and how to enroll — you’ll be dropping r’s like a Southie from Boston.

Amex Gold Card — Snapshot

BEST FOR DINING

Terms 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!

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

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

Earn 60,000 Membership Rewards^® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.

60,000 points

UP's Bonus Valuation*:

$1,200

Annual Fee

$325

APR

See Pay Over Time APR

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 cardapplication.

Good to Excellent (670-850)

Why We Like This Card

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

With this 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 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 & Cons

Pros

• 4x points per dollar at restaurants worldwide, up to $50,000 per calendar year; then 1x thereafter
• 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year; then 1x thereafter
• 3x points per dollar on flights purchased directly from airlines or at AmexTravel.com

Cons

• $325 annual fee (rates and fees)
• No lounge access

Read Full Review

Card Highlights

• Earn 60,000 Membership Rewards^® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
• 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 3X Membership Rewards^® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
• Earn 2X Membership Rewards^® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
• Earn 1X Membership Rewards^® point per dollar spent on all other eligible purchases.
• $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. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.
• $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express^® Gold Card at U.S. Dunkin' locations.
• $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express^® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
• $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. 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, and Five Guys. Enrollment required.
• Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges with every booking of two nights or more through AmexTravel.com. Eligible charges vary by property.
• No Foreign Transaction Fees.
• Annual Fee is $325.
• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.

Financial Snapshot

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

Rewards Center

American Express Membership Rewards

The Amex Gold card is one of our top choices for everyday spending with bonuses like:

• 4x points at restaurants, including takeout and delivery in the U.S. (up to $50,000 per calendar year)
• 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

Think of it this way: Earning 4x points is the equivalent of an 8.8% return on spending. We’re basing that figure on our valuations of Amex Membership Rewards points, which are currently worth 2.2 cents apiece.

Plus, the Amex Gold card has other statement credits besides the Dunkin’ credit, which, hold your horses, we’ll get to in a bit:

• Up to $120 in Uber Cash — Receive up to $120 annually (up to $10 per month) in Uber Cash for rides or Uber Eats orders within the U.S. The Amex Gold card must be added to the Uber app to receive the Uber Cash benefit.
• Up to $120 in Dining Credits — Receive up to $120 annually (up to $10 per month) in dining credits to use at participating dining partners, including Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
• Up to $100 in Resy Credit — Receive up to $100 annually (2 semiannual credits of up to $50) redeemable at any U.S. Resy restaurant and other eligible Resy purchases. Enrollment required.

And, of course, you can book stays with The Hotel Collection. With eligible stays of 2 nights or more, you also get up to $100 property credit and a room upgrade, subject to availability.

The Amex Gold card has no foreign transaction fees, and no authorized user fee for up to 5 cards ($35 annual fee per card after that; rates & fees).

What Is the Amex Gold Card Dunkin’ Credit?

Yes, you’ve finally made it to the part about the doughnuts!

The Amex Gold card’s new Dunkin’ credit allows you to receive up to a $7 statement credit each month for purchases you’ve made at U.S. Dunkin’ locations using your card.

You don’t have to order just doughnuts, of course — Dunkin’ has dropped the “Donuts” from its name, after all. The statement credits can be used for Dunkin’ coffees, Dunkin’ frozen drinks, Dunkin’ wraps, Dunkin’ hash browns, Dunkin’ bagels — the brand has a much larger menu now than you probably remember (unless you live in New England). It’s really been a whole thing.

So go ahead and use your monthly credit of up to $7 on whatever not-a-doughnut menu item you want at Dunkin’ — we’re not here to yuck your yum. Just know we’ll just be using ours on a couple of Bavarian Kremes.

How To Enroll in the Amex Gold Card Dunkin’ Credit

So, no, you can’t just walk into your nearest Dunkin’ and expect to get $7 off your next statement. You have to proactively enroll in this card benefit first.

First, log in to your online Amex account. Then, go to your Amex Gold card account and click Rewards & Benefits. Then, click the Benefits button on the right.

Find the Dunkin’ statement credit benefit.

Click Enroll Now, and that’s it — you’re on your way to a couple extra glazed doughnuts (or breakfast wraps, if that’s your thing) every month!

From now on, when you mosey over to this page, you should see that it says “Enrolled” in the top-left corner.

How To Use the Amex Gold Card Dunkin’ Credit

Once you’ve enrolled in the benefit, just make your purchase, and you’ll see the credit post in a few days, though Amex says you might have to wait 6 to 8 weeks.

Note that if you don’t use the statement credit one month, it won’t carry over to give you up to $14 in statement credits the next. This is a use-it-or-lose-it benefit.

Best Ways To Use the Amex Gold Card Dunkin’ Credit

1. Doughnuts (filled)
2. Doughnuts (glazed but not filled)
3. Doughnuts (all other kinds)
4. Frozen drinks on a hot day
5. Coffee, if you like Dunkin’ coffee
6. Breakfast sandwiches
7. Bagels
8. Coffee, if you don’t like Dunkin’ coffee

What Doesn’t Count Toward the Amex Gold Card Dunkin’ Credit?

Doughnuts from Krispy Kreme, Tim Horton’s, Hostess, Entenmann’s, Little Debbie, Tastykake, Dolly Madison, Starbucks, and so on do not count toward your Dunkin’ statement credit. The purchase must be made directly at a Dunkin’ location.

Is the Amex Gold Card Dunkin’ Credit Worth It?

If you used your Amex Gold card’s Dunkin’ statement credit religiously every month, you’d get $84 in value, which is a good chunk of the card’s annual membership fee.

That said, no matter how much you like doughnuts, your doctor would probably advise you to consume such sugary, fatty treats in moderation.

Final Thoughts

So, in case you couldn’t tell, we have a little bit of a crush on the Amex Gold card. It’s an amazing everyday card with valuable benefits, including this smashing new monthly Dunkin’ statement credit. Plus, it looks great in tight jeans.

Sure, it’s a pricier date than some with its annual fee, but the monthly Dunkin’ can help take the sting out of the annual payment — and possibly turn you into a Red Sox fan. So why not let Amex treat you to a free breakfast or 2 every month?