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

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American Express^® Gold Card

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The rating for this card has been determined by our own industry experts who know the ins and outs 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!

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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

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

• 5x points per dollar on prepaid hotels via AmexTravel.com or the Amex Travel App
• 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

Cons

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

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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.
• New! 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.
• Updated! $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.
• New! As an American Express^® Gold Card Member, you can enjoy complimentary Hertz Five Star^® Status. Enjoy 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.
• Take advantage of a $100 credit towards eligible charges* at over 1,300 upscale hotels worldwide when you book The Hotel Collection through AmexTravel.com or the Amex Travel App **. *Eligible charges vary by property. **The Hotel Collection requires a two-night minimum stay.
• 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

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

• 5x points on prepaid hotels via AmexTravel.com and the Amex Travel App™
• 4x points at restaurants worldwide (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
• 2x points per dollar spent on prepaid car rentals and cruises via 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, Buffalo Wild Wings, Wonder, 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?