American Express · checked Nov 8, 2026
Amex Gold benefits and credits
The Amex Gold has 4 recurring statement credits worth up to $424 a year at face value, against a $325 annual fee. Here is every one: what it pays, when it resets and whether you need to enroll.
| Credit | Amount | Resets | Enroll? |
|---|---|---|---|
| Dining credit Grubhub, Seamless, Buffalo Wild Wings, Five Guys, The Cheesecake Factory, Wonder. | $10 a month | Resets on the 1st of every month. | Yes |
| Uber Cash Arrives as Uber Cash in the app. Add the card to Uber directly. | $10 a month | Resets on the 1st of every month. | Yes |
| Resy credit Qualifying U.S. Resy restaurants. | $50 every six months | Resets on January 1 and July 1. | Yes |
| Dunkin' credit U.S. Dunkin' locations. | $7 a month | Resets on the 1st of every month. | Yes |
Is the Amex Gold worth it?
On paper the credits cover the fee 1.3 times over. In practice they're spread across 4 separate credits on monthly, quarterly, half-yearly and yearly clocks, and anything unused simply disappears. The honest number is what you actually use, valued at what you'd have paid anyway — that's what Credit Cadence's keep-or-cancel view shows, in your own numbers.
Questions
How many statement credits does the Amex Gold have?
4: Dining credit, Uber Cash, Resy credit, Dunkin' credit.
How much are the Amex Gold credits worth?
Up to $424 a year at face value, plus nothing else. They're only worth that if you use each one before it resets.
What is the Amex Gold annual fee?
$325 a year, as published by American Express on Nov 8, 2026.
When do Amex Gold credits reset?
It depends on the credit: Resets on the 1st of every month. Resets on January 1 and July 1. Unused credit generally doesn't roll over.
Which Amex Gold credits need enrollment?
Dining credit, Uber Cash, Resy credit, Dunkin' credit. Enroll in your American Express account first or the credit won't pay.
Is the Amex Gold worth the annual fee?
Only if the credits you actually use — valued at what you'd have paid anyway — plus the card's other perks add up to more than $325. Face value alone is $424 a year; most people use some credits fully and others not at all.
Source: American Express, checked Nov 8, 2026. Benefits and terms change; confirm with American Express. Credit Cadence is independent and not affiliated with American Express.
Other cards: Amex Platinum credits · Sapphire Reserve credits · Venture X credits