How to Maximize All of the American Express Gold Card Credits
holding an American Express Gold card in front of a table of food

How to Maximize All of the American Express Gold Card Credits

“Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.”

One of the most often-used cards in my wallet is the American Express Gold Card. Like its “big brother” the Platinum Card, the Amex Gold card commands a sizeable annual fee but attempts to offset that expense by including monthly credits. Of course, the card also includes some lucrative rewards categories and redemption options that further give it value.

Having recently explored the best ways to maximize the Platinum card’s credits, I figured it was time to do the same for the American Express Gold Card. So, without further ado, let’s take a closer look at the card’s featured credits, how to get the most from them, and more.

The American Express Gold Card’s Credits and the Best Ways to Use Them

Amex Gold Card and Uber Eats logo with food

Uber/Uber Eats Cash ($10 a month)

We start with a bit of a repeat of the Platinum card as the Gold card also features a monthly allotment of Uber Cash. In this case, though, it’s a simple $10 a month versus the $15 + $35 in December that the Plat has. Now’s a good time to mention that, if you happen to have both cards as I do, these credits stack nicely and you’ll get both deposits of Uber Cash credited to your account each month. Unfortunately, these credits are still “use it or lose it” each month and cannot be rolled over.

For those who use Uber’s rideshare service often, this credit should be remarkably easy to use. Just make sure that your Uber Cash balance is selected in order to use it.

In the event that you don’t require Uber’s ride services with much frequency, you’ll likely be glad to know that this Uber Cash credit can also be used on Uber Eats. Of course, if you’ve ever ordered from the app, you probably know that the $10 credit can quickly be eaten up by delivery fees and tips. That’s why I always recommend looking into the pick-up option instead. Although you may still face some fees and potentially inflated menu prices versus what you’d pay in-store, I find that this is usually a much better option overall.

Dining Credit ($10 a month)

Grubhub, The Cheesecake Factory, Goldbelly,, Milk Bar, and Shake Shack logos

The other monthly credit on the American Express Gold Card is the Dining Credit. That name might sound pretty broad but, sadly, that’s far from the case. Instead, this one can only be used at a few restaurants and retailers:

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

Without a doubt, I think the best way to use this particular credit is at Shake Shack. That’s because the $10 credit will actually cover a decent amount of your meal, making this a pretty good deal. By the way, when it says “select Shake Shack locations, ” it means that those found at ballparks, stadiums, airports, rest areas, museums, and racetracks are excluded.

Alas, the only problem with the Shake Shack approach is that the chain isn’t quite as ubiquitous as the likes of McDonald’s. Sure enough, there’s not one located anywhere near me, which is why I only end up using my dining credit in this manner when I’m traveling (namely to Las Vegas). But, if you’re a burger fan and live near one, then I think this is a top-tier option.

My second pick here would be Grubhub. Specifically, just like with the Uber Eats credit, I find you get the best value by opting for pick-up. Again, prices might still be inflated even if you are picking up, but it’s still a lot better than paying for delivery.

One option I haven’t tried but think could be a good value is The Cheesecake Factory. Assuming that you could just get a to-go slice of cheesecake, pay with your Gold card, and trigger the credit, this would be a completely reasonable use of the credit in my opinion. But, once again, I have yet to confirm this strategy so proceed with caution.

Lastly, while you’re $10 might not get you very far on Goldbelly or, I am a fan of both overall. In the case of Goldbelly, there are some truly delicious items to be found — and I think some regional items could make for great gifts. Thus, the $10 savings are welcome even if you’ll end up spending far more than that overall. As for Milk Bar, they also have some very tasty items, but 1) they’re expensive and 2) the shipping is even more expensive. That said, come to think of it, there are some Milk Bar retail locations (once again, a Vegas win) that might be a good deal.

On the whole, the Amex Dining Credit sounds a bit more exciting than it is given the limitations. Still, even with these restrictions, you should be able to find some valuable use cases.

American Express Gold Card
American Express Gold Card Review: Great Rewards if the Credits Make Sense
Annual fee
4x points at restaurants worldwide, 4x points at U.S. supermarkets (up to $25,000 per year), 3x points on flights booked directly with airline or via Amex Travel, 1x points on all other purchases
$10 a month in Uber Cash, $10 a month Dining Credit (Grubhub, Seamless, The Cheesecake Factory, Goldbelly,, Milk Bar, participating Shake Shack locations)
A Solid Standalone or Awesome as Part of an Amex Setup
Offering 4x Membership Rewards points at restaurants as well as 4x at U.S. Supermarkets, the American Express Gold Card is definitely a workhorse of the Amex lineup. What’s more, the $250 annual fee can be heavily offset by monthly dining credits Uber/Uber Eats Cash (totaling up to $240 per year). However, like other American Express cards, the value of the Gold card will be highly dependent on your ability to utilize their credits for their full value. Moreover, the monthly Dining Credit is far more limited than the generic name would imply. With that said, those who can make good use of these credits will find the Gold Card to be a rewarding option on its own or used in tandem with the Amex Platinum.
  • 4x at restaurants and at U.S. supermarkets
  • Monthly Uber and dining credits offset annual fee
  • Compliments Amex Platinum card or works well solo
  • $250 annual fee is high if credits are utilized
  • Membership Rewards points offer low cashback redemption value

Although the American Gold Card may cost $250 a year on paper, that annual fee comes down quickly if you are able to make the most of the included credits. In fact, if you value these credits at their full amount, their $240 in benefits would bring the effective annual fee down to just $10. Add in the fact that the card earns 4x at restaurants worldwide, 4x at U.S. supermarkets (up to $25,000 per year in purchases), and 3x for flights booked directly with airlines or on Amex Travel, and it’s easy to see why the Gold card can be as good as its name in the right hands.

Fioney has partnered with CardRatings for our coverage of credit card products. and CardRatings may receive a commission from card issuers.” (Note: advertising relationships do not have any influence on editorial content. Advertising compensation allows to provide quality content for free. All editorial opinions are those of the individual author and/or Fioney staff.)


Kyle Burbank

Head Writer ~ Fioney
Kyle is the head writer for Fioney. He is a personal finance nerd, constantly looking for new apps and services to test and incorporate into his own financial game plan. In addition to his role at Fioney, he's written for other publications including Born2Invest, Lifehack, and Laughing Place, as well as his own site Money@30. He also creates personal finance and travel-related videos for Fioney's YouTube channel, which has garnered more than 2 million views. Currently, Kyle resides in Springfield, Missouri with his wife of 10 years. Together, they enjoy traveling (including visiting Disney Parks around the world), dining, and playing with their dog Rigby.

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