How One Cardholder Saves $400+ a Year on Food With the Amex Gold

Amex Gold Card food savings: The American Express® Gold Card is made for people who spend a lot on food. It gives 4X points at restaurants worldwide, up to $50,000 each calendar year, and 4X points at U.S. supermarkets, up to $25,000 each calendar year.

• It also gives 5X points on prepaid hotels booked through Amex Travel
• 3X points on flights bought directly with airlines or through Amex Travel
• 2X points on prepaid car rentals and cruises booked through Amex Travel
• 1X points on other purchases.

The card has a $325 annual fee, and the welcome offer can be as high as 100,000 Membership Rewards points after $8,000 in purchases in the first 6 months.

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“Apply and find out if you’re eligible for as high as 100,000 points after spending $8,000 in eligible purchases in the first 6 months. Welcome offers vary, and you may not be eligible for an offer.” That line is the kind of offer many people see on the card page, but the exact welcome deal can change. The Gold Card also offers The Hotel Collection on eligible 2-night stays booked through Amex Travel, and it has no foreign transaction fees. Up to 5 additional cards can be added with no annual fee, then the sixth and more cost $35 each.

The Credits that make the Card feel easier to keep

The real value of the Gold Card often comes from the credits. It gives up to $120 each year in dining credit, split into $10 each month, when the card is used at Grubhub, Seamless, Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. It also gives up to $100 a year in Resy credit, split into two $50 halves across the year, and up to $84 a year in Dunkin’ credit, which comes as up to $7 each month. All of these need enrollment.

1. The $10 Monthly Dining Credit

This is the easiest credit for many people to use. Since it is $10 every month, it can quickly cover part of a meal or a food order. A family can use it on a normal dinner, or it can go toward a Grubhub order when going out is not possible. The idea is simple: use the card at one of the listed places and let the credit do part of the work.

2. The $100 Resy Credit

The Resy credit is split into two parts. There is up to $50 from January through June and up to $50 from July through December. It works at over 10,000 qualifying U.S. Resy restaurants. That makes it useful for a dinner with family, a meal with a spouse, or a nice night out. It does not have to feel forced because the credit can fit into regular eating plans.

3. The $84 Dunkin’ Credit

This one gives up to $7 each month at U.S. Dunkin’ locations. It is one of the easiest credits to use because a coffee stop can handle most of it. A quick morning run can cover the credit without much planning. Since it resets monthly, it can keep giving small value all year long.

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4. The $120 Uber Cash

The card also gives $10 in Uber Cash each month. It can be used for Uber rides and Uber orders in the U.S. after the Gold Card is added to the Uber account and an Amex card is selected for the transaction. Many people use this for food instead of rides, because Uber Eats makes it very easy to spend the credit without leaving home.

Why the Card can feel Worth it?

When these credits are used well, the card can feel much cheaper than the $325 fee. The monthly dining credit, Resy credit, Dunkin’ credit, and Uber Cash can add up to $424 in total yearly value before even thinking about points. For someone who already spends a lot on restaurants and groceries, the points and credits can work together in a very simple way. The card is built for everyday food spending, and that is where it can shine the most.

A small extra note is worth keeping in mind. Amex has also promoted a targeted Uber One benefit for some cardholders, but those offers can change and may not appear for everyone. The main fixed food value on the Gold Card still comes from the dining credit, Resy credit, Dunkin’ credit, Uber Cash, and the 4X points on food spending.