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Amex Gold benefits guide

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The American Express® Gold Card is a popular card choice for foodies and those who want to earn points for travel in the American Express Membership Rewards program without paying the hefty annual fee of The Platinum Card® from American Express. This card gives consumers the chance to earn 4X points on up to $25,000 spent at U.S. supermarkets each year (then 1X points) and 4X points at restaurants (plus takeout and delivery in the U.S.). Yet you can also earn 3X points on flights booked direct or with, 2X points on rental cars booked through and 1X points on all other purchases.

Cardholders also receive an array of Amex Gold benefits, ranging from up to $120 in Uber Cash credits and up to $120 in dining credits. Other perks include the chance to choose a rose gold color card as well as various consumer protections for your purchases.

Before you sign up for the Amex Gold Card, it helps to know the Amex Gold Card benefits you’ll be eligible for. Keep reading to learn about this popular rewards credit card, the benefits you can qualify for and how you can maximize it.

Details of the Amex Gold

The Amex Gold Card offers generous rewards in several everyday categories that tend to work well for people who spend a lot on groceries, dining out and travel. Add in a generous welcome bonus and it’s easy to see why you might want to sign up.

  • Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new card within the first 6 months of card membership.
  • Earn 4X points on up to $25,000 spent at U.S. supermarkets each year (then 1X points), 4X points at restaurants (plus takeout and delivery in the U.S.), 3X points on flights booked directly with airlines or through, 2X points on rental cars booked through and 1X points on all other purchases
  • Amex Gold Card benefits include up to $120 in dining credits and up to $120 in Uber Cash
  • $250 annual fee

Learn More: Is the Amex Gold worth it?

Dining and entertainment benefits

Several Amex Gold benefits can help you save money on dining and entertainment, and one can even help you get tickets to sought-after cultural and sporting events. The following benefits come standard with your Amex Gold Card.

Up to $120 dining credit

As a cardholder, you’ll receive up to $120 in dining credits per year, which are given out on a monthly basis in increments of $10. These credits do not roll over from month to month, so you’ll lose value each month you don’t use them. The dining credits are only good for select establishments like Grubhub, Seamless, The Cheesecake Factory, Goldbelly,, Milk Bar and participating Shake Shack locations. Enrollment is required.

Up to $120 in Uber Cash

Cardholders also receive up to $120 in Uber Cash each year, which can be used for Uber Eats food deliveries or Uber rides. These credits are also given out on a monthly basis in increments of $10, and they don’t roll over from one month to the next. Also, note that you’ll earn 4X points on Uber Eats purchases in the U.S. when you pay with your credit card since food delivery falls within the restaurant category.

American Express Preferred Seating

This Amex Gold card perk can help you get premium tickets to select cultural and sporting events based on availability.

Travel benefits

While the Amex Gold travel benefits aren’t as generous as those you get with Amex Platinum, this card does come with a few travel perks worth considering.

Car rental loss and damage insurance

Qualify for secondary auto rental coverage when you pay for an eligible rental car period with your Amex Gold Card. Exclusions and restrictions apply, and this benefit does not include any coverage for liability.

$100 Hotel Collection credit

Cardholders also receive up to $100 in credits with The Hotel Collection, which can be used for eligible dining, spa and resort activities at qualifying properties. This credit applies when you book at least two consecutive nights at a participating property. You can also receive a room upgrade on arrival (based on availability).

Baggage insurance plan

Qualify for baggage insurance when you pay for a common carrier fare with your credit card. This coverage is good for up to $1,250 per covered person for carry-on baggage. You also get up to $500 per covered person in protection for checked baggage when traveling on a common carrier vehicle (like plane, train or bus). High-risk items are limited to $250 in maximum coverage per covered person and per covered trip. Other exclusions and restrictions apply.

Card protections and insurance benefits

The Amex Gold Card also has a few protective benefits that can save cardholders money, hassle and stress. Keep in mind you have to pay for items with your credit card to be eligible for these benefits.

Extended warranties

Qualify for an extended warranty on eligible items that come with a manufacturer’s warranty of five years or less. This benefit gives you one extra year of warranty protection.

Purchase protection

You also get American Express purchase protection with the Amex Gold Card, which helps protect against damage or theft for up to 90 days from the purchase date. This coverage is good for up to $10,000 per covered purchase and up to $50,000 per eligible card per calendar year. You can also get up to $500 in coverage per eligible event when a natural disaster strikes.

How to maximize the perks and benefits offered by the Amex Gold

While the Amex Gold Card charges a $250 annual fee, the rewards and benefits can be well worth it. After all, American Express Membership Rewards points are valued at approximately 2 cents each, according to The Points Guy, so the welcome bonus offer on this card could be worth up to $1,200 on its own. Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new card within the first 6 months of card membership.

There are additional ways to maximize the Amex Gold Card benefits you receive, including the following:

Amex Offers

Adding Amex Offers to your credit card is a great way to get more value over time. These offers let you earn additional cash back or Membership Rewards points when you make an eligible purchase with a participating retailer or travel brand. Amex Offers are free to use, and the benefit they offer is given on top of the rewards you earn for paying with your credit card.

You may even be able to stack your Amex Offers with the annual dining and food delivery credits your card offers. For example, you may find you have an Amex Offer for Grubhub or The Cheesecake Factory which would also be eligible for the $10 per month in dining credits on your card.

Sign up for the Amex trifecta

You can also maximize your Amex Gold Card by using it as part of the Amex trifecta. This trio of rewards credit cards also includes the Amex Platinum Card and the Blue Business® Plus Credit Card from American Express, both of which have complementary earning structures and perks. With the three cards combined, you can make the most of all your spending and maximize your rewards. American Express even lets you pool your points into a single account for added convenience.

Utilize your dining and food delivery credits

A final way to maximize your American Express Gold Card involves making sure you use the monthly dining credits and Uber Cash. Keep in mind that if you don’t live near any of the dining establishments that qualify for the dining credit, you can use it to order various groceries and household items.

Also, take the time to add your Amex Gold Card as the preferred method of payment in your Uber account. That way, your card will already be loaded and ready the next time you order a ride-share or an Uber Eats food delivery.

The bottom line

American Express Gold Card benefits are definitely worth your attention, especially since they are complementary and offered in addition to the rewards you can earn. Still, you should take the time to compare all the top rewards credit cards available, including other American Express credit cards, before you sign up.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit for more details. Underwritten by Amex Assurance Company.

Written by
Holly D. Johnson
Author, Award-Winning Writer
Holly Johnson writes expert content on personal finance, credit cards, loyalty and insurance topics. In addition to writing for Bankrate and, Johnson does ongoing work for clients that include CNN, Forbes Advisor, LendingTree, Time Magazine and more.
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