American Express Gold Card benefits: Get credits for food

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When you open the American Express® Gold Card, you’ll earn 60,000 Amex Membership Rewards points when you spend $4,000 on purchases in the first six months of account opening. You’ll also earn (terms apply):

  • 4x Amex Membership Rewards points at restaurants
  • 4x Amex Membership Rewards points at U.S. supermarkets (on up to $25,000 per calendar year in purchases – then 1x)
  • 3x Amex Membership Rewards points on flights booked directly with airlines or on Amextravel.com

The American Express Gold card is a great choice for anyone who loves to dine out or buys lots of groceries at U.S. supermarkets. It’s also an excellent option for frequent travelers. That’s why the Amex Gold makes our list of the best American Express cards. Those 4x bonus categories can add up fast and although there’s a $250 annual fee (see rates & fees), the card’s perks can certainly help offset that cost.

Here’s a detailed look at the Amex Gold Card benefits and perks.

The Amex Gold Card’s benefits and perks can save you money on your next meal with its monthly dining credit. (Photo by bernardbodo/iStock)

The American Express® Gold Card comes with a welcome bonus of 60,000 Amex Membership Rewards points when you spend $4,000 on purchases in the first six months of account opening. Although there’s a $250 annual fee (see rates & fees), the card’s benefits and perks can make the Amex Gold worth keeping.

You can find our full review of the Amex Gold Card here.

Amex Gold Card benefits and perks

Up to $120 dining credit each year

With the , you can get up to $120 in dining credits every year, making it one of the best credit cards for restaurants. And who doesn’t love free food? Here’s how it works.

You’ll get $10 per month in dining credit for purchases at:

  • GrubHub
  • Seamless
  • The Cheesecake Factory
  • Ruth’s Chris Steakhouse
  • Boxed
  • Participating Shake Shack locations

So if you use the credit each month, that’s $120 for chow. Just note, the credit can’t be used for merchandise or gift card purchases. Of course, it would be great if the list of eligible eateries was longer, but GrubHub and Seamless are delivery services, so you can choose healthier restaurants if you have dietary restrictions or want to order in with fewer calories.

Of course, who spends only $10 at a restaurant? I consider this more of a rebate on your bill. And it’s only useful if you like the restaurants on the list.

Access to Amex Offers

Amex Offers are a fantastic way to save money on everyday purchases. They’re targeted statement credits or bonus points that only people with American Express cards receive, for things like shopping, delivery, Amazon and streaming services.

I’ve saved hundreds of dollars over the years on expenses like dog sitters, household essentials, hotels stays and more. All you have to do is add Amex Offers to your card and make an eligible purchase to trigger the credit.

Rental car insurance

You can get primary rental car insurance with the card when you enroll in the American Express Premium Car Rental Protection program for up to 42 days. You must decline the rental agency’s collision insurance and charge the entire rental to your  to use the benefit.

If you rent vehicles often, this can be a tremendous money saver and give you peace of mind. But you must opt in to get coverage. If you don’t, coverage is secondary and covers up to a maximum of $50,000 per rental agreement.

Extended warranty and purchase protection

Amex will extend the original manufacturer’s warranty up to one additional years on U.S. warranties of five years or less, when you purchase an item with your .

As for the purchase protection, any purchases made with the card are protected from accidental damage, theft or loss for up to 90 days, up to $10,000 per item and $50,000 per calendar year.

Free ShopRunner shipping

You’ll get a free ShopRunner membership with the card, which gets you free two-day shipping at 100+stores. That’s worth $79 a year.

Overall value

Those who will get the most value from this card are those who spend a lot on dining and want to earn travel rewards. Besides the benefits of the statement credits, the card’s $250 annual fee is quickly outset when you earn bonus points for eating out and shopping for groceries in the U.S.

Bottom line

The Amex Gold Card comes with a welcome bonus of 60,000 Amex Membership Rewards points when you spend $4,000 on purchases in the first six months of account opening. And you’ll also get access to these benefits (terms apply):

  • 4x Amex Membership Rewards points at restaurants
  • 4x Amex Membership Rewards points at U.S. supermarkets, on up to $25,000 per calendar year in purchases (then 1X)
  • 3x Amex Membership Rewards points on flights booked directly with airlines or on Amextravel.com
  • Up to $120 dining credit ($10 monthly) each year at participating restaurants (enrollment required)
  • No foreign transaction fees (see rates & fees)

You’ll also get benefits like free ShopRunner membership for two-day shipping at 100+ stores and return and purchase protections. These perks can certainly help offset the card’s $250 annual fee, especially if you spend a lot in the bonus categories. Be sure to read our full review of the Amex Gold Card.

You can apply for the American Express Gold Card here.

For rates and fees of the American Express® Gold Card, please click here.

Meghan Hunter is a contributor to Million Mile Secrets, she covers topics on points and miles, credit cards, airlines, hotels, and general travel.

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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