Dining Credit

Dining Credit on Amex Gold is a Dining benefit worth $120 per year.

Card: American Express Amex Gold

Category: Dining · Frequency: monthly

Up to $10 in monthly statement credits ($120 annually) at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. Enrollment required. Amex changed the participating merchants on 2026-04-30 — confirm the current list in your Amex account before spending.

  • Amex swapped the merchant list on 2026-04-30: Goldbelly, Wine.com, Milk Bar and Shake Shack no longer earn this credit.
  • The credit is monthly and does not roll over — an unused month is gone.
  • Check the live merchant list in your Amex account; Amex has changed it before and may again.

How the Dining Credit works, by the numbers

The Dining Credit is worth up to $120 per calendar year, delivered across 12 separate use-it-or-lose-it windows. The issuer sets how much lands in each window — the description above has the exact split — and whatever a window still holds when it closes is gone.

Used in full, this one credit offsets about 37% of the $325 annual fee on the Amex Gold.

It sits alongside 3 other tracked credits on the Amex Gold, worth up to $424 per year combined against its $325 fee — see every Amex Gold credit.

When the Dining Credit resets

The credit resets every month, with each window closing at the end of every calendar month. Pointsmiths counts these windows on the calendar year — the same math behind the credit timeline, the expiring view, and the reminder emails — so there are 12 deadlines a year, and each one is final for the value inside its window. Value that is unused when a window closes does not roll over.

Common ways cardholders lose this credit

  • Letting the window close: unused value does not roll over, and each window ends at the end of every calendar month.
  • Twelve small windows means twelve chances to forget: most value lost on monthly credits is lost one ordinary month at a time, not all at once.
  • Not tracking it anywhere: a credit you have to remember is a credit you eventually miss. The credit timeline and the 45-day expiring view exist for exactly this.

Tracking the Dining Credit

On the Pointsmiths credit timeline this benefit appears as 12 separate windows per calendar year, each marked used or missed on its own. Mark a window used when the credit posts and the running total of claimed value updates; leave it unmarked and it surfaces in the expiring view as its deadline approaches, alongside optional email reminders and a calendar feed for the reset dates. Tracking works without an account — sign in only if you want the same list on more than one device.

Terms verified 2026-07-11 · issuer terms

Updated 2026-07-12

Dining Credit FAQ

When does the Dining Credit reset?

The Dining Credit on Amex Gold resets every month.

What is the deadline to use the Dining Credit?

Each window closes at the end of every calendar month. Value you have not used by then does not carry into the next window.

How much is the Dining Credit worth?

The Dining Credit is worth up to $120 per year if you use it in full.

What is the Dining Credit?

Up to $10 in monthly statement credits ($120 annually) at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. Enrollment required. Amex changed the participating merchants on 2026-04-30 — confirm the current list in your Amex account before spending.

How do I use the Dining Credit? (tip 1)

Amex swapped the merchant list on 2026-04-30: Goldbelly, Wine.com, Milk Bar and Shake Shack no longer earn this credit.

How do I use the Dining Credit? (tip 2)

The credit is monthly and does not roll over — an unused month is gone.

Dining credits on other cards

Other credits on this card