American Express Gold Card · $325 annual fee
How to use the American Express Gold Card Dining Credit
American Express Gold Card's Dining Credit provides up to $10 per month for Grubhub, The Cheesecake Factory, Goldbelly, and other eligible merchants. The benefit follows a monthly reset. Check current American Express terms for enrollment, eligible purchase channels, posting rules, and the exact deadline before relying on the credit.
Up to $10 per month in statement credits at participating dining partners (Resy credit is separate).
$10
Monthly
$120
Based on full eligible use
Monthly
Verify the issuer terms
$325
per year
When does this benefit reset?
This benefit resets monthly. Check the issuer terms to see whether the reset follows a calendar month or statement cycle.
Where can you use this benefit?
How can you use this benefit?
Use early each month at a participating merchant
Eligible charges at participating merchants may receive the monthly credit. Verify the current merchant list and enrollment requirements before ordering.
Confirmed guidance · Checked April 15, 2026
Check Grubhub gift-card eligibility
Community reports indicate that some Grubhub gift-card purchases may receive the credit. This is not guaranteed by issuer terms, so verify current behavior before purchasing.
Reported guidance · Checked April 15, 2026 · Source: Reddit r/amex
Common mistakes to avoid
- •Only works at the specific partner merchants listed — not any restaurant.
- •The monthly credit does not roll over to the next month.
Benefit terms and reset dates can change or vary by account. Verify current terms and account-specific dates with American Express.
Frequently asked questions
How much is the Dining Credit worth?
The Dining Credit provides up to $10 per month. Based on full eligible use at face value, its estimated annualized value is up to $120 on the American Express Gold Card.
When does the Dining Credit reset?
This benefit resets monthly. Check the issuer terms to see whether the reset follows a calendar month or statement cycle.
Where can I use the Dining Credit?
Use the Dining Credit for Grubhub, The Cheesecake Factory, Goldbelly, and other eligible merchants. Always verify the latest eligible merchant and purchase rules with American Express before making a purchase.
What should I verify before using the Dining Credit?
Check whether enrollment is required, which purchases and payment channels qualify, when the charge must post, and whether your account has different terms. American Express's current terms control the benefit.
Related guides
Keep this benefit on your list
Add the card and record usage manually on Free. With Pro, the browser extension can import issuer-reported activity for supported cards after you sign in on the issuer's website and remind you before eligible benefits reset.