Premium credit cards like the American Express® Gold Card tend to spark some debate thanks to their higher annual fees. With an increase in price last year and a few new perks added to the mix, the Amex Gold has once again become the center of attention.
So, is it worth the higher cost? Let’s break down what the card now offers, whether the fee is easily justified, and how to squeeze the most value out of its benefits.
A Higher Fee With More Value
It’s true that the Amex Gold saw an increase in its annual fee. But American Express also introduced some new statement credits that can help offset the added cost if you know how to use them. Don’t worry… we’re here to help!
Resy Dining Credit
The Resy credit is now one of the standout benefits. It’s split into two $50 installments, one every six months, and can be used at Resy-partnered restaurants across the U.S. (enrollment required).
If you enjoy dining out when you travel, this credit is pretty easy to redeem. Even using it once or twice a year could make it worthwhile, especially if you’re a foodie who already uses Resy to book meals.
Dunkin’ Donuts Credit
Another new perk is a monthly $7 statement credit at Dunkin’, which adds up to $84 annually. While it might sound niche, it’s super easy to use. Load up your Dunkin’ app each month and let the credit accumulate for future visits. Whether you're a regular or an occasional Dunkin’ visitor, this benefit is easy to use with a little planning.
Familiar Favorites
While the new perks are exciting, the card’s long-standing benefits remain part of its value and appeal.
Dining Credit at Select Merchants
The $10 monthly dining credit (up to $120 per year) can be used with select partners like Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys (enrollment required). If you regularly order takeout or indulge in the occasional Cheesecake splurge, this credit can still make a difference.
Monthly Uber Cash
Another solid feature is the $10 monthly Uber Cash credit (up to $120 per year). This credit applies to both Uber rides and Uber Eats orders in the U.S. and is automatically applied when you link your card to your Uber account. It’s a low-effort way to save on transportation or meals.
And although your Amex Gold might be linked to your account, any Amex card can be used as the payment method to redeem the Amex Uber Cash benefit.
Calculating the Value
Let’s do some quick math to see how these benefits stack up against the Amex Gold’s annual fee:
Resy Credit: $100
Dunkin’ Credit: $84
Dining Credit: $120
Uber Cash: $120
Even if you use this card only half the time, these perks can help offset its fee. If you max out all credits, you'll see over $400 in value each year and potentially much more, depending on your habits.
Is the Fee Justified?
The value you get from the Amex Gold depends on how easily you can use the credits.
If you live in the U.S. and frequently dine out, use Uber, or grab a monthly coffee at Dunkin’, this card could easily pay for itself. But if you’re living abroad, rarely use food delivery apps, or don’t have access to Resy or Dunkin’ locations, this card might not make sense for you.
Bottom Line
The Amex Gold comes with a higher fee than it used to but compensates with valuable credits that cater to foodies and travelers alike. Whether it’s dining out, catching a ride, or grabbing coffee, your everyday purchases can help outweigh the cost of this card.
