Premium credit cards like the American Express® Gold Card often spark debates about their high annual fees. With its recent fee increase and updated benefits, the Amex Gold has reignited the conversation. Here’s a breakdown of what the card now offers, whether the fee is justified, and how to make the most of its perks.
A New Price Tag with Added Value
The Amex Gold’s annual fee recently increased. However, American Express introduced a decent amount in new credits to offset the difference.
Resy Dining Credit
A standout addition is the Resy credit, which is split every six months. If you dine at Resy-partnered restaurants, especially in major cities, this credit is easy to use and provides close to full value. Whether it’s a local spot or a travel destination, this benefit adds a tasty boost to the card’s perks.
Dunkin’ Donuts Credit
We also love to see a Dunkin’ Donuts credit! While it may seem tedious, savvy cardholders can preload their Dunkin’ app each month and accumulate the balance for future visits. Over a year, this adds up to multiple breakfasts or coffees—perfect for fans of affordable nostalgia. Even occasional Dunkin’ visitors can unlock the full value with a little planning.
Familiar Favorites Still Deliver
Beyond the new credits, the Amex Gold Card retains its annual dining credit, usable at select retailers like Grubhub, Cheesecake Factory, and Goldbelly. While not everyone frequents these establishments, regular users can extract value, particularly through Grubhub. Similarly, the Uber Cash credit, allocated monthly, is seamless for Uber and Uber Eats users in the U.S. Link your card to your Uber account, and the credit auto-applies—no extra effort required.
Calculating the Value
When tallying up the benefits:
Resy Credit: $100
Dunkin’ Credit: $84
Dining Credit: ~$60 (assuming partial use)
Uber Cash: ~$120
Even with modest utilization, these perks cover or exceed the $325 Annual Fee. For frequent users, the credits offer significant savings, potentially making the card more rewarding than before.
Is the Fee Justified?
For U.S.-based cardholders, these credits are straightforward to maximize. However, those living abroad or with limited access to the U.S. may find it harder to fully leverage the benefits. The decision ultimately hinges on lifestyle and spending habits. If Resy dining, Uber rides, or monthly Dunkin’ visits align with your routine, the Amex Gold could easily pay for itself—and then some.
Final Takeaway
The updated Amex Gold comes with a higher fee but compensates with valuable credits that cater to foodies and travelers alike. Whether it’s dining out, catching a ride, or grabbing coffee, thoughtful planning ensures the perks outweigh the cost. For those who can tap into these benefits, the card remains a golden opportunity.
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