Amex Gold Benefits, Credits & Annual Fee

• Resy Dining Credit$50 / 6moTrackableEnrollment required

  Get up to $50 in statement credits from January through June and another $50 from July through December at eligible U.S. Resy restaurants and on eligible Resy purchases. Enroll first and pay with your Gold Card. Unused credit does not roll over.

  Resets: Twice a yearChecked Sep 24, 2026
• American Express Venue Collection Concessions Statement Credit$250 / yrTrackable

  Get 10% back on qualifying concessions purchases at select American Express Venue Collection stadiums and arenas. Enroll your Card, then use it to pay for eligible concessions at participating venues. Cash back is capped at $250 per calendar year, and only one Card per Card Member can be enrolled. Offer ends December 31, 2026.

  Resets: Calendar yearChecked Oct 2, 2026
• Monthly Uber Cash Credit$10 / moTrackable

  Link your card to your Uber account and receive $10 in Uber Cash each month - up to $120 per year - to use on U.S. Uber rides or Uber Eats orders. You must select an Amex card as the payment method at checkout for the credit to apply. Unused monthly cash does not carry over to the following month.

  Checked May 20, 2026
• Monthly Dunkin' Credit$7 / moTrackableEnrollment required

  Get up to $7 back each month when you pay with your Gold Card at U.S. Dunkin' locations, adding up to $84 per year. Enrollment is required before purchases count toward the credit. Unused monthly credit expires at month-end and does not carry over.

  Checked May 20, 2026
• Hotel Collection Credit$100

  Receive a $100 credit toward eligible on-property charges with each qualifying Hotel Collection booking of at least two nights through American Express Travel. Eligible charges vary by property.

  Checked Sep 24, 2026
• Dining Credit at Grubhub, Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder$10 / moTrackableEnrollment required

  Earn up to a total of $10 in statement credits monthly (up to $120 per year) when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. Enrollment required. Unused monthly credit does not roll over.

  Checked Sep 12, 2026

Travel Benefits

• The Hotel Collection Early Check-In

  Get a noon check-in when available with an eligible The Hotel Collection stay. Make a qualifying booking and check with the hotel before arrival about early access to your room. Noon check-in depends on availability and is not guaranteed.

  Checked Sep 30, 2026
• The Hotel Collection Late Check-Out

  Get a 4 p.m. late check-out when available with an eligible The Hotel Collection stay. Make a qualifying booking and ask the hotel whether late check-out is available for your departure day. The later departure time is not guaranteed.

  Checked Sep 30, 2026
• The Hotel Collection Room Upgrade

  Get a room upgrade upon arrival when available with an eligible The Hotel Collection stay. Make a qualifying booking and ask about upgrades when you check in. The hotel determines availability at arrival, so an upgrade is not guaranteed.

  Checked Sep 30, 2026
• Transfer Points to Travel Partners

  Transfer Membership Rewards points to participating airline and hotel loyalty programs. Choose from 20 travel partners and initiate a transfer through your Membership Rewards account. Transfers are limited to participating programs, so check a partner’s terms and the transfer rate before moving points.

  Checked Sep 24, 2026
• Lowest Hotel Rates Guarantee

  Get a refund of the difference if you find a lower online rate after booking a qualifying hotel rate on AmexTravel.com. Compare the same hotel, room, dates, guest count, rate type, and cancellation policy. The lower price must be measured before taxes and fees.

  Checked Sep 30, 2026
• Pay with Points

  Use Membership Rewards points to pay for flights and prepaid hotels. Choose Pay with Points when booking through AmexTravel.com or the Amex Travel App. This option applies to those travel bookings through Amex Travel, not to every purchase made with your Card.

  Checked Sep 24, 2026

Rental Car

• Rental Car Loss and Damage Insurance

  Covers damage to or theft of a rental car when you reserve and pay for the full rental with your Gold Card and decline the collision damage waiver (CDW) at the counter. This is secondary coverage and does not include liability. Rentals in Australia, Italy, and New Zealand are not covered.

  Checked Oct 7, 2026
• Hertz Five Star StatusEnrollment required

  By enrolling in complimentary Hertz Five Star Status, Card Members can enjoy Hertz Five Star rental perks. Hertz Gold+ registration is also required. Benefits subject to availability.

  Checked Sep 14, 2026

Travel Insurance

• Trip Delay Insurance

  Covers certain out-of-pocket expenses - like meals or lodging - when a covered trip is delayed more than 12 hours. The entire round-trip fare must be charged to your Gold Card to qualify. Coverage is capped at $300 per trip, with a maximum of 2 claims per 12-month period.

  Checked Sep 26, 2026
• Baggage Insurance Plan

  When the full common-carrier fare is paid with your Gold Card, eligible lost, damaged, or stolen baggage is covered after carrier reimbursement, up to $1,250 for carry-on and $500 for checked baggage.

  Checked Oct 7, 2026

Bonus Earnings

• 2X Points on Prepaid Car Rentals and Cruises2x points

  Earn 2X Membership Rewards points per dollar on prepaid car rentals booked through AmexTravel.com or the Amex Travel App, and on cruises booked and paid through AmexTravel.com. Bookings made outside Amex Travel don't qualify for the elevated rate.

  Checked Sep 28, 2026
• 4X Points at Restaurants Worldwide4x points

  Earn 4X Membership Rewards points at restaurants worldwide on up to $50,000 per calendar year in purchases.

  Checked Sep 14, 2026
• American Express Travel Online Rewards

  Earn at least 1 additional Membership Rewards point per dollar on eligible travel purchases made on AmexTravel.com or the Amex Travel App. Use your Membership Rewards-enrolled American Express card. Eligible Card Members only.

  Checked Oct 7, 2026
• 4X Points at U.S. Supermarkets4x points

  Earn 4X Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year in purchases, then the base rate applies.

  Checked Sep 14, 2026
• 3X Points on Flights3x points

  Earn 3X Membership Rewards points per dollar on flights booked directly with airlines or through AmexTravel.com and the Amex Travel App. Booking through third-party travel sites other than Amex Travel won't earn the elevated rate.

  Checked Sep 24, 2026
• 5X Points on Prepaid Hotels5x points

  Earn 5X Membership Rewards points per dollar spent on prepaid hotels booked through AmexTravel.com or the Amex Travel App.

  Checked Sep 12, 2026
• 1X Points on All Other Eligible Purchases1x points

  Any eligible purchase that doesn't fall into a higher rewards category earns 1 Membership Rewards point per dollar spent. Points don't expire as long as your account remains open and in good standing.

  Checked Sep 24, 2026

Purchase Protection

• Purchase Protection

  Eligible purchases charged to your Gold Card are covered for accidental damage, theft, or loss for 90 days. No enrollment is needed. Limits are $10,000 per covered purchase and $50,000 per calendar year.

  Checked Oct 7, 2026
• ShopRunner Complimentary Two-Day ShippingEnrollment required

  Enroll your card in ShopRunner to receive free two-day shipping and free return shipping at hundreds of participating online retailers. Simply use your enrolled card at checkout with a ShopRunner merchant to activate the benefit. Available merchants may change over time.

  Checked May 20, 2026
• Extended Warranty

  Eligible purchases charged to your Gold Card get up to one extra year on original U.S. manufacturer warranties of five years or less. No enrollment is needed. Coverage is limited to the amount charged, up to $10,000 per item and $50,000 per account each calendar year.

  Checked Oct 7, 2026

Concierge & Membership

• Global Assist Hotline

  Gives you 24/7 access to emergency coordination services - including medical and legal referrals, emergency cash wires, and missing luggage help - whenever you travel more than 100 miles from home. Call the hotline to connect with assistance; referral services are free, but costs charged by third-party providers are your responsibility.

  Checked Oct 5, 2026

Entertainment

• American Express Venue Collection

  Get access to dedicated entrances or fast lanes at select American Express Venue Collection stadiums and arenas. Check the participating venue’s on-site benefits and follow its instructions to use the Card Member entrance or lane. Features vary by venue and may not be available at every event.

  Checked Sep 24, 2026
• Presale and Preferred Event Tickets

  Get access to Amex Presale and Reserved Tickets for select sports, music, and other events. Look for Amex ticket options when tickets are offered and use your Card as required to purchase. Availability varies by event, and access does not guarantee a ticket.

  Checked Sep 24, 2026

Fees & Miscellaneous

• Authorized User Cards

  Add up to five Additional Cards with no annual fee for those Cards. Request Additional Cards for people you want to add to your Gold Card account. The sixth and each subsequent Additional Card costs $35 per year.

  Checked Sep 24, 2026
• Membership Rewards Redemption

  Membership Rewards points can be redeemed for travel, gift cards, meals, household items, and other options. Earn points on eligible Card purchases, then review your balance and choose a redemption in your Membership Rewards account. Available options and point values vary by redemption.

  Checked Sep 30, 2026
• No Foreign Transaction Fees

  American Express charges no foreign transaction fees on purchases made outside the United States with your Gold Card. This applies automatically to every international purchase - no enrollment or action needed.

  Checked May 20, 2026