Every Amex Gold Credit in 2026, and When Each One Resets
The Amex Gold's $424 of credits arrive in $7 and $10 slices across 38 separate windows a year. Every amount, cycle, enrollment step and reset date, from Amex's own pages.
We make OfferBee, an app that tracks statement credits and when they reset, so we are not a neutral party, just a checkable one. Every figure below was read off American Express's own Gold Card page on 2026-09-08 and is quoted as Amex words it.
The Amex Gold is the clearest illustration in the category of a credit stack that looks generous on paper and is unusually easy to lose in practice.
It carries $424 of recurring credits against a $325 annual fee. That is a real $99 of headroom before you count a single point earned. But almost all of it arrives in $7 and $10 increments at named merchants, on 38 separate earning windows a year, three of which require enrollment before a dollar accrues.
Here is the arithmetic that makes the point better than any argument. Three of the four credits are monthly, at $10, $10 and $7. That is $27 a month, $324 a year, just one dollar under the annual fee. Skip those three every month for a year and the card's entire fee is the money you did not collect.
Every Amex Gold credit, 2026
Annual fee: $325 for a Basic Card. The first five Additional Cards are $0; the sixth and beyond are $35 each.
| Credit | Amount | Cycle | Resets | Enrollment |
|---|---|---|---|---|
| Dining Credit | Up to $10 per month · $120/yr | Monthly | Every month | Required |
| Uber Cash | $10 per month · $120/yr | Monthly | Every month | Add the Gold Card to your Uber account |
| Resy Credit | $50 + $50 · $100/yr | Semi-annual | January – June, then July – December | Required |
| Dunkin' Credit | Up to $7 per month · $84/yr | Monthly | Every month | Required |
Total recurring face value: $424.
One more benefit is worth listing separately because it is not on a cycle at all: booking two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel app comes with a $100 credit toward eligible on-property charges at over 1,300 hotels. That is per qualifying booking, not per year; it is a booking perk, not an allowance that expires, and it should not be added to the $424.
Where each credit actually works
Dining Credit: up to $10 monthly. Amex lists the participating partners as Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. Enrollment required. Note what this is not: it is not a general restaurant credit. A $60 dinner at a restaurant that happens to take Amex earns points, not this credit. The list has changed composition before, which is the single best reason to check the card page rather than a two-year-old article.
Uber Cash: $10 monthly. Add the Gold Card to your Uber account and $10 in Uber Cash appears each month, usable on rides and orders in the U.S. when you select an Amex Card at checkout. The mechanical difference from the others matters: this is not a statement credit. The money lands in your Uber balance whether or not you use it, which makes it the easiest of the four to lose without noticing; nothing on your card statement records the miss.
Resy Credit: $100, in two halves. Up to $50 in statement credits from January through June, and up to $50 from July through December, at over 10,000 qualifying U.S. Resy restaurants. Enrollment required.
This is the one place where Amex publishes its window boundaries plainly, and it is worth appreciating: the Gold's page says "from January through June" and "from July through December" in so many words. The Platinum's page describes its Hotel Credit as "semi-annually" and its Resy Credit as "each quarter" without naming a single date. Same issuer, same benefit family, two different levels of disclosure, so do not assume the Gold's clarity carries across the product line.
Dunkin' Credit: up to $7 monthly. Enroll, then pay with the Gold Card at U.S. Dunkin' locations. $84 a year.
The three enrollment steps
Dining, Resy and Dunkin' all carry "Enrollment required" on Amex's page. Uber Cash requires you to add the card to your Uber account, which is functionally the same gate.
Enrollment fails silently, and that is what makes it expensive. You buy a coffee at Dunkin', the charge posts normally, no statement credit appears, and nothing tells you why. The only way to catch it is to have been expecting the credit, which means the failure mode belongs to exactly the people who are not tracking closely.
Check all four once a year, ideally in January when the Resy half turns over. It is a five-minute job that protects $424.
Why this card leaks more than its numbers suggest
The Platinum's credits are big and infrequent: a $300 half-year hotel credit, a $200 annual airline credit. Missing one is memorable. The Gold's are the opposite, with 36 monthly windows at $7 to $10 each, plus two semi-annual halves at $50.
That distribution has three consequences.
No individual miss registers as a loss. Skipping a $7 Dunkin' month does not feel like losing $7. Skipping it eleven times is $77, and nobody experiences it as a single event.
Nothing carries forward. An unused January $10 does not become $20 in February. The allowance is per-window and it resets to zero regardless of what you did with it.
The credits are merchant-locked, not category-locked. Ten dollars of "dining" means Grubhub, Buffalo Wild Wings, Five Guys, The Cheesecake Factory or Wonder, not dining. A cardholder who eats out constantly and never at those five captures $0 of a credit Amex calls a Dining Credit, which is technically accurate and practically misleading.
Is $325 worth it?
Do this subtraction rather than trusting the $424.
Start by asking which of the four merchants sets you already visit. If Uber and one of the dining partners are genuinely part of your month, you are at $240 a year of near-automatic value and the fee is comfortably covered before points. If Dunkin' is a weekly habit, add $84.
If none of them are, if the Uber Cash sits unspent and the dining partners are not where you eat, the credits are worth close to nothing to you and the card has to be justified entirely on its 4X points at restaurants worldwide (on up to $50,000 in purchases per calendar year) and 4X at U.S. supermarkets (on up to $25,000 per calendar year). That is a perfectly good case for the card. It is just a completely different case, and it is the one you should be evaluating if the credits do not fit.
The mistake is holding the Gold because of $424 in credits and then capturing $150 of them, which is the common outcome and the reason this page exists.
Holding 38 windows
Three monthly credits and one semi-annual credit is a small enough set to run manually, and plenty of people do it with a recurring calendar reminder on the 25th of the month. That works, provided the reminder is honest about whether you already used the credit. A nag that fires whether or not you have done the thing is a nag you will start ignoring by March.
OfferBee tracks each credit on its own cycle and marks it used when the qualifying charge posts, on iOS and Android, so the reminder only fires on the windows still open. The point either way is that "I'll remember" is not a system for 38 deadlines worth $11 each.
Every amount, cycle, merchant list and enrollment requirement above was read off American Express's Gold Card page on 2026-09-08 and is quoted as Amex words it. Partner lists on this card have changed before and will again. Verify against the Benefits section of your own Amex account before acting on any figure here. We re-check this page quarterly; if the date above is stale, treat it as indicative.
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