Gold Card

Goes back and forth on keeping the Amex Gold since they rarely use Dunkin', but finds the Resy credit easy to use in Los Angeles.

“Resy, in Los Angeles, is easy.”

Uses the Amex Gold's credits with little effort (Uber Eats, Dunkin' loaded in the app, Resy), which in effect makes the 4x free for them.

“Resy is just $100 back with no downside for me.”

Has moved most of their spending to the Amex Gold for 4x on groceries and dining, and plans to downgrade their Sapphire Reserve.

“Yuppp, much of my spend has shifted to the Gold for the 4x on groceries and dining.”

Retired couple who have held the Amex Gold for years; they use all the credits and recently used the Resy credit for takeout.

“After the increase to $ 325, the useable benefits increased.”

Earns more than the Amex Gold's fee through 4x on restaurants and groceries, but finds the dining credit useless with no Shake Shack nearby.

“The gold card works for me for two reasons, I can get more than the AF with the 4X on restaurants and groceries”

Used the Amex Gold's Uber Eats credit for pickup orders; prices ran 20–30% above the restaurant's, though buy-one-get-one deals often made up for it.

“When I had the gold card I’d just do pickup every other day on my way home from work.”

Cancelled the Amex Gold because its dining-credit partners weren't good, and switched to a no-fee 3x dining card.

“I found their dining credit partners to be subpar so I cancelled and went with the Autograph card”

Renewed the Amex Gold only for a retention offer; the new Dunkin' credit is worthless where they live and they value the other credits below face value.

“I live in a state with exactly zero Dunkins so that credit is worth $0”

Counts the Amex Gold's credits at a discount for the hassle, but still comes out ahead of no-fee 3% cards given their points value and food spending.

“I’m definitely getting more than 1cpp and I spend way more than 7000$ on food, so the gold car”

Got the Amex Gold for the sign-up bonus and finds it overpriced; plans to close it without a retention offer.

“I got the card for the SUB, but will likely close it if I don’t get a retention offer or if they raise the AF. It’s overpriced for what it offers.”

Finds the Amex Gold's monthly Uber and food credits useless, but the card works well for building points.

“The benefits for both are useless to me as well. The gold card is great for cash management and point building for me though.”

Amex Gold points from the bonus and later from food spending paid for trips to Europe twice; the card stays in their wallet.

“My Gold SUB got me to Europe and back in 2019, and my grocery/food spend did it again in 2022.”

With a small child, most of their spending is groceries, so they're happy using the Amex Gold for it.

“Most of our spend is on grocery so I'm happy with amex gold for that.”

Has had the Amex Gold since 2011, gets good value redeeming with Delta and Hilton, and uses enough credits to cover the annual fee.

“I make natural organic use of the credits offered on the card so I get $375-390 in credits against a $325 annual fee.”

Uses the Amex Gold's credits as part of their routine: two free Dunkin' coffees a month and Resy restaurants near home and work.

“For me, it’s not about jumping through hoops everything I do is relatively simple, close to home/work, and fits into my regular routine.”

Moves grocery spending to the Amex Gold once the Blue Cash Preferred's cap is reached, and uses both cards' credits easily enough to justify the fees.

“I use my Gold more for groceries than restaurants”

Uses the Amex Gold's Grubhub credit but finds Grubhub pricier than DoorDash or Uber Eats almost every time.

“I have the Gold, I use GrubHub, but they seem to be more expensive than DoorDash and Uber Eats.”

Isn't keen on the Amex Gold and is tired of chasing its Uber and dining credits $10 at a time.

“I'm not wild about the Gold Card for a variety of reasons.”

Puts all spending on the Amex Gold since most of it is restaurants and groceries, and likes not having to think about which card to use.

“I use Amex gold for everything, but most of my spend is restaurant or grocery.”

Gets over 2 cents per point from Amex Gold points, so 4x is worth at least 8% to them, and about $200 a year from the credits after delivery-app markups.

“After accounting for the upcharge in the app, I get $200 in value out of the credits.”

Tried the Amex Gold for two years and found Chase points more valuable for how they earn.

“I tried the Amex Gold for 2 years. To me the Chase UR is more valuable.”

Keeps the Amex Gold alongside a Venture X and Savor, but only uses the Resy credit naturally and has to push themselves to use the others.

“The annual fee is definitely expensive and the Resy credit is then only one I organically use. The other credits I kinda force myself to use.”

Has a poor choice of restaurants on the Amex Gold's delivery-credit partner where they live, so the card is only decent for them.

“As someone who doesn't MS and has a pretty crap selection in my area on Grubhub or whatever they offer the monthly credit for, this is a nice plus but the card is still just decent for me.”

Eats out often and uses Uber Eats a couple of times a month, so the Amex Gold's credit is handy for them.

“I dine out quite a bit and the UberEats credit is handy as well considering I use the service at least 2x a month”

Two months in, the Amex Gold beat their expectations: 4x on restaurants and groceries covers their biggest spending, and they use the dining credit for coffee pickups.

“I got my AmEx gold 2 months ago and it exceeded my expectations.”

Uses every Amex Gold credit and spends heavily on food for a family of six, so it stays one of their best cards even after the refresh.

“Amex Gold is one of the best cards I own, and even better after the refresh. I use all the credits, and spend a ton on food for a family of six.”

Loves the Amex Gold because it rewards their biggest spending, food, and its points have let them travel for very little.

“Don't get me wrong, I LOVE my gold card. It's the only "travel" card that rewards me for how I actually spend most of my money, which is food.”

Lives alone and spends a lot on food; switched from DashPass to Uber Eats with the Amex Gold and uses its credits without trouble.

“I live solo and spend a lot on food.”

Living in a city, they use many of the Amex Gold's credits; the Resy and Uber credits are fantastic for them.

“The Resy and Uber credits are fantastic for me but depending on where you live they might not really do anything.”

Has had the Amex Gold since about 2016 and is very happy with it; eating out a lot in NYC, it stays worth it even after the annual fee went up.

“I am very happy with the Gold Card. I have had it since maybe 2016 and couldn't be happier. Even with the huge (IMO) rise in the AF, it remains worth it to me.”