The average Amex Gold holder leaves $500/yr on the table
Based on typical usage rates across 10 benefits. Your number could be higher or lower.
Welcome Bonus
All Benefits (10)
Statement Credits
$10/mo Uber Cash for rides or Uber Eats
Enrollment required: Add Gold Card to Uber account
$10/mo at Grubhub, Cheesecake Factory, Goldbelly, Wine.com, Five Guys
Enrollment required: Enroll through Amex account
$50 per semi-annual period at Resy-partnered restaurants
Enrollment required: Enroll through Amex account
$7/mo at Dunkin locations
Enrollment required: Enroll through Amex account
Insurance & Protection
Secondary car rental coverage up to $50,000
Up to $10,000 per occurrence, $50,000 per year, 90 days
+1 year on warranties up to 5 years, $10,000 per item
Up to $300 per trip, 12-hour delay trigger, max 2 claims/year
Shopping & Lifestyle
10% back on qualifying concessions at select stadiums and arenas, up to $250 per calendar year
Enrollment required: Enroll your Card in the American Express Venue Collection
Account Perks
No foreign transaction fees
Earning Rates
| Category | Rate |
|---|---|
U.S. Restaurants Includes worldwide restaurants. $50K cap added Jan 2025. | 4x |
Flights (direct or Amex Travel) Must book directly with airline or through Amex Travel. | 3x |
All other purchases | 1x |
U.S. Supermarkets Live page 2026-06-11: 4x (the March 2026 3x reading no longer matches the page). Does NOT include Walmart, Target, Costco, convenience stores. | 4x |
Prepaid hotels (Amex Travel) Must be prepaid bookings through AmexTravel.com or the Amex Travel App. No spend cap stated on the page. | 5x |
Prepaid car rentals & cruises (Amex Travel) Prepaid car rentals booked through AmexTravel.com or the Amex Travel App, and cruises booked and paid through AmexTravel.com. | 2x |
4 Hidden Benefits Most People Miss
- Car Rental Loss & Damage Insurance: $75/yr
- Purchase Protection: $100/yr
- Extended Warranty: $50/yr
- Trip Delay Reimbursement: $30/yr
How much are you leaving on the table?
Select all your cards and see your personal Gap, the total dollar value of benefits you're not using.
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