The average American Express Gold Card holder leaves $477/yr on the table
Based on typical usage rates across 9 benefits. Your number could be higher or lower.
Welcome Bonus
All Benefits (9)
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
Up to $300 per trip, 12-hour delay trigger, max 2 claims/year
Shopping & Lifestyle
+1 year on warranties up to 5 years, $10,000 per item
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 Does NOT include Walmart, Target, Costco, convenience stores. | 3x |
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.
See Your Gap — It's FreeNo bank login required. Takes 30 seconds.