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NumCrunch

American Express Gold Card

$325/yr annual fee

AmEx Membership Rewards aren't cash back — value depends on how you redeem them. Drag to match how you plan to use your points.

1.0¢ / pt
0.6¢
Statement credit
1.0¢
Portal flights
2.5¢
Transfer partners

Are you opening the card or thinking about closing it? Each situation has its own bonus — but you only get one. 😏

Current offer: up to 100,000 pts after $8,000 spend in 6 months
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Enter your estimated annual spend in each bonus category.

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Drag each slider to reflect how much of the credit you'd realistically use per year.

Dining Credit
$/ $120 max

$10/month at GrubHub, The Cheesecake Factory, Five Guys, Buffalo Wild Wings & Wonder. Note: Goldbelly & Wine.com expiring June 30, 2026. Pro tip: order pickup on GrubHub to avoid delivery fees and get the full $10 of value.

Ease of use4/5

Restricted to specific merchants only. Goldbelly and Wine.com are losing eligibility June 30, 2026. Monthly $10 does not roll over — use it within the calendar month or lose it. Ordering pickup on GrubHub eliminates delivery and service fees, making the credit go further.

Uber Cash
$/ $120 max

$10/month deposited as Uber Cash for Uber rides & Uber Eats.

Ease of use4/5

Must link your Amex Gold to your Uber account first. Monthly $10 does not roll over — unused Uber Cash expires at the end of each calendar month.

Uber One CreditLimited time
$/ $96 max

One-time up to $96 statement credit toward an annual Uber One membership. Available April 30 – Oct 30, 2026 only.

Ease of use4/5

Limited-time offer — available April 30 through October 30, 2026 only. One-time credit toward an annual Uber One membership; not a recurring benefit.

Dunkin' Credit
$/ $84 max

$7/month credit at Dunkin'. Pro tip: on the 1st of each month, reload a Dunkin' gift card through the app using your Amex Gold — this triggers the credit and loads your balance. Then pay in-store with the gift card to earn Dunkin' rewards points, effectively double-dipping.

Ease of use4/5

$7/month, does not roll over. Reload a Dunkin' app gift card on the 1st to lock in the credit, then pay with the gift card to stack Dunkin' rewards on top. Some locations inside airports, hospitals, or other venues may not trigger the credit.

Resy Credit
$/ $100 max

$50 semi-annual credit (Jan–Jun & Jul–Dec) at restaurants on Resy.

Ease of use3/5

$50 per semi-annual window; unused portions do not roll over. Resy restaurant availability is strongest in major metros — varies significantly in smaller markets.

Optional — enter a dollar value for any protection or status benefits you'd use.

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Your breakdown
Points (0 pts @ 1.0¢)$0.00
Credits$0.00
Total value$0.00
Annual fee−$325
Net value$-325.00
✗ May not be worth it
You need $325.00 more in value to break even.
Thinking about closing it? Use the cancel or downgrade decision tree →
Credits: your value vs max
Dining
$0
Uber
$0
Uber
$0
Dunkin'
$0
Resy
$0
■ Your value■ Max

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