Every Amex Gold Credit in 2026: The Monthly Calendar That Pays Back the $325 Fee
Three monthly credits, one semi-annual Resy credit and a hotel credit add up to $524 a year against a $325 fee, but only if you clear 39 deadlines and enroll in four of them. The calendar, the easy-to-miss ones, and the math.
Quick answer: The Amex Gold carries 5 recurring credits worth $524 a year at face value against its $325 fee. They produce 39 separate deadlines a year, 3 of them monthly, and 4 of the 5 need enrollment before they pay anything. The calendar below is generated from the same database rows that power the MaxWorth app; every credit links to its own page with the full terms.
The Amex Gold is the card where the fee is small and the leak is constant. Nothing on it is worth more than $10 a month, so no single miss hurts; the damage is twelve small misses. Three of the five credits reset on the 1st of every month, and the Dunkin, dining and Uber credits each need a one-time enrollment before they pay anything.
The calendar
| Cycle | Credit | Per cycle | Per year | Enroll | Resets |
|---|---|---|---|---|---|
| Monthly | $10 Monthly Dining Credit | $10 | $120 | Yes | the 1st of each month |
| Monthly | $10 Monthly Uber Credit | $10 | $120 | Yes | the 1st of each month |
| Monthly | $7 Monthly Dunkin Credit | $7 | $84 | Yes | the 1st of each month |
| Semi-annual | $100 Resy Credit | $50 | $100 | Yes | Jan 1 and Jul 1 |
| Annual | Hotel Collection | $100 | $100 | No | yearly, per terms |
Per cycle is the issuer-stated cap for one period. Resets reads the published terms: credits stated per calendar year reset on January 1, credits stated per cardmember year reset on your anniversary, and where the terms say neither we say so rather than guess.
The ones people miss
- The $10 dining credit only counts at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com and Five Guys. In September 2026 it was logged as used by 11% of active Gold holders in MaxWorth, below the Uber credit (13.5%) and the $7 Dunkin credit (13.8%); the merchant list is the reason.
- Uber Cash lands in the Uber app, not on your statement. Add the card in the Uber wallet once; the $10 appears on the 1st and expires at month end whether you noticed or not.
- The Resy credit is two $50 halves, January to June and July to December. It is the one Gold credit that survives a forgotten month, and the one that quietly expires on July 1.
Does it cover the fee
At face value the five credits are worth $524 against the $325 fee. Count only what most people can use without changing habits, the Uber Cash and one of the dining or Dunkin credits, and you are at $204 to $240 a year, which means the 4x on restaurants and US supermarkets has to carry the rest. That is a fair deal for a household that eats out; it is not a deal at all for one that lets the monthly credits lapse.
How to run this calendar without a spreadsheet
Add the Amex Gold to MaxWorth and every credit above appears with its cycle already set: the monthly ones on the 1st, the quarterly ones on quarter boundaries, the annual ones on January 1 or your anniversary as the terms dictate. You get a push before each one expires, mark it used when you use it, and the card’s annual-fee ROI runs from what you marked. No bank account is connected at any point. The full card page lists the status perks and protections that this article leaves out.
Frequently Asked Questions
Which Amex Gold credits reset monthly?
Three: the $10 dining credit, the $10 Uber Cash and the $7 Dunkin credit, all on the 1st of the month. Unused amounts do not roll over.
Do Amex Gold credits need enrollment?
Four of the five do: dining, Uber, Dunkin and Resy must be enrolled once in your Amex account before they pay out. The $100 Hotel Collection credit does not.
Is the Amex Gold annual fee worth it?
The credits alone cover the $325 fee only if you use nearly all of them. Most holders should count on the Uber Cash plus one monthly food credit, roughly $204 to $240, and let the 4x earning on dining and groceries decide the rest.