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What this credit is
Enroll; only the 5 partner merchants count and $10 expires each month
At $10 per calendar month, this credit is worth $120 a year — but only to someone who uses it in all 12 windows. Use it in half of them and it is worth $60.
Set against the card’s $325 annual fee, using this one credit in full covers 37% of it.
How the monthly reset works
It resets on the 1st of every month. Twelve separate use-it-or-lose-it windows. An unused month is simply gone — nothing rolls forward — so the headline annual number only materialises if you remember it twelve times in a row. This is the cadence people lose the most money to.
Cardful tracks this credit to the cent, shows how much of the current calendar month is still unclaimed, and reminds you before the window closes — which is the whole reason the app exists.
Where people lose this one
- Enrolment required. This credit does not apply automatically — you have to activate it before the spend, and activation does not backdate.
The rest of the Amex Gold Card credits
- Resy Credit — $50 semiannual
- Uber Cash — $10 monthly
See the full Amex Gold Card breakdown →
Related reading
- Which card should you use where?
- The money you leave on the table
- How statement credits really work
- Is the annual fee worth it?
Terms last verified against the issuer’s published page on . Card terms change without notice — always confirm on the issuer’s site before applying.