Card Benefits Checklist
American Express Gold: Are You Using All $424 in Credits?
This card packs 4 separate credits and perks worth $424 a year combined — most cardholders use less than half. Check off what you're already using below.
Annual fee: $325
Earns: 4x dining worldwide (up to $50k/yr then 1x), 4x US supermarkets (up to $25k/yr then 1x), 5x prepaid hotels via Amex Travel, 3x flights booked direct/Amex Travel, 1x else
The Full Checklist
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Dining Credit (Grubhub, Wonder, Cheesecake…) $120/yr ($10/mo)Read the full strategy: Dining Credits Decoded: The Resy POS Trick and Stacking Rakuten on Top →
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Uber Cash ($10/mo) $120/yr⚡ The hack It’s not just for restaurant delivery — in cities where Uber Grocery operates (Miami, Dallas, NYC and others), Uber Cash covers grocery orders too. And on regular Uber Eats…Read the full strategy: Dining Credits Decoded: The Resy POS Trick and Stacking Rakuten on Top →
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Resy Dining Credit ($50 semi-ann.) $100/yr⚡ The hack The credit isn’t tied to booking a table through the Resy app — it’s tied to the restaurant’s point-of-sale system. Any of the 10,000+ U.S. restaurants that use Resy for payment…Read the full strategy: Dining Credits Decoded: The Resy POS Trick and Stacking Rakuten on Top →
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Dunkin' Credit ($7/mo) $84/yr
Stop tracking this by hand
The Uncouch Potato tracks every credit above automatically — reminds you before anything expires, and shows exactly how much of your $424 you've actually used this year.
Track my American Express Gold benefits — free →