What happened
American Express refreshed merchant eligibility for the Gold Card's monthly dining credit. Several popular delivery apps and quick-service restaurants moved on or off the list in early 2026.
Why it matters
The $10 monthly dining credit is worth up to $120 per year — but only if you spend at merchants Amex recognizes. Missing eligible purchases is one of the most common ways cardholders leave money on the table.
Cards & programs to watch
- American Express® Gold Card — primary card affected; verify the credit in your benefits tab after each statement cycle
- Platinum and other Amex cards — separate credits with different merchant rules; don't assume dining eligibility matches Gold
What this means for your wallet
Track where you actually dine each month, then confirm those merchants still qualify. Use WalletFlo's rewards calculator to see how the credit changes net annual value on your spend profile — a $120 credit can swing a card from "nice to have" to "worth the annual fee."
- Check Amex Offers for stacked savings at eligible restaurants
- Set a calendar reminder before the credit resets each month
- Compare against a flat-rate card if your dining is mostly ineligible