Here's what you need to know about the AmEx Gold dining credit, including where you can use it, and how to make sure you're getting it.
When it comes to having a credit card with an annual fee, it's important to make sure that you're getting enough benefits to outweigh the annual fee.
The credit is broken out into monthly $10 chunks and applied automatically to purchases made at a few specific restaurants: Cheesecake Factory, Ruth's Chris Steak House, and at participating Shake Shack locations. That's a somewhat limited list, but fortunately, the credit also applies to any order placed through food delivery services Grubhub or Seamless.
offers 4x points back per dollar spent at US restaurants and on the first $25,000 spent annually at US supermarkets , so in addition to the monthly credits, you'll earn plenty of points on those purchases, too. Click here to learn more about the American Express Gold Card from Insider Picks' partner: The Points Guy.
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