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Amex Gold vs CSP for Dining: 4x vs 3x Plus $220 in Dining Credits (2026)

Dining is where the Amex Gold has its strongest case. Higher earn rates plus $220 in dining-related credits make it the clear winner for restaurant spending. But CSP has advantages too.

Earn Rate: 4x vs 3x

Amex Gold earns 4x Membership Rewards at restaurants worldwide, capped at $50,000/year. CSP earns 3x Ultimate Rewards on dining (including restaurants, bars, fast food, and coffee shops). The 1x difference translates to real money over a year.

Monthly Dining SpendGold Points/YrGold ValueCSP Points/YrCSP ValueGold Advantage
$200/mo9,600$1447,200$108+$36
$500/mo24,000$36018,000$270+$90
$800/mo38,400$57628,800$432+$144
$1,200/mo57,600$86443,200$648+$216

Amex Gold Dining Credits: $220/Year

$120 Dining Credit

$10/month at select merchants:

  • Grubhub - Food delivery (easiest to use)
  • Cheesecake Factory - Dine-in and takeout
  • Goldbelly - Specialty food delivery
  • Wine.com - Wine delivery
  • Milk Bar - Bakery and desserts

$100 Resy Credit

$50 biannually at Resy-booked restaurants:

  • Book a table through the Resy app or website
  • Pay with your Amex Gold card at the restaurant
  • Credit applied as a statement credit
  • Best coverage in NYC, LA, Chicago, SF, Miami
  • Limited coverage in smaller cities and suburban areas

Combined with the earn rate advantage, Gold provides roughly $310 more in annual dining value at $500/month spend: $90 from the extra 1x earn rate, $120 from the dining credit, and $100 from the Resy credit.

CSP Dining Strengths

Broader Dining Definition

Chase defines dining to include restaurants, bars, fast food chains, coffee shops, bakeries, and food trucks. The 3x category is broader than some competitors. This means your Starbucks runs, McDonald's stops, and bar tabs all earn 3x UR.

DoorDash DashPass

CSP includes a complimentary DoorDash DashPass membership (worth roughly $120/year retail). This waives delivery fees on orders over $12, saving $5-10 per order. If you order delivery twice per month, you save $120-240/year in fees. This is CSP's answer to Gold's dining credit.

Visa Acceptance

Visa is accepted at virtually every restaurant in the US and abroad. Amex acceptance, while improving, is still limited at some small independent restaurants, food trucks, and many international venues. If you frequently dine at places that do not take Amex, CSP is the safer choice.

Total Annual Dining Value at $500/Month

ComponentAmex GoldCSP
Dining points value (1.5cpp)$360$270
Dining credit$120$0
Resy credit$100$0
DashPass value (est.)$0$120
Total dining value$580$390

Dining FAQ

How does the Amex Gold dining credit work?▾
The Amex Gold $120 annual dining credit is distributed as $10/month and automatically applied when you purchase at Grubhub, Cheesecake Factory, Goldbelly, Wine.com, or Milk Bar using your Gold card. The credit resets monthly and does not roll over. Any purchase at these merchants triggers the credit up to the $10 monthly cap.
What is the Amex Gold Resy credit?▾
The Resy credit provides $100 per year ($50 biannually) when you dine at restaurants booked through the Resy platform and pay with your Amex Gold card. You must book through Resy and charge the meal to your Gold card. Resy is popular in major US cities like New York, Los Angeles, Chicago, and San Francisco, but has limited coverage in smaller markets.
Does CSP earn 3x at fast food and bars?▾
Yes. Chase defines dining broadly to include restaurants, bars, fast food, coffee shops, bakeries, and other food and drink establishments. The 3x category is more inclusive than some competitors. This means your Starbucks, McDonald's, and bar tabs all earn 3x UR points with CSP.

Related Pages

Rewards ComparisonGroceriesFee AnalysisFor FamiliesBest Dining Cards

Updated 11 April 2026