Gold is built around food: a monthly dining credit, a monthly Uber Cash allowance, a Dunkin' credit, and a twice-a-year Resy credit. Used in full, those four credits cover most of the $325 fee, which makes Gold one of the more achievable break-evens on this list.
Each credit's per-occurrence amount, multiplied by how often it resets in a year.
| Credit | Amount | Cadence | Resets by | Category | Notes |
|---|---|---|---|---|---|
| Dining credit | $10 | Monthly | Calendar year | dining | None |
| Uber Cash | $10 | Monthly | Calendar year | rideshare | None |
| Dunkin' | $7 | Monthly | Calendar year | dining | None |
| Resy | $50 | Twice a year | Calendar year | dining | None |
Non-dollar perks that come with the card, not counted in the math above.
Perq Wallet keeps every credit on this card current and tells you before any of it resets. Or run the numbers for your own wallet.