Rental car insuranceGetting into your Rental Vehicle can be the start of a great vacation. When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver at the rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.Carried by 186 of 581 cards in the catalog
American Express
American Express Gold Card
$325 a yearEverything this card owes you
5statement credits
$674at face value, a year
4protections included
7spend categories that earn extra
5 of those 5 credits pay nothing until they are activated.
American Express Venue Collection Concessions Statement Credit$250
Uber Cash$120
Dining credit$120
Resy credit$100
Dunkin' credit$84
What the number is made of
Your card carries $674 in credits.
Not points and not a valuation. Statement credits with real dollar amounts, attached to real things — a hotel night, a dinner, a membership, a flight you were taking anyway.
The card year
Every credit, on its own clock
The fee is the debit and every credit pays it back — but only inside the window it is live. Mark what you would really use and watch both the calendar and the balance change.
Selections start at “Never.” “Sometimes” counts a credit at 50% of its annual value; “I'd use this” counts it in full. Several of these credits have to be switched on in the issuer's app before they pay anything — that's the “needs activation” tag below.
CreditJFMAMJJASONDWould you use it?
American Express Venue Collection Concessions Statement Credit$250face value$0you get backresets once a yearsharedneeds activation
You get back$0Nothing selected yet — mark the credits you would use above.
Annual fee$325Charged in full, every year, whether you collect or not.
Your effective annual fee$325What the card really costs you once your credits are counted.
Window you would useWindow you would notCard anniversary, not the calendar
Activation
Benefits require activation. We make it easy to enroll in each perk.
Most premium card credits don't start paying automatically. Turn one on in the issuer's app before you count on it.
$0Mark the credits you would use above and this shows what has to be switched on before it pays.Get started — track your activations
How to activate each credit
American Express Venue Collection Concessions Statement Creditsteps not documented$250
Steps for this credit haven't been documented yet — check the issuer's app to activate it.
Uber Cash2 steps$120
- Add the card as a payment method in Uber
- Confirm the card is the eligible one on the account
Dining credit2 steps$120
- Activate the dining benefit
- Pay at a listed restaurant with this card
Resy creditsteps not documented$100
Steps for this credit haven't been documented yet — check the issuer's app to activate it.
Dunkin' creditsteps not documented$84
Steps for this credit haven't been documented yet — check the issuer's app to activate it.
What you're covered for
The protections, and how rare they are
These carry no honest dollar value, so they stay out of the ledger above. What they have instead is scarcity: most cards don't carry them.
3 protections included on this card
Rental car insuranceGetting into your Rental Vehicle can be the start of a great vacation. When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver at the rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.Carried by 186 of 581 cards in the catalog
Travel & emergency assistanceWhenever you travel more than 100 miles from home, Global Assist® Hotline is available for 24/7 medical, legal, financial and other select emergency assistance and coordination services, such as medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.Carried by 342 of 581 cards in the catalogWhat you get in
Access and status
1 access and status perk on this card
Before the card arrives
Track this one from day one
Seven to ten days pass between applying and the card landing. The wallet is built before it arrives — every credit, every reset date, and the 5 activation steps that decide whether the first month pays anything.
Build my wallet
We'll hold the answers you gave above.
Where these figures come from
Verified, drafted, and dated
All 5 credit values on this page reconcile to the published catalog total of $674. Reset cadence, activation requirements, and shared-versus-per-user status come from the same catalog, not a separate estimate.