Offer terms
Spend requirement
$6,000 in eligible purchases
Spend $6,000 in eligible purchases within 6 months.
Spend deadline
Mar 28, 2026
Terms summary
Earn 90K Membership Rewards points after $6,000 in eligible purchases within 6 months.
D1 Read-only sample Waiting bonus
American Express Gold 90K + Dining Credit
Read-only sample card offer with generated spend, payout, fee, and review timing.
Next action Open
Check if the bonus posted
Bonus check due Apr 11, 2026
Action resolution
Resolve with payout evidence before clearing the bonus check.
Use issuer payout evidence and lifecycle dates before marking this card action complete.
Weekly review Clear or defer the action with the household board. Monthly report Reconcile the bonus once payout evidence posts.
Payout status
Waiting on payout
Confirm the issuer-side reward activity before clearing the action.
Annual fee
$325
Keep the fee review visible while waiting for the welcome bonus.
Safe close
Jan 28, 2027
Treat this as the earliest lifecycle guardrail, not an automatic close.
Payout and fees
Gross bonus
90K Membership Rewards points
Annual fee
$325
Monthly fee
$0
Payout status
Waiting on payout
Points are tracked separately from cash until valuation is added.
Calendar actions
Spend Completed
Finish required spend
Due Mar 28, 2026 - completed Mar 28, 2026
Bonus check Open
Check if the bonus posted
Due Apr 11, 2026
Annual fee Open
Review annual fee
Due Dec 28, 2026
Lifecycle review
Applied
Jan 25, 2026
Opened
Jan 28, 2026
Safe close
Jan 28, 2027
Next eligible
Jan 28, 2029
Review note
Waiting for the welcome bonus to post. Confirm dining credits before the annual fee review.