Points and Cash Value Calculator - AMEX Gold Card

AMEX Gold Card

4X Restaurants (Worldwide)
4X U.S. Supermarkets
3X Airfare (Directly & AMEX Travel)
$120 Dining Credit
$100 Annual Airline Fee Credit

The AMEX Gold Point Calculator will calculate the total points you can earn and the card's cash value based on monthly spend, card benefits, and fees. You can then compare the results side by side against any card on the site. Any spend that you enter into the calculator will carry over to all calculators on the site.


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The AMEX Gold Card is one of AMEX's best credit cards and is generally one of the best on the market for earning points. It offers big returns for those who spend in the supermarket and restaurant categories. It also provides $120 in annual dining credits and $100 in airline incidental credits. Pair this card with Platinum and Blue Business Plus, and you're looking at one of the best AMEX combinations of cards.

Bonus Categories

The AMEX Gold Card features 3 bonus categories that will earn extra Membership Rewards Points. Those categories are restaurants, supermarkets, and airfare purchased either directly with the airline or through the American Express Travel website. The U.S. Supermarket category has a max spend of $25,000 per year in purchases. After that max is hit, you will only earn 1x Membership Rewards Points per $1 spent on supermarket purchases. The other categories on this card has no cap. There is no limit to the amount of Membership Rewards Points you can earn with this card. Below are the details of the Gold Card's bonus categories.

4x Restaurant

The AMEX Gold Card earns 4 Membership Rewards Points per $1 spent at restaurants worldwide. This is the best return you can earn on dining out with any AMEX card. The AMEX Gold Card is a must have for anyone that eats out frequently. You're looking at a minimum return of 4%, but for anyone who knows how to redeem Membership Rewards Points for more value (or if you have the Business Platinum Card) this card will be essential.

Use the $120 dining credit for these great restaurants/services.

4x U.S. Supermarket

Supermarket shopping with the AMEX Gold Card will earn you 4 Membership Rewards Points per $1 spent. This will apply to merchants whose primary business is selling groceries. Examples include places such as Vons, Giant Eagle, Winn Dixie, and Publix. The only other AMEX card that has the potential to do better is the Everyday Preferred Card which can earn up to 4.5x points on Supermarket purchases. It then becomes a matter of if how much will that extra 0.5x points mean to you and if the other perks of the Gold Card can outweigh the Everyday Preferred. Lots of cardholders also put non-category spend on the Everyday Preferred due to it's 1.5x earning rate with the 50% transaction bonus. Deciding on which cards to go with was a challenge for me, so hopefully these calculators can assist in clearing up your decisions!

3x Airfare Directly or AMEX Travel

The AMEX Gold Card earns 3 Membership Rewards Points on airfare booked directly with the airline or booked through the American Express Travel Portal. This airfare must be a scheduled flight on a passenger carrier. Vacation packages made on the Gold Card will not apply. Only The Platinum Card offers a higher earning at 5x Membership Rewards Points per $1 spent. Depending on how much you travel, holding both cards isn't totally out of the question, but if you don't travel several times a year and don't really need the access to 1,000's of lounges for you and all Platinum Card authorized users, you're better off picking up the Gold Card.

1x Non-Category

The Gold Card earns 1 Membership Rewards Point per $1 spent on non-bonus categories. The best card for non-category purchases in the Membership Rewards Point card line-up is the Blue Business Plus Card (2x points) followed by the Everyday Preferred Card (1.5x points).

+1 AMEX Travel Portal

All Membership Rewards Points earning cards earn 1 additional point per $1 spent on all (non-bonus category) purchases booked through the American Express Travel Portal.

Perks and Benefits

$100 Airline Incidentals Credit

The AMEX Gold Card offers a $100 Airline Credit for incidentals on a chosen airline. Qualifying airlines include:

Incidental air travel fees must be charged to the Card Member on the eligible Card Account for the benefit to apply and incidental air travel fees charged by both the Basic and Additional Card Members on the eligible Card Account are eligible for statement credits. The account is only up to a $100 credit, per calendar year, across all the card accounts.

$120 Dining Credit

AMEX Gold Members will receive $10 in monthly statement credits eligible at several restaurants. This AMEX dining credit is across the entire Card Account. Usage of the card at eligible restaurants by the primary cardholder or authorized users will deplete the credit balance. The following restaurants are eligible for this credit:

  • Grubhub
  • Seamless
  • The Cheesecake Factory
  • Ruth's Chris Steak House
  • Shake Shack
  • Boxed
Add AMEX Offers to your Gold Card and earn even more rewards!

Standard AMEX Perks

The AMEX Gold Card also features the standard American Express Credit Card perks such as, but not limited to, 2x Membership Rewards Points for purchases with AMEX Travel, AMEX Offers, access to AMEX presale tickets, return protection, roadside assistance, complimentary ShopRunner membership, extended warranty, purchase protection, and travel accident insurance.

Sign Up Bonus

The standard AMEX Gold Card sign up bonus is 40,000 Membership Rewards Points after you use the new Card to make $2,000 in purchases within the first 3 months of Card Membership. You can sometimes use incognito/private browser to get a sign up bonus of 50,000 Membership Rewards Points as a welcome offer.

Credit Card Fees

Fees
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

The annual fee for the Gold Card is $250. This is an increase from the Premier Reward Gold's fee of $195. If you can make proper use of the $100 annual airline credit and $120 in dining credit, that would bring the fee down to $30 a year. While the airline credit isn't too hard to use, the dining credit is tied to specific restaurants so that could be a little harder to use depending on where you live and/or enjoy the restaurants.

Authorized User Fee

Whereas the Premier Rewards Gold used to have an authorized user fee, the AMEX Gold Card does not. Adding additional users to the Gold Card will not take away from the value. This is an excellent card to add additional users to thanks to the high amount of Membership Rewards Points it offers.

Foreign Transaction Fee

There is no foreign transaction fee on the Gold Card. This means you will not be penalized for making purchases outside of the United States. Since the restaurant category now applies to restaurants worldwide as of June 2019, this should be the #1 choice for anyone looking to earn Membership Rewards Points on international dining purchases. This helps the AMEX Gold Card rival cards with Chase and Citi which doesn't have the U.S.-based restrictions. While AMEX is more widely accepted than ever, you will still want a great back up VISA or Mastercard with no foreign transaction fee just in case.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
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0 Cent(s)
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
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Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Options
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Deselect All
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
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Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
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Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
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Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
$0
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
$0
Edit Fees
Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth Fee: -
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
$0
Total Return
The percent you are earning per dollar spent on this card.
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Page Last Updated: 2019-08-07

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.


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