AMEX Gold Card
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.
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.
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.
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.
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.
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:
- Alaska Airlines
- American Airlines
- Delta Airlines
- Frontier Airlines
- Hawaiian Airlines
- JetBlue Airways
- Spirit Airlines
- Southwest Airlines
- United Airlines
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:
- The Cheesecake Factory
- Ruth's Chris Steak House
- Shake Shack
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
|Authorized User Fee|
|Foreign Transaction 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.
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.
Editorial Note: All opinions expressed on this site are my own and not those of any bank, rental car company, credit card issuer, hotel company, or any entity mentioned herein. Opinions, calculators, and other editorial content on this page have not been approved or endorsed by any entities on this site. You can read our Private Policy to learn more.
Advertiser Disclosure: Advertisements are listed throughout this site. I may be compensated if you choose to use any of the links on this page. This includes, but is not limited to, making purchases, signing up for programs, and applying for credit cards. You can view the details of that on our Advertising Policy page.
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.
The Point Calculator is owned by RF3 LLC. This site is informational and meant to provide help in calculating points with various programs. The owner of this site is not a legal or tax professional and the statements and articles on this site are opinion of the owner and should not be relied upon for individual circumstances.2019 The Point Calculator and its logo is copyrighted and owned by RF3 LLC. All Rights Reserved.