Best Credit Cards For AMEX Membership Rewards Points

Enter your spend across multiple categories to get a list of the best credit cards for earning AMEX Membership Rewards Points. Compare results to top cards.


Finding the best combination of Membership Rewards credit cards can be challenging. You'll have to consider earning rates across different categories, benefits that the card offers, and any annual fees that may come with having the card.

The Membership Rewards Points Calculator on this page can help give you an idea of what cards may be the best pick for you based on how much you plan on spending across various categories. You'll get a list of either the cards that offer the best estimated return or the most Membership Rewards Points per $1 spent. From there, you can click on the Rewards Calculator and further tweak the calculations to include how much you value perks and benefits, sign up bonuses, authorized user fees, and more.

Best Credit Card Calculator

This calculator will give you a list of the best credit cards for earning Membership Rewards Points based on your monthly, yearly, or quarterly spend across different categories. Results will include credit cards that earn Membership Rewards Points directly.

Credit Card Search Types

Best Cards By Estimated Return - Get a list of credit cards that gives you the best return. This is based on spend, currency value, annual credits, and annual fees.

Best Cards By Total Points - Get a list of credit cards that earns you the most points/miles based on spend. Currency value, annual credits, and annual fees are not factored into this search. Great for those who get waived fees (i.e. military).

After your results are displayed, I recommend clicking on a card's Rewards Calculator. This allows you to come up with a more accurate number by adjusting the cash value of perk, being able to calculate spend bonuses & other savings, add in sign up bonuses, toggle annual fees and authorized user fees, and much more. You'll also be able to compare the results side by side any credit card featured on the site!

Click on Rewards Calculator to compare credit cards side by side based on spend, benefits, and fees. You can also change any credit card to reflect transfer partner ratios (when applicable).

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'.
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Category Spend

Enter your spend per month, year, or quarter for the listed categories. You can click Add/Remove Categories to adjust the listed categories. You can hit Calculate to calculate the results of your spend against all cards in the database.

Currency Value

You can input how much you value the currency per cent and the results will give you the estimate return based on spend, value, annual credits, and annual fees. This field has no effect on the Best Cards By Total Points search.
Input value in cents ($0.0XXXX) or regional equivalent.

Region

Select the region of the cards you want displayed in the results. Please note that all credit cards may not be accounted for in each region.

Bank (Holder)

The bank issuing the card. [Populates After Search]

Network

The network the card is tied to. [Populates After Search]

Card Type

The type of card such as co-branded airline cards, hotel cards, cruise line cards, and bank rewards cards. [Populates After Search]

Personal/Business

Toggle switch for displaying personal and business cards. Mixed/Combos are pairs of 2 or more cards such as the AMEX Trifecta, Chase Trifecta and others. They can consist of a mix of personal and business cards.

Annual Fee (Range)

The range of fees you're willing to pay to wield such cards.

Foreign Transaction Fee

The percentage of fees you'll pay on the dollar (or local currency) when you use the card outside of it's region.

Results

Do note that results may take a few seconds to generate after doing a search. For more accurate results, I recommend using the Rewards Calculator. Some credit cards may appear in this list more than once if there's more than one path to transferring rewards. Credit cards with negative returns may also appear in this list, but be sure to consider the perks of the card before canceling it out as an option!
Results Will Appear Here

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