AMEX Gold Card

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

AMEX Gold Card Points Calculator for calculating total points based on your monthly spend. Compare results side by side all AMEX cards as well as others!

The American Express 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 has 3 bonus categories which are restaurant (worldwide), U.S. supermarket, and airfare. The U.S. supermarket has a $25,000 per year spend cap in which you'll earn at the non-category rate for the remainder of the year after hitting the cap. The other categories have no cap. There is no limit to the amount of Membership Rewards Points you can earn with the AMEX Gold Card overall.

  • 4x Restaurant
    • Purchases are for restaurants worldwide.
  • 4x U.S. Supermarket
    • Note that these purchases are for the U.S. only; International supermarket purchases will earn you the non-category rate.
    • Annual spend cap of $25,000 per year; Earns at non-category rate once cap is hit
      • Why a limit so high? Because gift cards can be picked up from grocery stores. Earning 4x on gift cards is a great way to expand this category to others (i.e. getting a $100 AutoZone gift card is equal to earning 4x on Autozone purchases).
  • 3x Airfare
    • Can be booked direct or through the American Express Travel Portal.
  • 1x Non-Category

The AMEX Gold Card is the best Membership Rewards Card for maximizing your earnings on both restaurant and U.S. supermarket spend. It's also a great choice for dining charges internationally since the card has no foreign transaction fee.

Perks & Benefits

The AMEX Gold offers $220 in annual credits across airline and dining as well as your handful of enhanced AMEX benefits.

  • Annual $100 Airline Incidental Credit
    • Applies to your chosen airline that you pick upon receiving the card and every January thereafter.
    • Can be used with the following airlines:
      • Alaska Airlines
      • American Airlines
      • Delta Airlines
      • Frontier Airlines
      • Hawaiian Airlines
      • JetBlue Airways
      • Spirit Airlines
      • Southwest Airlines
      • United Airlines
    • Incidental charges are credited back to your account in the form of a statement credit.
    • Baggage fees, lounge fees, and in-flight purchases count as incidental charges; Can also be triggered by some seat costs (such as paying for an Exit seat).
    • Chosen airline does not have to be the same airline you picked on other cards that feature this benefit.
  • Annual $120 Dining Credit
    • Credit is broken up into $15 per month.
    • Credits do not roll over; Use it or lose it.
    • Only applies to the following restaurants:
      • GrubHub
      • Seamless
      • The Cheesecake Factory
      • Ruth's Chris Steak House
      • Shake Shack
      • Boxed
  • The Hotel Collection
    • When staying 2+ consecutive nights, you will receive:
      • $100 USD hotel credit towards hotel amenities such as dining, drinks, and spa.
      • Room upgrade at check-in.
  • The Travel Collection by Travel Leaders Group
  • ShopRunner Membership
  • No Preset Spending Limit (NPSL)
  • AMEX Offers
  • AMEX Entertainment Access
    • AMEX Presales
    • AMEX Preferred Seating
    • Access To Exclusive Events
  • Insurance and Purchase Protections

Sign Up Bonus (SUB)

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.


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. With the restaurants category applying worldwide, this is the #1 choice for anyone looking to earn Membership Rewards Points on international dining purchases. While AMEX is now more widely accepted than ever, you will still want a back up VISA or Mastercard with no foreign transaction fee that earns a great return on dining 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 other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here
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...
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.
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 ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
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
Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
Learn how you can use cash back portals to earn hundreds in cash back every year booking travel and shopping online. Easily double and triple dip on rewards when you combine cash back portals, loyalty programs, and rewards credit cards.
Calculator Continues Below
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.
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
Edit Fees
Edit the annual fee and authorized user fee of this 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.
Total Return
The percent you are earning per dollar spent on this card.

Recommended Reads