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Compare AMEX Membership Rewards Cards

AMEX Points Calculator

Compare AMEX Membership Rewards Credit Cards side by side, calculate how many AMEX Points you can earn with each card, and find out which AMEX card is best.


American Express has a total of 10 credit cards that you can use to earn Membership Rewards Points. This consists of six personal credit cards and four business credit cards.

The AMEX Credit Card Comparison Calculator will compare any two cards or combinations you choose based on your spend, the value of the benefits offered on each card, and any annual fees the card may have. If you want to compare Membership Rewards credit cards against cards outside of the Membership Rewards family, you'll need to visit that card's specific Membership Rewards Points Calculator.

Personal Cards

American Express offers six personal Membership Rewards credit cards that you can use to earn points.

AMEX Platinum Card

The AMEX Platinum Card is a premium luxury credit card that offers elite travel benefits. It's a great card for anyone that wants extensive lounge access and it's also a great card for those who enjoy flying Delta Airlines.

AMEX Platinum Card Benefits

  • 5x Points On Airfare
  • 5x Points On AMEX Travel Airfare
  • 5x Points On AMEX Travel Hotel
  • $200 Annual Airline Incidentals Credit
  • $200 Annual Uber Credit
  • $100 Annual Saks Fifth Credit
  • $100 Global Entry/TSA PreCheck Credit
  • Marriott Gold Status
  • Hilton Gold Status
  • Centurion Lounge Access
  • Delta SkyClub Access (when flying Delta)
  • Priority Pass
  • Other Lounge Access
  • Rental Car Benefits
  • Fine Hotels & Resorts
  • The Hotel Collection
  • +More Benefits

AMEX Gold Card

The AMEX Gold Card is top of the line for anyone looking to earn Membership Rewards Points on dining and supermarket purchases. You can use the supermarkets category to pick up gift cards in-store and earn a great return across many categories.

AMEX Gold Card Benefits

  • 4x Points On Restaurants
  • 4x Points On U.S. Supermarkets
  • 3x Points On Airfare Purchased Directly w/ Airline
  • 3x Points On AMEX Travel Airfare
  • $120 Annual Dining Credit
  • $100 Annual Airline Incidentals Credit
  • The Hotel Collection

AMEX Green Card

The AMEX Green Card is specializes in earning Membership Rewards Points on travel and dining purchases. While it does overlap with The Gold Card in the restaurant department, it's possible to get great value out of the card if you spend a lot in the travel category.

AMEX Green Card Benefits

  • 3x Points On Travel
  • 3x Points On AMEX Travel Portal
  • 3x Points On Transit
  • 3x Points On Restaurants
  • $100 Annual CLEAR Credit
  • $100 Annual LoungeBuddy Credit

AMEX Everyday Preferred

The AMEX Everyday Preferred is a great card for earning on supermarket and gas station spend. With the ability to earn a 50% boost to points earned, it's also great alternative to the AMEX Blue Business Plus for anyone looking to earn a solid return on non-category spend.

AMEX Everyday Preferred Benefits

  • 3x-4.5x Points On U.S. Supermarket
  • 2x-3x Points On U.S. Gas Station
  • 1x-1.5x Points On Everything Else
  • 50% Point Bonus After 30 Transactions

AMEX Everyday Card

The AMEX Everyday Card is a step down from the Everyday Preferred. It's a great option for those who occasionally grocery shop who can't justify picking up the annual fee version.

AMEX Everyday Card Benefits

  • 2x-2.4x Points On U.S. Supermarket
  • 1x-1.2x Points On Everything Else
  • 20% Point Bonus After 20 Transactions

AMEX Blue Card

The AMEX Blue Card is for getting your foot in the door with AMEX. You're better off going for the AMEX Everyday Card as the Blue Card doesn't really offer anything. You'll earn 1 Membership Rewards Point on all purchases.

Business Cards

American Express offers four business Membership Rewards credit cards that you can use to earn points.

AMEX Business Platinum Card

The AMEX Business Platinum Card is a premium travel card that offers extensive travel benefits similar to the personal Platinum Card. The notable benefit (in my opinion) is the 35% point rebate on AMEX Travel Airfare the card offers which gives Membership Rewards Points a value of 1.538 cents each.

  • 5x Points On AMEX Travel Airfare
  • 5x Points On AMEX Travel Hotel
  • 1.5x Points On $5k+ Purchases
  • $200 Annual Airline Incidentals Credit
  • $100 Annual Dell Credit
  • $100 Global Entry/TSA PreCheck Credit
  • 35% Point Rebate On AMEX Travel Airfare

AMEX Business Gold Card

The AMEX Business Gold Card features a total of six possible categories. Of those six categories, you'll earn 4x Membership Rewards Points on the two categories you spend the most in per month and 1x in the remaining 4. The card also offers a 25% point rebate which bumps the value of Membership Rewards Points to 1.3 cents each on AMEX Travel Airfare redemptions.

  • 1x-4x Points On Airfare
  • 1x-4x Points On U.S. Advertisement
  • 1x-4x Points On U.S. Computer Hardware, Software, and Cloud
  • 1x-4x Points On U.S. Gas Station
  • 1x-4x Points On Restaurants
  • 1x-4x Points On U.S. Shipping
  • 25% Point Rebate

AMEX Business Green Card

The AMEX Business Green Card is a basic charge card that earns a single point on all purchases except for AMEX Travel purchases in which you'll earn an additional one point for a total of 2 points per $1 spent.

  • 2x Points On AMEX Travel Portal

AMEX Blue Business Plus Card

The AMEX Blue Business Plus Card is the best option for non-category purchases as it earns 2x Membership Rewards Points on the first $50,000 in purchases made during the calendar year. I recommend trying to pick up this card regardless of whether you plan on using it for business or personal spend.

  • 2x Points On First $50,000 In Purchases

AMEX Combinations and Trifectas

In order to get the most out of your Membership Rewards credit cards, you'll typically have to pick up more than one card. Finding the best combination of AMEX credit cards will heavily depend on how you plan on using. The combinations listed below are the most commonly recommended. These combinations are available in the AMEX Comparison Calculator on this page.

AMEX Green + Everyday Preferred

The AMEX Green and AMEX Everyday Preferred combination covers the categories of travel, restaurant/dining, U.S. supermarket, and gas station purchases. It's a powerful combination that offers maximum rewards and no overlapping categories.

AMEX Green + Everyday

The AMEX Green and AMEX Everyday combination covers the categories of travel, restaurant/dining, and U.S. supermarket purchases. It's a great combination for those who want to earn a great return on traveling and dining while also earning points on the occasional grocery store visit.

AMEX Trifecta 1

The AMEX Trifecta 1 consists of the AMEX Platinum, AMEX Gold, and AMEX Blue Business Plus Card. This is the most common trifecta for those who frequently travel and wants to earn a great amount of points on restaurant/dining and U.S. supermarket purchases. The Blue Business Plus supports this combination by earning double points on all other purchases.

Comparison Calculator
Rewards and Card Value Comparison Calculator

You can use this rewards comparison 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 cards based on rewards earned and how much each benefit is worth to you minus the fees. You'll be able to change the cards in both columns with this calculator.

All category spend entered in the first column will carry over to all credit card pages on the site. This means you don't have to re-enter the same information over again. You can use the Copy functions under the Options menu within the Categories & Bonuses section.

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.
Change Cards
Compare A Card
Compare Cards
These cards are part of the same family.
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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 ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Options
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) 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
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Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
$0
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.
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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 this card (if applicable).
Annual Fee:
Auth Fee:
$0
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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