AMEX Gold vs Barclays Uber Visa Card Calculator

AMEX Gold vs Barclays Uber Visa


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The American Express Gold Card and the Barclays Uber Visa Card are both known for being two of the best rewards cards when it comes to earning on dining purchases. As with most cash back vs point comparisons, it's going to come down to how much you value Membership Rewards Points, how you plan on using the rewards offered by both cards, and whether or not you will use the other available bonus categories on both cards.

Membership Rewards Points vs Barclays Cash Back

When redeemed directly with American Express, Membership Rewards Points are valued at 1 cents each or less. You can get the value of 1 cent when redeeming your points for airfare, select gift cards, and charity. In order to get a higher value out of Membership Rewards Points, you will have to transfer points to their airline partners. The value you get out of transferring your points will vary.

Cash back earned with Barclays is displayed in points. When you're earning 4% cash back spending in the restaurant category on this card, you will be earning 4 points per $1 spent. Since each every point is worth 1 cent each, this is looked at as earning 4%. This means if you have 2,000 points, you have $20 in rewards. All redemptions with the Barclays Uber Rewards program is 1:1 so each point will always be worth 1 cent. Rewards can be transferred to your Uber account, be used for gift cards, or applied to the card as a statement credit.

So when is one better than the other? Membership Rewards Points will generally be the better option for those looking to use their rewards for airfare. This is because you can redeem points for airfare directly with American Express at a value of 1 cents each or you can transfer your points to airline partners for an even great value. For example, a round-trip ticket from Detroit to London will cost you $1,311 on Virgin Atlantic.

Round trip between DTW and LHR is $1,311 in Main Cabin

This would cost you 131,100 Uber Rewards Points and redeeming them would give you a value of 1 cents per point. You could also redeem through the American Express Travel Website for 131,000 Membership Rewards Points. Both of these redemption options are terrible.

So what's the best option? Membership Rewards Points. You can transfer your Membership Rewards Points directly to the Virgin Atlantic program. The same flight costs 25,000 points and $572.43.

Round trip between DTW and LHR will cost 25,000 points + $572.43.

Transferring your points to Virgin Atlantic would give your Membership Rewards Points a value of 2.9 cents each which is almost triple the value of redeeming them directly with the website. Want to save a little more cash and pay out some more points? Since Delta and Virgin Atlantic are partners, you can book this same flight on the Delta website.

Round trip on Delta for 74,000 Skymiles and $185.23.

Transferring your Membership Rewards Points to Delta Airlines would give your points a value of 1.5 cents each. This is lower than the Virgin Atlantic redemption, but you will save more cash out of pocket. Regardless, you will get a better value transferring these points. That's the best perk about rewards programs with transferable points!

Bonus Categories

The American Express Gold Card features three bonus categories which are supermarket, restaurant, and airfare purchases. There is a cap of $25,000 on the grocery category and once you hit the cap, you will earn rewards at the non-category rate (1 point per $1). There is no cap on the remaining categories.

The Uber Visa Card features 10 bonus categories which are restaurants, bars, UberEats, airfare, hotels, vacation home rentals, online purchases, Uber, video streaming services, and music streaming services. There is no cap on any of the bonus categories and no limit to the amount of cash back you can earn with the card in general.

Restaurant

Restaurant Earnings
AMEX Gold Card Barclays Uber Visa Card
4x Membership Rewards Points 4% Cash Back

The American Express Gold Card earns 4 Membership Reward Points per $1 spent while the Barclays Uber Visa Card earns 4% cash back per $1 spent. This is a 4% return for the Uber Card, but for the AMEX Gold this can be as low as a 2% return (low end gift cards) to a 10% or higher return (transferring to airlines). So if you're going for airfare redemptions and/or point transfers, the AMEX Gold Card is going to be the winner as you will have the chance to get a lot more value out of the points. Otherwise if you're going for the more simple redemptions such as statement credits and gift cards, the Barclays Uber Visa will usually give you more value.

Bars

Bars Earnings
AMEX Gold Card Barclays Uber Visa Card
1x Membership Rewards Points 4% Cash Back

The Barclays Uber Visa card earns 4% cash back at bars. This will trigger for any bar that properly has their merchant code labeled as such. In my experience with this bonus category, the majority of the time I do receive 4% cash back as a 'bar' purchase, but there has been times in which the 'bar' I was at was classified as restaurant. Luckily I would still receive 4% cash back with the Uber Card. When it comes to these purchases, the American Express Gold Card only earns 1 point per $1 spent making the Uber Card the easy winner.

UberEats

UberEats Earnings
AMEX Gold Card Barclays Uber Visa Card
1x Membership Rewards Points 4% Cash Back

The Barclays Uber Visa Card will be the clear winner for UberEats as it earns 4% cash back versus the American Express Gold Card's 1 Membership Rewards Point per $1 spent. If you're a consistent traveler, it's worth mentioning that the AMEX Platinum Card earns 5x points on airfare and comes with $200 in annual Uber credits.

Supermarket

Supermarket Earnings
AMEX Gold Card Barclays Uber Visa Card
4x Membership Rewards Points 1% Cash Back

Supermarket spending with the American Express Gold Card earns 4 Membership Rewards Points per $1 spent on the first $25,000 in purchases during the calendar year. Why such a high cap? Probably due to the fact that you can pick up gift cards at most supermarkets. This stretches your 4x category to new heights and allows you to earn 4x points on categories outside of restaurant and supermarket. For example, you can buy a $100 Amazon Gift Card from supermarkets like Giant Eagle or Meijer and earn 400 Membership Rewards Points. That's essentially earning you 4x on Amazon purchases. If there's some stores that you shop at on a consistent basis, picking up gift cards for those places is the key to maximizing the rewards in the supermarket category.

Airfare

Airfare Earnings
AMEX Gold Card Barclays Uber Visa Card
3x Membership Rewards Points 3% Cash Back

The American Express Gold Card earns 3 Membership Rewards Points per $1 spent and the Barclays Uber Visa Card earns 3% cash back per $1 spent. This is an even return for those who peg Membership Rewards Points at 1 cents each. If you have a higher value for AMEX's rewards points, then the Gold Card would be earn you a better return. If you're loyal to any specific airline, be sure to check and see if they have any co-branded credit cards that you can benefit from. Most airline credit cards offers perks such as free baggage, bonus miles, and much more when you hold their co-branded credit cards. Some cards don't even require you to use the rewards card to receive benefits!

Hotel

Hotel Earnings
AMEX Gold Card Barclays Uber Visa Card
1x Membership Rewards Points 3% Cash Back

The Barclays Uber Visa Card earns 3% cash back on hotel purchases while the American Express Gold Card only earns 1 Membership Rewards Point per $1 spent. The Uber Visa Card will easily give you a higher return, but neither card will hold a fire to most co-branded hotel credit cards if you're loyal to one or two chains. This includes Hilton, IHG, and Marriott to name a few. These cards earn big points when it comes to their own specific hotel currencies, so if you're loyal to a chain be sure to check out the credit cards offered by the hotel program.

Vacation Home Rentals

Vacation Home Rental Earnings
AMEX Gold Card Barclays Uber Visa Card
1x Membership Rewards Points 3% Cash Back

Vacation home rentals is a category that is not seen often in the credit card rewards world. The Uber Card earns 3% cash back on these purchases. The American Express Gold Card will only earn 1 Membership Rewards Point per $1 spent. That puts the Uber Card ahead when it comes to running spend in this category.

Uber

Uber Earnings
AMEX Gold Card Barclays Uber Visa Card
1x Membership Rewards Points 2% Cash Back

You would think that Uber charges made to the Uber Visa Card would have one of the highest returns... but it does not. The Uber Card earns 2% cash back when you use it for Uber. You can get a the same or better value with any card that features travel as a 2% or higher return. If you're able to get a value of 2 cents or higher out of Membership Rewards Points, the American Express Gold Card will work for these purchases even at a 1 point earning. The Everyday Preferred and Blue Business Plus Card is also two great Membership Rewards Point earning cards that you can put Uber spend on. Don't forget that the American Express Platinum Card receives $200 Uber Credits annually (divided into 12 months).

Online Shopping

Online Shopping Earnings
AMEX Gold Card Barclays Uber Visa Card
1x Membership Rewards Points 2% Cash Back

The Barclays Uber Visa Card earns 2% cash back on general online shopping. This counts as general online purchases made through store websites. This is a pretty interesting category since you can earn 2% cash back on just about any online purchase. You can earn a slightly better rate of 3% cash back on online purchases with the Bank of America Cash Rewards Card. If you value Membership Rewards Points at 2 cents or higher, the American Express Gold will be the better choice. Otherwise, the Uber Visa can earn you some decent cash back shopping online.

Music Streaming / Video Streaming

Music and Video Streaming Earnings
AMEX Gold Card Barclays Uber Visa Card
1x Membership Rewards Points 2% Cash Back

The Uber Visa Card earns 2% cash back on both music and video streaming purchases. This is a decent return for these types of purchases since you can get a better return with cards like the Wells Fargo Propel Card. The American Express Gold Card will only earn 1 Membership Rewards Point per $1 spent in both categories which is only a better rate if you're getting a 2% or higher return with these points.

Non-Category

Non-Category Earnings
AMEX Gold Card Barclays Uber Visa Card
1x Membership Rewards Points 1% Cash Back

When it comes to non-category purchases, the American Express Gold Card earns 1 Membership Rewards Point and the Barclays Uber Visa Card earns 1% cash back. Both are low earnings. The AMEX Gold can produce decent results if you can get some value out of Membership Rewards Points, but these type of purchases can be placed on the Everyday Preferred Card (Up to 1.5x) or Blue Business Plus Card (2x) for more Membership Rewards Points.

Perks and Benefits

The American Express Gold features several two annual benefits which is a $100 Airline Credit and $120 Dining Credit. The Uber Visa Card features one annual benefit which is a $50 subscription credit.

AMEX Gold Benefits

The $120 dining credit featured on the AMEX Gold is split up monthly. Cardholders will receive $10 in credits every month towards the following restaurants:

  • Grubhub
  • Seamless
  • The Cheesecake Factory
  • Ruth's Chris Steak House
  • Shake Shack

Any credits not used during the month will not roll over to the next month. The statement credit will applied to the account within a few days. Any spending over the credit will be charged the card as usual.

AMEX Gold Card members will also receive a $100 airline credit annually. Members will need to choose which airline they would like this credit to apply to. Qualifying airlines include:

  • Alaska Airlines
  • American Airlines
  • Delta Airlines
  • Frontier Airlines
  • Hawaiian Airlines
  • JetBlue Airways
  • Spirit Airlines
  • Southwest Airlines
  • United Airlines

After you apply and select your airline, you are able to change your airline once per year in the month of January. Any airline incidentals made with the selected airline will be deducted from the $100 credit over the course of the year. Credits do not roll over to the following year. Incidentals are considered to be purchases such as bag fees, food purchases, seat upgrades and other purchases made with the selected airline that is not part of the original airfare purchase. While technically not considered as incidentals by AMEX, you can also trigger the credit purchasing two $50 Delta Gift Cards (from desktop site) or Southwest gift cards.

Barclays Uber Benefits

The Barclays Uber features a $50 subscription credit after you run $5,000 in spend across the card during the year. This will apply to subscription based services such as Apple Music, Hulu, and Netflix. Do note that this credit will only be available after you've hit the required spend. After you hit the spend, all future subscription charges will be deduced from the $50 credit until it is depleted.

Sign Up Bonus

The sign up bonus for the American Express Gold Card hovers around 40,000 to 50,000 Membership Rewards Points after making $2,000 in purchases during the first three months of having the card. This has a max cash value of $400-$500 when used directly through American Express, but can be worth upwards of $1,000 or more when transferred to airline partners.

The sign up bonus for the Barclays Uber Visa Card is $100 in cash rewards (or 10,000 points) when you use the card to make $500 in purchases during the first three months of having the card.

Credit Card Fees

Fees At A Glance - -
Annual Fee - -
Authorized User Fee - -
Foreign Transaction Fee - -

Annual Fee

The American Express Gold Card has an annual fee of $250. Due to the $220 in annual credits, you're really only paying $30 out of pocket for the card. That easily makes this card worth it due to the value of Membership Rewards Points.

The Barclays Uber Card has no annual fee. This means you can earn your rewards at their full value when using this card to make purchases.

Authorized User Fee

The Authorized User fee for both the American Express Gold and Barclays Uber Visa Card is $0. This lets you add additional users to both cards without having to pay a fee for each additional card. I strongly recommend adding family and/or friends to these cards to help maximize the earnings of these cards.

Foreign Transaction Fee

The foreign transaction fee for both the American Express Gold and Barclays Uber Visa is 0%. This means you can use both cards overseas without worrying about be charged a fee. The American Express Gold unfortunately will not help you overseas as both the restaurant and supermarket category is strictly tied to U.S. locations. This make the Uber Visa Card the better card for international purchases since you will still be able to earn cash back at normal rates. Personally, the Barclays Uber Visa is what I use for international travel due to it having no fees.

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Rewards 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 for both cards. 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.

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.

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Page Last Updated: 2019-04-18

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