AMEX Preferred Rewards Gold Credit Card Calculator

AMEX Points Calculator
3x AMEX Travel
2x Airlines
2x International Purchases
Annual Anniversary Points w/ Spend
Complimentary Lounge Passes
The Hotel Collection
Car Rental Benefits

Review the benefits of the AMEX Preferred Rewards Gold Card and calculate how many Membership Rewards Points you can earn based on your spend.

Bonus Categories

The AMEX Preferred Rewards Gold Card features three bonus categories. Those categories are American Express Travel Portal, airline spend directly with an airline, and foreign transactions. There's no limit to the amount of bonus points you can earn spending across these categories and no limit to the amount of points you can earn in general with the card.

  • 3x American Express Travel Portal
  • 2x Airline
    • Must be purchased directly with airline; No third party airline purchases.
  • 2x Transaction In A Foreign Currency
    • This goes for any eligible purchase that is not in "£".
  • 1x Non-Category

Perks & Benefits

The AMEX Preferred Rewards Gold Card features a great amount of benefits that can make travel smooth.

  • Annual 10,000 Point Bonus w/ Spend
    • Awarded each year of cardmembership spending at least £15,000 within the 12 month period of your Card anniversary.
  • Two Complimentary Lounge Visits Per Year
    • You'll receive Lounge Club membership along with the two free passes annually in your account.
  • The Hotel Collection
    • Benefits include a $100 USD hotel credit on charges to the room such as dining, spa, and golf as well as complimentary room upgrades at check-in when available.
    • Must book two conescutive nights through the portal on the AMEX credit card.
  • Hertz Car Rental Benefits
    • One-car class upgrades on 5+ consecutive day rentals.
    • Waived fee for one additional driver.
  • AMEX Offers
  • AMEX Experiences
  • Insurance and Protections
    • Purchase Protection
    • Refund Protection
    • Flight Delay / Overbooking / Missed Connection Reimbursement
    • Baggage Delay

Sign Up Bonus (SUB)

The sign up bonus for the AMEX Preferred Reward Gold Card is 20,000 Membership Rewards Points after you spend £3,000 in your first three months of Cardmembership.


Annual Fee

The annual fee for the American Express Preferred Rewards Gold Card is £0 the first year, then £140 annually.

Authorized User Fee

There is no charge to add one authorized user to the American Express Preferred Rewards Gold Card. For every additional user after the first, you will be charged £45 per year.

Non-Sterling Transaction Fee

You will be charged 2.99% of the amount after the transaction has been converted into Pounds Sterling.

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
Edit Card Options
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.
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Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
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/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.


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Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User 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 based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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