AMEX Gold Card Calculator

Calculate total AMEX Membership Rewards Points with the AMEX Gold based on your spend. Compare against AMEX cards and other top credit cards side by side.
Last Updated: 2020-06-13

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.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

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 Benefits
    • American Express Experiences
    • American Express Presale(s)
    • American Express Seating
    • AMEX Offers
  • Insurance and Purchase Protections

Sign Up Bonus

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.

Rewards Calculator

You can use the 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 the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

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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.
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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.
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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.
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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.
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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.
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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 rewards earned from Category Spending and Reward Bonuses, along with the cash value of it all based on Currency Worth.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of Total Earnings based on Currency Worth.

Rakuten Rewards

$20 Bonus
Earn $20 or 2,000 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $20+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
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.


What's the earning rates for the AMEX Gold Card?

The AMEX Gold Card earns 4 points per $1 on restaurants and supermarkets and 3 points per $1 on airfare.

What benefits does the AMEX Gold Card have?

It offers $120 in annual dining credits, $100 in annual airline credits, insurance and purchase protections, and a handful of standard AMEX benefits.

Is the AMEX Gold Card the best option for earning points?

It is one of the top options, but it will depend on your spend. You can use the AMEX Gold Card Calculator on this page to calculate the total cash value of the card based on spend, the value of benefits, and the annual fee.

How does the AMEX Gold Card compare against other top credit cards?

The AMEX Gold is hard to beat with the 4x earnings on dining and supermarket spend. You can compare the cash value of the AMEX Gold against other top dining and supermarket credit cards using the AMEX Gold Card Calculator.

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