American Express Gold Card Point Calculator - Worth $250?

Review the benefits of the American Express Gold Card, calculate how many points you can earn based on spend, and compare results against over 200 cards.

The American Express® Gold Card is one of the best credit cards in the market for earning rewards and best American Express credit cards hands down. It earns a whopping 4x on restaurant purchases and on U.S. supermarket purchases while also offering $120 in annual dining credit and $120 in annual Uber Cash.

Use the American Express Gold Card Calculator to calculate total points and the cash value of the card based on spend, benefits, and annual fee. Compare results side by side top rewards cards.

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

Rewards Rate Details

The American Express Gold Card features three bonus categories. Those categories are restaurants, U.S. supermarkets, and airfare purchased directly with an airline or through American Express Travel.

The U.S. supermarket category earns bonus points on up to $25,000 in purchases per year in which you'll earn at the non-category rate of 1x for the remainder of the year once that cap is hit. The earning rates for restaurant and airfare purchases are unlimited.

There is no limit to the amount of Membership Rewards Points you can earn with the American Express Gold Card overall.

  • 4x Restaurant
    • Includes takeout and delivery.
  • 4x U.S. Supermarket
    • Note that these purchases are for the U.S. only; International supermarket purchases will earn you the non-category rate of 1x.
    • Annual spend cap of $25,000 per year; Earns at non-category rate of 1x once cap is hit.
  • 3x Airfare
    • Can be booked direct or through the American Express Travel Portal.
  • 1x Non-Category

Perks & Benefits

The American Express Gold Card offers annual dining credit and Uber credit along with several other useful travel and entertainment related benefits.

  • Annual $120 Dining Credit*
    • Credit is broken up into $10 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
  • Annual $120 Uber Cash*
    • Credit is broken up into $10 per month.
    • Credits do not roll over; Use it or lose it.
    • Can be applied to Uber Eats or Uber rides in the U.S.
  • 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)
    • No Preset Spending Limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.
  • AMEX Offers*
  • AMEX Entertainment Access
  • Insurance and Purchase Protections

*Enrollment required.

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.

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.

Rewards Calculator

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.
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FEE Annual Fee
The annual fee of the selected credit card.
AU Auth Fee
The authorized user fee of the selected credit card.
$ 0
SUB Intro Bonus
If the card has an intro bonus, you can enter it here. If you're unsure of the bonus, you can click the Learn More link by the card image to be taken to the issuer's website (in a new tab).
EV Extra Cash Value
Enter any additional cash value you want to give the card such as the value of unaccounted for perks and benefits.
$
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Currency Worth

The value of the rewards associated with the selected credit card(s). You can click the currency to edit the value or change it to reflect transfer partners.
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Loyalty & Memberships

Hotel elite status, loyalty program status, and memberships. These are typically calculated based on a selection though some are calculated automatically. Most cards will not have anything in this section.
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Category Spending

Click on a category to enter how much you plan on spending. You can add or remove categories, change the order of the categories, or view additional options.
Categories
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Options
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.
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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.
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Reward Bonuses

Any extra bonuses to do with a specific card will be listed here. You can edit/add the Intro Bonus (SUB) under the Credit Card section.
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Subtotal

This is the sum of all rewards earned from Category Spending and Reward Bonuses along with the cash value of it all based on Currency Worth.
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Monetary Bonuses

This is the total of all cash bonuses associated with the card(s). You can change the value of those that feature the symbol. Other bonuses are automatic. If there's extra value (EV) you want to add to the card, you can click on the card under the Credit Card section. You can also click on to get details on the listed bonuses.
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Annual Fees

This is the sum of annual fees and authorized user fees associated with the credit card(s). You can edit the annual fee as well as change the number of authorized users by clicking on the card under the Credit Card section at the top of this calculator.
Card 1
Card 2

Grand Total

The estimated cash value of the card(s). This is the sum of the Subtotal and Monetary Bonuses minus Annual Fees. The return is based on estimated cash value divided by total credit card spend.
Card 1
Value:
Return:
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Value:
Return:
American Express® Gold Card
American Express® Gold Card
Intro Bonus
Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
Rewards Rates
4X
Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery.
4X
Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
3X
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
1X
Earn 1X Membership Rewards® point on all other purchases.
Main Card Highlights
  • Rose Gold is back. You can now choose between Gold or Rose Gold.
  • Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
  • Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • Get up to 12 complimentary months of an Uber Eats Pass subscription when you enroll with your Gold Card by 12/31/21.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees
Annual Fee
$250
Authorized User Fee
$0 for the first five add'l cards, then $35 per card for the sixth card onward
Foreign Transaction Fee
0%

FAQ

Is it worth having the American Express Gold Card?

If you're looking to earn Membership Rewards Points, the American Express Gold Card is the best credit card to have. The 4x earnings on restaurant and U.S. supermarket purchases (up to $25,000, then 1x) makes this card easily worth having.

What's the earning rates for the American Express Gold Card?

The American Express Gold Card earns 4 points per $1 on restaurants purchases and U.S. supermarket purchases. It also earns 3 points per $1 on airfare purchases directly with the airline or through American Express Travel.

What benefits does the American Express Gold Card have?

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

Is the American Express Gold Card the best option for earning points?

The American Express Gold is one of the best credit cards for earning rewards and one of the best American Express credit cards on the market. The only other AMEX card that can come close is the American Express Everyday® Preferred Credit Card which has U.S. gas station as a bonus category instead of restaurants.

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

The American Express Gold Card is hard to beat with the 4x earnings on restaurant and supermarket spend. If you spend heavy across either category you can use the Credit Card Finder Tool to find out which cards earn you the best return.

Updated 2021-09-12 By Robert Flowers III
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