The Membership Rewards Program is a bank rewards program offered by American Express. It is one of the most popular bank rewards programs worldwide and one of best bank rewards programs for earning rewards with airline and hotel partners via point transfers.
Terms apply to American Express benefits and offers. Select benefits may require enrollment. Visit americanexpress.com to learn more.
American Express Membership Rewards Credit Card Point Calculators
American Express offers a total of 10 credit cards that earn Membership Rewards Points. This gives you large amount of ways to build rewards across numerous categories including travel, dining, shopping, and more.
Use the Rewards Calculators below to calculate total Membership Rewards Points and the cash value of cards based on spend, benefits and annual fees.
If you're trying to decide between the best cards offered by American Express, you can check out our list of the Best American Express Credit Cards.
Pre-approved offers from American Express
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The Platinum Card® from American Express
See Rates & Fees
Terms Apply.
Intro Bonus
A New Platinum Exclusive Offer: Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
Rewards Rate
10X
Earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
5X
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel, on up to $500,000 per calendar year.
5X
Earn 5X Membership Rewards® Points on prepaid hotels booked on amextravel.com.
1X
Earn 1X Membership Rewards® Points on all other purchases.
Main Card Highlights
- Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
- Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
- Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
- $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
- $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
- New! American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one qualifying airline.
- $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status available to Basic Card Member only.
- $300 Equinox Credit: Get up to $25 back each month on select Equinox memberships. Enrollment required.
- $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
- $695 Annual Fee.
- Terms Apply.
- See Rates & Fees
Annual Fee
$695
Authorized User Fee
$175 for up to 3 additional Platinum cards and $175 for each additional Platinum card after the first 3
Foreign Transaction Fee
0%
American Express® Gold Card
See Rates & Fees
Terms Apply.
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%
American Express® Green Card
Terms Apply.
Intro Bonus
View Issuer's Website.
Rewards Rate
3X
Earn 3X at restaurants including takeout or delivery.
3X
Earn 3X on transit including trains, buses, ferries, subway, and more.
3X
Earn 3X on travel including airfare, hotels, cruises, tours, car rentals, and more.
1X
Earn 1X on all other purchases.
Main Card Highlights
- $100 CLEAR Credit to Help You Breeze Through Security - With CLEAR®, your eyes and fingertips can help you get through security faster at select airports and stadiums nationwide.
- $100 Credit for Lounge Access - Use the American Express® Green Card to purchase lounge access through LoungeBuddy and receive up to $100 in statement credits per calendar year.
- No foreign transaction fees
Annual Fee
$150
Authorized User Fee
$0
Foreign Transaction Fee
0%
American Express Everyday® Preferred Credit Card
Terms Apply.
Intro Bonus
View Issuer's Website.
Rewards Rate
3X
Earn 3X on groceries at U.S. supermarkets on up to $6,000 per year in purchases.
2X
Earn 2X on gas at U.S. gas stations
1X
Earn 1X on all other purchases.
Main Card Highlights
- Earn 50% Extra Points - Use your Card 30 or more times on purchases in a billing period and earn 50% extra points on those purchases less returns and credits.
- 2X Membership Rewards® Points at Amextravel.com - You can get double Membership Rewards® points on every dollar of eligible travel purchases.
- No foreign transaction fee.
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%
American Express EveryDay® Credit Card
Intro Bonus
View Issuer's Website
Rewards Rate
2X
Earn 2X Points at U.S. Supermarkets on up to $6,000 per year in purchases (then 1x).
1X
Earn 1X Points on other eligible purchases.
Main Card Highlights
- You can use Membership Rewards® points for all or part of your flight, prepaid hotel, vacation or cruise booking.
- Let the Membership Rewards® program take you almost anywhere when you use Pay with Points to book your next vacation on amextravel.com
- The Membership Rewards® program offers you the opportunity to transfer points to the most air and hotel partners of any major U.S. Credit Card rewards program, so you don't have to compromise on your journey.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
2.7%
Blue from American Express®
Intro Bonus
View Issuer's Website
Rewards Rate
2X
Earn 2X points for each dollar you spend on eligible purchases at amextravel.com
1X
Earn 1 Membership Rewards® point for every eligible dollar you spend.
Main Card Highlights
- Use points for your charges
- No annual fee
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
2.7%
The Business Platinum Card® from American Express
See Rates & Fees
Terms Apply.
Intro Bonus
Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership.
Rewards Rate
5X
Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
1.5X
Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
1X
Earn 1X Membership Rewards® point on all other purchases
Main Card Highlights
- Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership.
- Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
- Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
- 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year when you book on amextravel.com.
- Breeze through security with CLEAR® where available and get up to $179 back per year on your membership when you use your Card.
- Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
- Pay Over Time Option: A flexible payment option to help manage cash flow on purchases of $100 or more.
- Terms Apply.
- See Rates & Fees
Annual Fee
$595
Authorized User Fee
$300 for each additional Business Platinum Card
Foreign Transaction Fee
0%
American Express® Business Gold Card
See Rates & Fees
Terms Apply.
Intro Bonus
Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.
Rewards Rate
4X
Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month; Applies to the first $150,000 in combined purchases from these 2 categories each calendar year
1X
Get 1X on all other purchases.
Main Card Highlights
- Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.
- Earn up to $300 in statement credits on eligible U.S. advertising and U.S. shipping purchases.
- Pay Over Time Option: A flexible payment option with interest to help manage cash flow on purchases of $100 or more.
- Terms Apply.
Annual Fee
$295
Authorized User Fee
$0
Foreign Transaction Fee
0%
Business Green Rewards Card from American Express
Intro Bonus
View Issuer's Website
Rewards Rate
2X
Earn 2X points for each dollar you spend on eligible purchases at amextravel.com
1X
Earn 1X points for each dollar you spend on eligible purchases
Main Card Highlights
- The Pay Over Time option on the Card lets you carry a balance with interest on eligible purchases of $100 or more.
- 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.
Annual Fee
$0 intro annual fee for the first year, then $95
Authorized User Fee
$0
Foreign Transaction Fee
2.7%
The Blue Business® Plus Credit Card from American Express
See Rates & Fees
Terms Apply.
Intro Bonus
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
Rewards Rate
2X
Earn 2X Membership Rewards® points on all eligible purchases on up to $50,000 per calendar year, then 1X for the remainder of the calendar year.
Main Card Highlights
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- You've got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express, and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors at account opening.
- No Annual Fee
- Terms Apply.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
2.7%
Membership Rewards Comparison Calculators
AMEX Points Calculators
Maximize your rewards with American Express. Get our top picks for best American Express credit cards and calculate which cards will earn you the best return based on your spend.
Calculate the cash value of different combinations of AMEX credit cards based on spend, benefits, and fees.
Calculate the average cash value of AMEX Membership Rewards Points and get the list of redemption options.
Calculate the transfer of AMEX Membership Rewards Points to airline and hotel programs and get the list of transfer partners.
Calculate which Membership Rewards credit cards will earn you the most points and give you the best estimated return based on your spend.
Other American Express Calculators
American Express offers several of the best cash back credit cards available in the US. Calculate total cash back and compare top cards.
Useful Resources & Links
You can use Rakuten Rewards to earn lots of additional Membership Rewards Points on purchases made online. Get the details on how you can use Rakuten to maximize your rewards.
Additional cardholders to the AMEX Platinum and AMEX Business Platinum receive most of the same benefits as the primary cardholders. Get the list of shared benefits.
Get the details on how to transfer AMEX Membership Rewards Points to British Airways Avios.
Get the details on how to transfer AMEX Membership Rewards Points to Marriott Bonvoy.
