Rewards Calculator: AMEX Gold vs Barclays Uber Visa Card

Side by side comparison of the AMEX Gold Card vs Barclays Uber Card. Calculate total rewards to find out which card earns you the best return on your spend.

The American Express Gold Card is a great rewards card that focuses heavily on earning rewards around supermarket and dining purchases. The Uber Visa Card, which earns Uber Cash, offers high returns across several categories and can also benefit those who dine out a lot, especially using Uber Eats.

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

Credit Card Currency

When redeemed directly with American Express, Membership Rewards Points are valued at 1 cents each or less. You can obtain a higher value when by transferring AMEX Points to airline and hotel partners.

Uber Cash is redeemable through the Uber app and can be used towards Uber and various Uber services such as Uber Eats. It does not have as much flexibility as Membership Rewards Points when it comes to redemptions.

Rewards Rate Details

The American Express Gold Card features three bonus categories which are U.S. supermarket, restaurant, and airfare purchases. There is a cap of $25,000 on the supermarket category and once you hit the cap, you will earn rewards at the non-category rate (1 point per $1). The supermarket category is also tied specifically to United States supermarkets. There are no caps or region restrictions on the remaining categories.

The Barclays Uber Visa Card features 7 bonus categories which are Uber, UberEats, JUMP, restaurants, bars, hotels, and airfare. There is no cap on any of the bonus categories and no limit to the amount of Uber Cash you can earn with the card in general.

AMEX Gold Card

  • 4x Restaurant
    • Purchases are for restaurants worldwide.
    • 0% Foreign Transaction Fee.
  • 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

Barclays Uber Visa Card

  • 5% Uber
  • 5% Uber Eats
  • 5% JUMP
    • JUMP is Uber's electric bike sharing program.
  • 3% Restaurant
  • 3% Bars
  • 3% Hotel (Booked Direct)
  • 3% Airfare (Booked Direct)
  • 1x Non-Category

Perks & Benefits

The American Express Gold features several two annual benefits which is a $120 in Uber Cash and $120 in dining credits. Both credits are split into $10 per month and do not roll over. This means you'll have to use these credits monthly otherwise you'll lose out.

The Uber Visa Card does not feature any benefits specific to the card itself.

AMEX Gold Card

  • 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

Barclays Uber Visa Card

*Enrollment required.

Rewards 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 across both cards. This calculator will also give you the dollar value of both cards based on rewards earned and how much each benefit is worth to you minus the fees. Do note that you can only compare the cards covered on this page side-by-side. If you want to compare against other cards, you'll need to go to the card's specific page.

Note! All category spend entered in the first column (primary column) 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 cards based on spend, benefits, and fees.
Select A Card
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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.
$

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
Change Order
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.
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.
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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.
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Value:
Return:
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Value:
Return:
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Updated 2021-03-02 By Robert Flowers III

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