Card Value Calculator: American Express Green vs American Express Gold

Calculate points per dollar spent and the cash value of the American Express Green Card vs American Express Gold Card based on spend, benefits, and fees.

The American Express Green Card and American Express® Gold Card are two of the top rewards credit cards in the AMEX Membership Rewards Program.

The AMEX Green Card is centered around those who travel as it offers the bonus categories of travel and dining while also offering over $200 in annual credits between CLEAR and LoungeBuddy.

The AMEX Gold Card is more focused on your everyday spend with categories like restaurant and U.S. supermarkets. It also offers over $200 in annual credits between dining and Uber Cash.

Rewards Rates

American Express® Green Card
American Express® Green Card
3X
Earn 3 Membership Rewards points per $1 spent on travel, transit, and at restaurants.
1X
Earn 1 Membership Rewards point per $1 spent on all other purchases.
American Express® Gold Card
American Express® Gold Card
4X
Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
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® Points on all other Card purchases.

Current Intro Bonus

American Express® Green Card
American Express® Green Card

Earn 40,000 Membership Rewards® points after you spend $2,000 on purchases on the Card in your first 6 months of Card Membership.

American Express® Gold Card
American Express® Gold Card

Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.

Key Cardholder Benefits

American Express® Green Card
American Express® Green Card
  • Receive up to $189 per calendar year in statement credits when you pay for your CLEAR Membership with the American Express Green Card.
  • Receive up to $100 per calendar year in statement credits when you purchase lounge access through LoungeBuddy with the American Express Green Card.
  • Enjoy complimentary ShopRunner Membership which gives you free 2-day shipping and free returns at 100+ stores. Enrollment required.
American Express® Gold Card
American Express® Gold Card
  • $120 in annual Uber Cash, split up into $10 per month.
  • $120 in annual Dining credit, split up into $10 per month good at select retailers. Enrollment required.
  • Access to The Hotel Collection. Book 2-night minimum stays for a $100 hotel credit and room upgrade upon arrival (when available).
  • Complimentary ShopRunner membership for 2-day shipping and free returns at 100+ stores. Enrollment required.

Rewards Value

American Express® Green Card
American Express® Green Card
Redemption Option Average Value (in cents)
Point transfers to airline and hotel partners 0.6 - 2
Booking flights through American Express Travel 1
Booking other travel through American Express Travel 0.7
Paying with points at checkout 0.7
Using points for card charges (statement credit) 0.6
Redeeming points for gift cards 0.5 - 1

Membership Rewards points earned with the American Express Green Card is worth an easy 1 cent each towards airfare redemptions made through American Express Travel. You can obtain higher value transferring points to AMEX's airline and hotel partners.

There is no difference in value between points earned with the AMEX Green versus the AMEX Gold.

American Express® Gold Card
American Express® Gold Card
Redemption Option Average Value (in cents)
Point transfers to airline and hotel partners 0.6 - 2
Booking flights through American Express Travel 1
Booking other travel through American Express Travel 0.7
Paying with points at checkout 0.7
Using points for card charges (statement credit) 0.6
Redeeming points for gift cards 0.5 - 1

Membership Rewards points earned with the American Express Gold Card can easily be redeemed for 1 cent each towards airfare booked through American Express Travel. You can obtain higher values transferring points to AMEX's airline and hotel partners.

There is no difference in value between points earned with the AMEX Gold versus the AMEX Green.

Transfer Partners

The AMEX Green Card and AMEX Gold Card both earn Membership Rewards points and points earned with these cards can be transferred to the same partners. So there's no difference between programs.

Annual Fees

American Express® Green Card
American Express® Green Card

The American Express Green Card has a $150 annual fee.

If you can make use of the CLEAR and LoungeBuddy credits, you'll easily offset the fee and be able to enjoy the 3X earnings this card offers.

American Express® Gold Card
American Express® Gold Card

The American Express Gold Card has an annual fee of $250. Additional users can be added at a cost of $0 for the first five cards, then $35 per card for the sixth card onward.

If you can make use of the $240 in annual credits the American Express Gold Card offers, you'll be able to offset the majority of the fee. On top of that, the 4X earning rates offers an exceptional return if you plan on transferring points to AMEX's airline and hotel partners.

Card Value Calculator

Calculate how many points you can earn with the AMEX Green Card and AMEX Gold Card side by side based on your spend. You'll also be able to calculate the average cash value of the points earned, the transfer of points to partners, and the cash value of each card.

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