AMEX Green vs AMEX Gold - Rewards Calculator

Rewards Comparison Calculator
Compare the benefits of the AMEX Green vs the AMEX Gold and calculate total Membership Rewards Points based on spend, point value, and point transfers.
Last Updated 2022-01-10 By R.Flowers III

The American Express Green Card and American Express® Gold Card are two of the top 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 benefits such as $100 in CLEAR credits and $100 in LoungeBuddy credits.

The AMEX Gold Card is more focused on your everyday spend with categories like restaurant and U.S. supermarkets along with $120 in dining credits and $120 in Uber Cash.

Both cards provide a way to earn lots of valuable points assuming you can put them to use to make the annual fees worth paying.

Comparing Rewards

The AMEX Green Card and AMEX Gold Card both earn Membership Rewards Points which is flexible rewards currency best used towards travel.

Neither card grants any bonus value to points, so you'll get the same value out of your points no matter which card you own.

When redeeming Membership Rewards Points, you can obtain the easiest value of 1 cent per point using them towards airfare on amextravel.com. Any redemption that gives you lower than 1 cent per point is considered to be bad redemption value.

The table below shows the average value you'll be able to get out of your points with the AMEX Green Card and AMEX Gold Card.

AMEX Points Value
Redemption Average Value Per Point
Point Transfers To Partners 1.2 to 2+ Cents
Airfare via American Express Travel 1 Cent
Other AMEX Travel 0.7 Cents
Pay With Points At Checkout 0.7 Cents
Gift Cards 0.5 to 1 Cent
Statement Credit 0.6 Cents

The best use of Membership Rewards Points will come from transferring points to AMEX's travel partners and redeeming them for travel. This gives you the chance to redeem points for more than the average 1 cent per point in value.

Membership Rewards Points can be transferred to 20 partners.

AMEX Transfer Partners
Transfer Partner Ratio
Aer Lingus AerClub 1,000 Points = 1,000 Avios
Aeromexico Club Premier 1,000 Points = 1,600 Premier Points
Air Canada Aeroplan 1,000 Points = 1,000 Aeroplan Points
Air France-KLM Flying Blue 1,000 Points = 1,000 Flying Blue Miles
All Nippon Airways Mileage Club 1,000 Points = 1,000 ANA Mileage Club Miles
Avianca LifeMiles 1,000 Points = 1,000 LifeMiles
British Airways Avios 1,000 Points = 1,000 Avios
Cathay Pacific Asia Miles 1,000 Points = 1,000 Asia Miles
Delta Airlines SkyMiles 1,000 Points = 1,000 Delta SkyMiles
Emirates Skywards 1,000 Points = 1,000 Skywards Miles
Etihad Guest 1,000 Points = 1,000 Etihad Guest Miles
Hawaiian Airlines HawaiianMiles 1,000 Points = 1,000 HawaiianMiles
Iberia Plus 1,000 Points = 1,000 Avios
JetBlue TrueBlue 250 Points = 200 TrueBlue Points
Qantas Frequent Flyer 500 Points = 500 Qantas Points
Singapore KrisFlyer 1,000 Points = 1,000 KrisFlyer Miles
Virgin Atlantic Flying Club 1,000 Points = 1,000 Virgin Points
Choice Privileges 1,000 Points = 1,000 Choice Points
Hilton Honors 1,000 Points = 2,000 Hilton Honors Points
Marriott Bonvoy 1,000 Points = 1,000 Marriott Bonvoy Points

Airline miles have an average value of 1.2 to 1.5 cents each, so transferring your Membership Rewards Points to frequent flyer programs is the easy route to take if you're looking for more than 1 cent per point in value. You can obtain even higher value with some First and Business class redemptions!

You can also obtain some solid value out of transferring your points to hotel partners — primarily Marriott Bonvoy. Marriott Bonvoy Points have an average value of 0.7 cents per point, but they have many sweet spots in their program that can net you over 1 cent per point.

Comparing Earning Rates

The AMEX Green Card earns bonus points on dining and travel while the AMEX Gold Card earns bonus points on dining, U.S. supermarket purchases, and airfare. If you're big on travel and dining, it can make sense to pair both of these cards together.

AMEX Green vs AMEX Gold Categories
AMEX Green Card
  • 3 Membership Rewards Points per $1 spent on travel and transit, and at restaurants
  • 1 Membership Rewards Point per $1 spent on everything else
AMEX Gold Card
  • 4 Membership Rewards Points per $1 spent at U.S. supermarkets (up to $25,000 per calendar year) and restaurants
  • 3 Membership Rewards Points per $1 spent on airfare booked direct or through American Express Travel
  • 1 Membership Rewards Point per $1 spent on everything else

The AMEX Green and AMEX Gold Card both feature restaurant/dining as an overlapping category. The better option in terms of points will be the AMEX Gold Card since you're earn an additional point per $1 spent.

Since the AMEX Green Card features general travel purchases as a category, airfare can be considered to be an overlapping category. If you frequently travel, the AMEX Green will be the better option just because it covers many subcategories of travel.

One big plus to the AMEX Gold Card is the 4 Membership Rewards Points per $1 you earn on U.S. supermarket spend. Many supermarkets offer gift cards which means you can easily earn 4x on categories you wouldn't normally be able to.

For example, I can go to my local Giant Eagle or Meijer and buy a $200 Kohl's Gift Card or $100 AutoZone Gift Card. This would be equal to me earning 4X at either of these retailers since I can use the gift card to checkout as normal in-store or online.

This can add a significant amount of value to the AMEX Gold Card if you don't mind buying gift cards. Do note that the U.S. supermarket category is capped at $25,000 in purchases per calendar year.

Comparing Benefits

The AMEX Green Card features $200 in annual credits while the AMEX Gold Card features $240 in annual credits. If you're able to use the credits offered on either card, you can easily make up for the annual fees that both cards have and squeeze more overall value out of these cards.

AMEX Green Card vs AMEX Gold Card Benefits
AMEX Green Card
  • $100 CLEAR Credit: Get up to $100 back when you use your card to pay for CLEAR Membership
  • $100 LoungeBuddy: Get up to $100 back when you use your card to pay for lounge access through LoungeBuddy
AMEX Gold Card
  • $120 Dining Credit: Receive up to $120 in dining credits annual with the American Express Gold Card. Earn up to $10 in statement credits monthly when you use the card to pay at select retailers. (Enrollment Required)
  • $120 Uber Cash: Receive up to $120 in Uber Cash annually with the American Express Gold Card. You'll automatically get $10 in Uber Cash each month that you can use towards with Uber rides or Uber Eats orders in the U.S. (Enrollment Required)
  • The Hotel Collection: As an American Express Gold Card member, you will be able to book hotels through The Hotel Collection with American Express Travel. When booking at least a two-consecutive night stay, you'll receive a $100 hotel credit, to spend on qualifying dining, spa and resort activities (qualifying activities vary by property) and a room upgrade upon arrival, when available

The AMEX Green Card and AMEX Gold Card also features several standard AMEX benefits found on most of their cards which includes complimentary ShopRunner Membership, access to AMEX Offers, and AMEX Entertainment access. You'll also receive some insurance and purchase coverage such as car rental loss and damage insurance, extended warranty, and purchase protection.

Point 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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