Card Value Calculator: AMEX Green vs AMEX Gold

All information about The American Express® Green Card has been collected independently by The Point Calculator and has not been reviewed by the issuer. Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

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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

Earn 3 Membership Rewards points per $1 spent on travel, transit, and at restaurants.

Earn 1 Membership Rewards point per $1 spent on all other purchases.

American Express® Gold Card

Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.

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.

Earn 1X Membership Rewards® Points on all other Card purchases.

Current Intro Bonus

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

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

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

$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

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

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

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

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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Credit Cards

Use this section to add credit cards to the calculator. You can search for a card or go through our top recommendations for each category.

Once you select a card, you'll be shown the details of the card. Any link you click on in the details will open up in a new tab, so you will not lose your calculations.

Clicking on Add Selected Card will add it to the calculator.

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Add a credit card to compare side by side based on spend, benefits and fees.

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Search for a credit card by name, rewards program, or the rewards currency it earns.

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Family Cards

These cards are part of the same family and generally earn the same type of rewards.

Travel Cards

Travel credit cards are great for building rewards redeemable towards a wide variety of travel including airfare, hotels, car rentals, cruises, and more. Most travel cards also offer a range of benefits that can make your trips more enjoyable and save you money.

Cash Back Cards

Cash back is one of the most flexible form of rewards and most easy to understand. Rewards earned are worth face value and they can be used towards almost anything.

Business Cards

Put money back into your business by earning cash back, points, or miles on business expenses. Many cards also offer travel insurance, purchase protection, and more.

Airline Cards

These are the best credit cards if you're looking to use rewards towards award flights. Some of these cards also offer various benefits such as lounge access the ability to earn qualifying miles through spending.

Hotel Cards

If you're looking to use rewards towards free nights at hotels, these are the best cards for you. Many of these cards also offer great benefits such as annual free nights, complimentary elite status, and more.

No Annual Fee

If you're looking to minimize your immediate costs while still earning plenty of value, you may want to consider a credit card with no annual fee. Some of these cards also offer lower interest rates and balance transfer offers.

Intro Bonus:

Annual Fee:

Authorized User Fee:

Bonus Categories:

Add Categories - Adds any missing bonus categories from the selected card to the Category Spending section once added. Copy Spend - Copies spend values from the first column to the second/third column on card add.

Category Spending

Use this section to enter how much you plan on spending either monthly or yearly across different categories for each card listed.

You can click on the option button for access to a lot of useful tools you can use to quickly adjust spending for the calculator.

Change the order of the categories in the Category Spending section. This has an impact on cards that have spend limits and bonus caps on categories.

Resets all fields in the Category Spending section for all columns. Also clears all saved spend values that carry from calculator to calculator.

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:

Spend Region:

Category Spending Total

The amount of rewards earned from card spending.

Rewards & Bonuses

If a card earns bonus points, miles, or cash back, it will be listed here. You'll be able to edit or toggle on/off most bonuses listed here.

Do note that some bonuses may be automatically calculated based on spend entered in the Category Spending section.

If you want to factor in an intro or welcome bonus, you can also do that here by entering it in the Extra Value field. You can click on View Offers when applicable to see current sign up bonuses for all top credit cards by category.

Extra Value

Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.

Extra Value

Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.

Extra Value

Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.

Rewards & Bonus Total

The amount of rewards earned from card bonuses.

Total Rewards & Cash Value

This is the total of all points, miles, and cash back earned between Loyalty & Memberships, Category Spending, and Rewards & Bonuses.

You can view the average value of the rewards based on popular redemptions and the transfer of rewards to partners (where applicable).

Rewards Average Value By Redemption

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How much is 0 worth?

Average Value

This is how much we value the rewards earned with the card on average based on our valuations. Cards that may offer bonus/additional value are reflected here.

Transfers To Partners

Redemptions to do with transferring rewards to partner loyalty programs and redeeming them for high value (when applicable). These redemption values typically require knowledge of the best transfer partners.

Cash Back, Statement Credits

Redemptions to do with turning your rewards into cash back or using it as a statement credit to offset purchases made to the card.

Travel

Redemptions to do with using your rewards towards travel such as airfare, hotels, and car rentals (not including transfers to partners).

Gift Cards

Redemptions to do with using your rewards towards the purchase of gift cards.

Reward Transfers To Partners

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Currency Worth

Enter how much you value a single rewards point or mile in cents or regional currency equivalent (X.XX). The value of cash back cannot be changed.

Rewards Cash Value

The average cash value of rewards earned in the Grand Total section based on the set Currency Worth.

Monetary Bonuses

This section lists all monetary bonuses. This includes annual credits and top-tier benefits that can offer great monetary value.

If there's a perk or benefit missing that you find valuable, you can add how much you value it in the Extra Cash Value field.

Extra Cash Value

Use this field to add additional cash value to the calculations.

Extra Cash Value

Use this field to add additional cash value to the calculations.

Extra Cash Value

Use this field to add additional cash value to the calculations.

Total Cash Value

The total cash value of all listed benefits plus the cash value of rewards earned.

Fees

With great benefits comes great annual fees. If a card has a fee that you have to pay annually (or monthly in rare cases), it will be listed here. You have the ability to change it.

If the card charges a fee for adding authorized users, it will also appear in this section.

Annual Fee

This is the fee you must pay annually to have the card.