AMEX Gold Card Point Calculator & Card Value

Credit Card Rewards Calculator
Calculate points and the cash value of the AMEX Gold Card by inputting your monthly and yearly spending amounts and compare alongside other cards.
Last Updated 2022-06-03

The American Express® Gold Card is one of the best credit cards in the market for earning rewards and best American Express credit cards hands down. It earns a whopping 4x on restaurant purchases and on U.S. supermarket purchases while also offering $120 in annual dining credit and $120 in annual Uber Cash.

Card Details At-A-Glance

Issued By
Annual Fee
Foreign Transaction Fee

Earning AMEX Gold points

4X Restaurant

The American Express Gold Card earns 4 Membership Rewards Points per $1 spent on restaurant purchases worldwide.

4X U.S. Supermarket

The American Express Gold Card earns 4 Membership Rewards Points per $1 spent on up to $25,000 in U.S. supermarket spend per year. After that cap is reached, the card will earn 1 Membership Rewards Point per $1 spent for the remainder of the year.

Purchases made at supermarkets outside of the U.S. are not eligible for the 4X earning rate and will earn you 1 Membership Rewards Point per $1 spent.

3X Airfare

The American Express Gold Card earns 3 Membership Rewards Points per $1 spent on airfare booked either directly with an airline or through American Express Travel.

1X Everything Else

All other purchases on the American Express Gold Card will earn 1 Membership Rewards Point per $1 spent.

AMEX Gold card benefits

$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 for purchases with:

  • GrubHub
  • Seamless
  • The Cheesecake Factory
  • Shake Shack
  • Goldbelly
  • Milk Bar

Enrollment is required for this benefit.

$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 is required for this benefit.

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, you'll receive the following benefits when you stay at least two consecutive nights:

  • $100 hotel credit, to spend on qualifying dining, spa and resort activities (qualifying activities vary by property)
  • Room upgrade upon arrival, when available

ShopRunner Membership

As an American Express Gold Card member, you can enjoy complimentary ShopRunner Membership which gives you free 2-day shipping and free returns at 100+ stores. Enrollment required.

American Express Benefits

The American Express Gold Card comes with several American Express benefits including:

  • Amex Send & Split
  • Pay It Plan It®
  • American Express Experiences
  • American Express Presale
  • American Express Seating
  • AMEX Offers (Enrollment Required)

Travel and Purchase Protections

AMEX Gold points value

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 are worth 1 cent each when redeemed for airfare through American Express Travel.

If you're looking to maximize the value of your points, you can transfer points to AMEX's travel partners and redeem them for airfare and hotel stays. This can get you significantly more value than redeeming points directly with American Express.

AMEX Gold transfer partners

Points earned with the American Express Gold Card can be transferred to 20 travel partners, with the majority of the partners having a 1:1 transfer ratio.


Transferring points to partners is the best use of Membership Rewards Points as you'll be able to obtain redemption values higher than the average 1 cent you can get redeeming them directly through American Express Travel.

Is The AMEX Gold Worth The Annual Fee?

If you can make use of the $240 in annual credits, the American Express Gold Card will easily be worth the fee assuming that you commonly spend across the bonus categories featured on the card.

If you cannot make use of the $240 in credits, you would need to run a good amount of spend across the card throughout the year to build enough points to make the annual fee worth it.

How much you value Membership Rewards Points will also play a big role in whether or not the card is worth it if you cannot find use in the credits.

For example, let's say that you spend $700 at U.S. supermarkets and $400 on dining per month. For the whole year, you would earn a total of 52,800 Membership Rewards Points.

At a value of 1 cent per point, your points would be worth $528 but the $250 annual fee would slash that down to an overall $278. You can run that same spend across the no-annual fee Capital One SavorOne Cash Rewards Credit Card and come out over $100 richer.

Now if you're able to redeem points for 2 cents each by transferring points to AMEX's partners, then you're looking at your points being worth $1,056 with an overall value of $806 after the annual fee.

THAT would be worth it.

I recommend using the American Express Gold Card Point Calculator below to see if the card is worth it for you.

AMEX Gold point calculator

Use the AMEX Gold Points Calculator to determine how many points you can earn based on the monthly or yearly spending amounts you enter.

You can calculate the cash value of the AMEX Gold alongside up to two other credit cards from any issuer.

Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site. This means there's no need to re-enter spend when jumping to other credit card pages on the site.

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Maximize Points With Rakuten

If you frequently makes purchases online and you're looking to earn more Membership Rewards Points, you should consider using Rakuten Rewards.

Rakuten is an online shopping portal that pays you for shopping online. Basically, they run a website full of affiliate links to different retailers and pay you, the user, some of their commission when you make an online purchase using those links.

The best thing about Rakuten is that they are partnered with American Express Membership Rewards. So instead of earning cash back on your purchases, you can opt in to earn Membership Rewards Points.

So if Rakuten is offering 10% cash back with a certain retailer, you'll be able to earn 10X Membership Rewards Points. Sounds amazing, right? That's because it is.

I've been using Rakuten Rewards as my main online cash back shopping portal since the start of 2017. Once the ability to earn Membership Rewards Points became available, I never looked back.

I use the portal for all of my personal and business online purchases... from buying gifts to booking travel. Since Rakuten uses affiliate links, you're always dropped off on the retailers website. So you're not booking or buying through a third party.

For example, if I click on the Marriott affiliate link on the Rakuten website, it's going to take me to I can then book my travel as normal and Marriott will notify Rakuten that I have done such. So I still get to earn my Marriott Bonvoy Points from my Marriott booking as well as earn additional Membership Rewards Points based on what Rakuten is offering for Marriott.

You can sign up for Rakuten Rewards for free through our affiliate link and earn bonus Membership Rewards Points (or cash back) on your first purchase. If you're looking to get the most out of the Membership Rewards program, you don't want to ignore this program.

If Rakuten doesn't offer an affiliate link for the retailer you're shopping with, there's many other online shopping portals available. My backup to Rakuten is usually TopCashback or (to earn British Airways Avios on purchases).

Check out our reviews on all of the popular online shopping portals.


How many American Express Gold Points do you earn per dollar?

The American Express Gold Card earns 4 Membership Rewards Points per $1 spent on restaurant and U.S. supermarket purchases, 3 points per $1 spent on airfare, and 1 point per $1 spent everywhere else.

How much are American Express Gold Points worth?

Points earned with the American Express Gold Card can be redeemed for 1 cent each towards airfare via American Express Travel. You can obtain higher value by transferring points to AMEX's airline and hotel partners.

Can you transfer American Express Gold Points to The Platinum Card?

Membership Rewards credit cards linked to the same account will all pool together and share the same balance.

Do Membership Rewards Points expire?

No. Membership Rewards Points are valid as long as you have an open Membership Rewards credit card.

What can you redeem American Express Gold Points for?

Points earned with the American Express Gold Card can be used towards travel, statement credits, gift cards, and much more. You can also transfer them to airline and hotel rewards programs.