American Express® Gold Card: Calculator & Points Value Guide
Fees
Earning Rates
- Earn 4X points at restaurants worldwide, on up to $50,000 in purchases per calendar year (then 1X).
- Earn 4X points at U.S. supermarkets, on up to $25,000 in purchases per calendar year (then 1X).
- Earn 3X points on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X points on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X points on all other eligible purchases.
Main Benefits
- Over $400 in annual credits
- Access to The Hotel Collection which grants extra benefits on stays
- Complimentary ShopRunner membership
- Travel & purchase coverage
- No foreign transaction fees
Our Take
AMEX Gold points calculator
Use this calculator to estimate Membership Rewards points earned with the Amex Gold Card based on your spending across key categories. Compare value from 4X on dining and groceries, transfer options, and annual perks to determine the card’s true return.
Card Details All links open in new tab (so you will not lose your calculations).
Edit Card Details
Edit Card Name
Set the name of the card to something of your choosing. Leave it blank to default back to normal card name.
Quick Assign
Use quick assign to quickly toggle this card on for Spend Categories in the calculator. If the card is already assigned, toggling off will set the category to No Selection.
Currency Codes
Any currencies you add to the tool will be selectable when entering spend into the Spend Categories section of the calculator.
Do note that any foreign currencies selected will automatically be converted to the card's default currency when calculating rewards.
Currency Name
Add Status / Loyalty
You can add elite status to one or more columns. This allows you to calculate the extra points you would receive from having status with that program.
If the status is already added, you can update the currency the status is based on by specifying a different currency than what the one in the calculator already has.
NOTE: Elite status is automatically added to the calculator for most credit cards that grant it.
Clear / Remove...
If you're looking to quickly assign cards to multiple categories, click on the card itself under the Credit Cards section.
Card Select
Select the card you will use for this category.
Do note that the order of the categories in the Category Spending section makes a difference. Spend is calculate by month in order of categories listed.
Credit Cards
Card Details
How to earn points with the AMEX Gold Card
The AMEX Gold Card earns Membership Rewards points at the following rates:
- 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- 1X Membership Rewards® point per dollar spent on all other eligible purchases..
AMEX Gold points value & calculator
Key benefits of the AMEX Gold Card
Here are the main benefits of the AMEX Gold Card:
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- $120 Uber Cash: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made at restaurants or U.S. supermarkets. Point caps and terms apply.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations.
- The Hotel Collection: Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- Travel & Purchase Coverage**: Baggage Insurance Plan, Car Rental Loss and Damage Insurance, Purchase Protection, and Extended Warranty.
**Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
AMEX Gold transfer partners & calculator
AMEX Gold fees
Annual Fee
The AMEX Gold Card has a $325 annual fee. (See Rates & Fees)
The card offers $424 in annual credits, so if you can make use of most of the credits this card offers, you'll easily cover the annual fee. There's even some wiggle room in the case that you miss using the monthly credits a few times per year.
Authorized User Fee
There is no fee to add up to 5 authorized users to the AMEX Gold Card. For the 6th card and onward, it will cost you $35 per card. Adding family and friends can help earn points significantly faster, especially if they spend in the 4X categories.
Foreign Transaction Fee
The AMEX Gold Card has a 0% foreign transaction fee. That means you will not be penalized when making purchases that are not in U.S. Dollars.
This is one of the best credit cards for earning points on dining when traveling internationally thanks to the excellent 4X earning rate.
AMEX Membership Rewards Points Calculators & Guides
-
Calculator: AMEX Points To Miles & Hotels
View the list of AMEX transfer partners and calculate the transfer of AMEX points to airline and hotel rewards programs. -
AMEX Membership Rewards Points Value Calculator
Get the details on what you can redeem AMEX points for and find out which redemptions will give you the most value. -
Calculator: AMEX Points to Amazon Cash Value
Get the details on redeeming Membership Rewards points at checkout on Amazon.com and calculate the average value. -
Calculator: Rakuten Cash Back vs AMEX Membership Rewards
Have a Membership Rewards credit card? Earn bonus AMEX points shopping online with thousands of retailers using Raktuten Rewards. -
Calculator: The Platinum Card® from American Express
View the card benefits and calculate total AMEX Platinum points and card value based on your spend. -
Calculator: American Express® Gold Card
View the card benefits and calculate total AMEX Gold points and card value based on your spend. -
Calculator: American Express® Green Card
View the card benefits and calculate total AMEX Green points and card value based on your spend. -
Calculator: The Business Platinum Card® from American Express
View the card benefits and calculate total Business Platinum points and card value based on your spend. -
Calculator: American Express® Business Gold Card
View the card benefits and calculate total Business Gold points and card value based on your spend. -
Calculator: Business Green Rewards Card from American Express
View the card benefits and calculate total Business Green points and card value based on your spend. -
Calculator: The Blue Business® Plus Credit Card from American Express
View the card benefits and calculate total Blue Business Plus points and card value based on your spend.