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American Express Gold Card
American Express® Gold Card

Membership Rewards® Points Calculator

See how your spending can earn you rewards

Estimate your spending and rewards with American Express.
Enter an estimated spending dollar amount per category below to calculate the points you could earn.
Adjust yearly, monthly, or weekly spending and see how quickly the points can add up.
4X
Restaurants
4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide.1
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Supermarkets
4X Membership Rewards® points per dollar spent on purchases at US supermarkets (on up to $25,000 per calendar year in purchases, then 1X).1
$
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3X
Flights
3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.1
$
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1X
Everything Else
1X Membership Rewards® points per dollar spent on all other eligible purchases.1
$
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Estimated Annual Points
Reward Points0
To earn points and use them your payment of the amount due or minimum payment due on your Linked Card Account statement must be received on time. Terms apply
Explore your Rewards
From travel to top brands, and everything in between—use Membership Rewards®2 points on the reward that means the most to you.
Book Travel

Take that trip you've been dreaming about. Use points towards all or part of your travel booking on AmexTravel.com.3

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Transfer Points

Want more flexibility? Transfer points to a participating loyalty program.4

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Go Shopping

Shop now for experiences and products ranging from the latest tech to home appliances.5

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0 points gets you up to $0 on AmexTravel.com.
Please note, 5000 points is the minimum amount of points for Pay with Points at American Express Travel.
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Reward Points
The Membership Rewards® program offers Card Members the opportunity to transfer points to 19 reward program partners, which is more than any other major U.S. credit card rewards program.
Please note, 1000 points is the minimum amount of points needed for transfer into most participating frequent customer program accounts.
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0 points gets you up to $0 when you shop with points on membershiprewards.com.
Please note, 1000 points is the minimum amount of points needed for most items when you shop with points on membershiprewards.com.
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0 points gets you up to $0 when you use Pay with Points at checkout.
Please note, 1000 points is the minimum amount of points needed to Pay with Points at checkout for most merchants.
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0 points gets you up to a $0 gift card at participating retailers.
Please note, 588 points is the minimum amount of points needed for a Gift Card.
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0 points gets you up to $0 when you use points for charges on your latest statement.
Please note, to use points for eligible charges, you must have a rewards-eligible Card with at least 1000 points available.
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Use Pay with Points at Checkout

Use points at checkout online and offline to save on purchases at the places you love to shop.

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Redeem for Gift Cards

Retail, restaurant, entertainment, travel, and American Express® gift cards. There's something for everyone.

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Cover Your Card Charges

Cover the cost of your recent Card purchases with points. From big-ticket items to your morning coffee, the choice is yours.6

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Estimate the number of Membership Rewards® points you could earn with other American Express Cards.
American Express Platinum Card Amex EveryDay Card

TERMS AND CONDITIONS

1. The Gold Card Membership Rewards
You will earn one point for each dollar charged for an eligible purchase in each billing period on The American Express Gold Card. You will earn: 3 additional points (for a total of 4 points) for each dollar charged at restaurants worldwide; 3 additional points (for a total of 4 points) on the first $25,000 of eligible purchases per calendar year at supermarkets located in the U.S. (superstores and warehouse clubs are not considered supermarkets); and 2 additional points (for a total of 3 points) for airfare on a scheduled flight charged directly with passenger airlines (charter flights and private jet flights are excluded) and airfare charged directly with amextravel.com. You may not earn additional points for purchases at a restaurant located within another establishment (e.g. a restaurant inside a hotel, casino, or event venue). For example, purchases made at a restaurant located within a hotel may be recognized as a purchase at a hotel, not a restaurant. You also will NOT earn additional points for purchases at bars, nightclubs, cafeterias, and convenience stores. Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, cash advances, person to person payments, purchases of gift cards, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents. Additional terms and restrictions apply. Merchants are assigned codes based on what they primarily sell. A purchase will not qualify for additional points if the merchant’s code is not eligible or if we do not receive information that identifies your purchase as qualifying for additional points. Purchases made through a third-party payment account or on an online marketplace (with multiple retailers) will not qualify for additional points. A purchase may not qualify for additional points if the merchant submits the purchase using a mobile or wireless card reader or if you use a mobile or digital wallet.

2. Membership Rewards® Program

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

The value of Membership Rewards points varies according to how you choose to use them. To learn more, go to www.membershiprewards.com/pointsinfo.

3. Shop with Membership Rewards® Points

To use Pay with Points, you must charge your eligible purchase through American Express Travel to a Membership Rewards® program-enrolled American Express® Card. Eligible purchases through American Express Travel exclude car reservations and non-prepaid hotels. Points will be debited from your Membership Rewards account, and credit for corresponding dollar amount will be issued to the American Express Card account used. If points redeemed do not cover entire amount, the balance of purchase price will remain on the American Express Card account. Minimum redemption 5,000 points.

See membershiprewards.com/terms for the Membership Rewards program terms and conditions.

If a charge for a purchase is included in a Pay Over Time balance on your Linked Account the statement credit associated with that charge may not be applied to that Pay Over Time balance. Instead the statement credit may be applied to your Pay in Full balance. If you believe this has occurred, please contact us by calling the number on the back of your Card.

4. Membership Rewards® Program-Transfer Points

Enrollment in a participating Frequent Flyer or Frequent Guest program is required. Airline tickets and guest rooms are subject to availability. For each conversion of points into the Frequent Flyer program of a U.S. airline, a fee of $0.0006 per point, with a maximum fee of $99, will be charged to your Card account. We charge this fee to offset the federal excise tax we must pay on such conversions. The fee may be more or less than the actual amount of the excise tax we pay on any individual conversion. We may offer you the option to redeem points to cover this fee.

5. Shop with Membership Rewards® Points

When using points for products through membershiprewards.com you are purchasing directly from a merchant, not from American Express. Participating merchants determine (i) product prices and availability, (ii) offers, promotions and applicable restrictions, (iii) estimated shipping and (iv) estimated tax, all of which are subject to change at any time without notice and are only confirmed in the order confirmation email sent by the merchant.

For accounts that qualify, Membership Rewards® points will be deducted for the purchase, including estimated shipping/handling and applicable taxes. A debit for the purchase will be issued by the merchant, and a credit for the purchase, including estimated shipping/handling and applicable taxes, will be issued by American Express to the Card account that you have designated for purchasing products through membershiprewards.com. Please note: The debit and credit may not appear on the same billing statement. Card Members enrolled in the Membership Rewards program with any account that is canceled, past due or have a return payment outstanding are not eligible to redeem points.

6. Using Points for Charges

Using Points for Your Charges is only available to Basic Consumer and OPEN Card Members enrolled in the U.S. Membership Rewards® program. Additional Card Members, Authorized Additional Card Members, and Corporate Card Members are not eligible. Account managers and Rewards managers may be eligible to use points by calling the number on the back of your Card but are not eligible to use points online. All Linked Card Accounts must not be canceled, past due or have a returned payment outstanding. A minimum of 1,000 Membership Rewards points in your program Account is required and you may use Membership Rewards points only toward the entire amount of an eligible charge. American Express will present the eligible charges you can use points towards, and we may change which charges are eligible at any time without notice. American Express is under no obligation to make charges available for redemption using Membership Rewards points. For each transaction, points will be debited immediately from your Membership Rewards program Account and a credit will be issued to your Linked Card Account for the corresponding dollar amount within 48 hours. Credits processed after the Card Account’s statement closing date will appear in the following billing period. You are responsible for payment of the amount due on your Card Account by the due date even after using this feature. To learn about this feature and redeem points online, visit membershiprewards.com/yourcharges.

American Express Travel Related Services Company, Inc.,when acting solely as a sales agent for travel suppliers, is not responsible for the actions or inactions of such suppliers. We want you to be aware that certain suppliers pay us commissions and other incentives for reaching sales targets or other goals, and may also provide incentives to our travel counselors. For more information please visit americanexpress.com/travelterms

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