Amex Points Calculator

by

Amex Membership Rewards® Calculator

Estimate your annual points earning and cash value

The Platinum Card® (5x Travel) American Express® Gold Card (4x Dining/Grocery) American Express® Green Card (3x Travel/Dining) Blue Business® Plus (2x Everything) Amex EveryDay® (2x Grocery)
Transfer to Airlines (2.0 ¢ per point) Amex Travel Portal (1.0 ¢ per point) Gift Cards (0.7 ¢ per point) Statement Credit (0.6 ¢ per point)

Monthly Spending Estimates

Annual Points Earned 0
Estimated Cash Value $0

How to Maximize Your Amex Membership Rewards

American Express Membership Rewards (MR) points are considered one of the most valuable flexible credit card currencies. Unlike fixed-value cash back, the value of Amex points depends heavily on which card you hold and how you choose to redeem them.

Point Multipliers by Card Type

Choosing the right card for your spending profile is the most effective way to stack points quickly:

  • The Platinum Card®: Best for frequent flyers. It earns 5x points on up to $500,000 per calendar year on flights booked directly with airlines or via Amex Travel.
  • American Express® Gold Card: The "daily driver" for many. It offers a massive 4x points at US Supermarkets (up to $25k/year) and Restaurants.
  • American Express® Green Card: A travel powerhouse that earns 3x points on travel, transit, and dining.
  • Blue Business® Plus: Ideal for business owners, earning a flat 2x points on the first $50,000 in annual spend.

Understanding Point Valuation

Not all redemptions are created equal. This calculator allows you to toggle between different strategies:

  1. Transfer Partners (Best Value): By transferring points to airline partners like Delta, British Airways, or Singapore Airlines, you can often achieve values of 2.0 cents per point or higher for Business/First Class bookings.
  2. Amex Travel Portal: Generally provides 1.0 cents per point for flights and slightly less for hotels.
  3. Statement Credits: Usually the worst value at roughly 0.6 cents per point. We recommend avoiding this if you want to maximize your rewards.

Example Calculation

If you spend $1,000 per month on Dining and $500 on Groceries with the Amex Gold Card:

  • Dining: $1,000 × 4 = 4,000 points
  • Groceries: $500 × 4 = 2,000 points
  • Monthly Total: 6,000 points
  • Annual Total: 72,000 points

At a transfer partner valuation of 2.0 cents per point, those 72,000 points are worth $1,440 in travel value!

function calculateAmex() { var card = document.getElementById("cardType").value; var rate = parseFloat(document.getElementById("redemptionRate").value); var dining = parseFloat(document.getElementById("spendDining").value) || 0; var grocery = parseFloat(document.getElementById("spendGrocery").value) || 0; var travel = parseFloat(document.getElementById("spendTravel").value) || 0; var transit = parseFloat(document.getElementById("spendTransit").value) || 0; var other = parseFloat(document.getElementById("spendOther").value) || 0; var monthlyPoints = 0; var breakdown = ""; if (card === "platinum") { monthlyPoints = (travel * 5) + (dining * 1) + (grocery * 1) + (transit * 1) + (other * 1); breakdown = "Calculated using 5x on Travel and 1x on other categories."; } else if (card === "gold") { monthlyPoints = (dining * 4) + (grocery * 4) + (travel * 3) + (transit * 1) + (other * 1); breakdown = "Calculated using 4x on Dining/Grocery, 3x on Flights, and 1x on other categories."; } else if (card === "green") { monthlyPoints = (travel * 3) + (transit * 3) + (dining * 3) + (grocery * 1) + (other * 1); breakdown = "Calculated using 3x on Travel, Transit, and Dining."; } else if (card === "blueplus") { monthlyPoints = (dining + grocery + travel + transit + other) * 2; breakdown = "Calculated using 2x on all eligible spending (up to $50k annual limit)."; } else if (card === "everyday") { monthlyPoints = (grocery * 2) + (dining + travel + transit + other) * 1; breakdown = "Calculated using 2x on US Supermarkets and 1x elsewhere."; } var annualPoints = Math.round(monthlyPoints * 12); var annualValue = (annualPoints * rate).toFixed(2); document.getElementById("totalPoints").innerText = annualPoints.toLocaleString(); document.getElementById("totalValue").innerText = "$" + parseFloat(annualValue).toLocaleString(); document.getElementById("pointBreakdown").innerText = breakdown + " Based on a " + (rate * 100).toFixed(1) + " cent per point redemption value."; document.getElementById("amex-results").style.display = "block"; }

Leave a Comment