American Express Membership Rewards Point Calculator
Estimate your annual Membership Rewards points based on your spending habits and chosen American Express card.
Select Your Amex Card:
Amex Gold Card
Amex Platinum Card
Amex Green Card
Amex Everyday Preferred Card
Monthly Spending: U.S. Supermarkets
Monthly Spending: Restaurants Worldwide
Monthly Spending: Travel (Flights, Hotels, Transit)
Monthly Spending: U.S. Gas Stations
Monthly Spending: Other Purchases
Calculate Annual Points
Understanding American Express Membership Rewards Points
American Express Membership Rewards (MR) points are a highly flexible and valuable loyalty currency. Earned through spending on eligible Amex cards, these points can be redeemed for a wide variety of options, including:
Travel: Transfer points to airline and hotel partners (often the best value), book travel through AmexTravel.com.Gift Cards: Redeem for gift cards from various retailers.Statement Credits: Use points to pay for charges on your statement (generally lower value).Shopping: Pay with points at select merchants like Amazon.
How Points Are Earned
The number of points you earn per dollar spent varies significantly by the specific American Express card you hold and the spending category. Many cards offer bonus multipliers for categories like groceries, dining, and travel, while all other eligible purchases typically earn 1 point per dollar. Some bonus categories also have annual spending caps, after which the earning rate reverts to 1 point per dollar.
Using the Calculator
To use this calculator, simply select your American Express card from the dropdown menu and enter your estimated monthly spending in the various categories. The calculator will then estimate your total annual Membership Rewards points, taking into account common bonus categories and annual spending caps for the selected card.
Example Calculation
Let's say you have an Amex Gold Card and your monthly spending is:
U.S. Supermarkets: $600
Restaurants Worldwide: $400
Travel: $100
Gas: $100
Other Purchases: $700
Here's how the annual points would be calculated:
Supermarkets: $600/month * 12 months = $7,200/year. Since this is below the $25,000 annual cap for the Gold card, you earn 4x points: $7,200 * 4 = 28,800 points .Restaurants: $400/month * 12 months = $4,800/year. Gold card earns 4x points: $4,800 * 4 = 19,200 points .Travel: $100/month * 12 months = $1,200/year. Gold card earns 1x points: $1,200 * 1 = 1,200 points .Gas: $100/month * 12 months = $1,200/year. Gold card earns 1x points: $1,200 * 1 = 1,200 points .Other Purchases: $700/month * 12 months = $8,400/year. Gold card earns 1x points: $8,400 * 1 = 8,400 points .
Total Estimated Annual Points: 28,800 + 19,200 + 1,200 + 1,200 + 8,400 = 58,800 points .
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function calculateAmexPoints() {
// Get input values
var monthlySupermarkets = parseFloat(document.getElementById('monthlySupermarkets').value);
var monthlyRestaurants = parseFloat(document.getElementById('monthlyRestaurants').value);
var monthlyTravel = parseFloat(document.getElementById('monthlyTravel').value);
var monthlyGas = parseFloat(document.getElementById('monthlyGas').value);
var monthlyOther = parseFloat(document.getElementById('monthlyOther').value);
var selectedCard = document.getElementById('selectedCard').value;
// Validate inputs
if (isNaN(monthlySupermarkets) || isNaN(monthlyRestaurants) || isNaN(monthlyTravel) || isNaN(monthlyGas) || isNaN(monthlyOther) ||
monthlySupermarkets < 0 || monthlyRestaurants < 0 || monthlyTravel < 0 || monthlyGas < 0 || monthlyOther < 0) {
document.getElementById('result').innerHTML = 'Please enter valid positive numbers for all spending categories.';
return;
}
// Convert monthly spending to annual spending
var annualSupermarkets = monthlySupermarkets * 12;
var annualRestaurants = monthlyRestaurants * 12;
var annualTravel = monthlyTravel * 12;
var annualGas = monthlyGas * 12;
var annualOther = monthlyOther * 12;
var totalAnnualPoints = 0;
// Define multipliers and caps based on selected card
var supermarketMultiplier = 1;
var restaurantMultiplier = 1;
var travelMultiplier = 1;
var gasMultiplier = 1;
var otherMultiplier = 1;
var supermarketCap = Infinity; // Default no cap
var travelCap = Infinity; // Default no cap for general travel, specific for Platinum's 5x category
switch (selectedCard) {
case 'gold':
supermarketMultiplier = 4;
restaurantMultiplier = 4;
travelMultiplier = 1; // Gold is 1x on general travel
gasMultiplier = 1;
otherMultiplier = 1;
supermarketCap = 25000; // $25,000 per calendar year on U.S. Supermarkets
break;
case 'platinum':
supermarketMultiplier = 1;
restaurantMultiplier = 1;
travelMultiplier = 5; // 5x on flights booked directly with airlines or on amextravel.com, and prepaid hotels on amextravel.com
gasMultiplier = 1;
otherMultiplier = 1;
travelCap = 500000; // $500,000 on eligible travel purchases per calendar year for 5x
break;
case 'green':
supermarketMultiplier = 1;
restaurantMultiplier = 3;
travelMultiplier = 3; // 3x on eligible travel and transit
gasMultiplier = 1;
otherMultiplier = 1;
break;
case 'everydayPreferred':
supermarketMultiplier = 3;
restaurantMultiplier = 1;
travelMultiplier = 1;
gasMultiplier = 2;
otherMultiplier = 1;
supermarketCap = 6000; // $6,000 per calendar year on U.S. Supermarkets
break;
}
// Calculate points for Supermarkets
var pointsSupermarkets = 0;
if (annualSupermarkets <= supermarketCap) {
pointsSupermarkets = annualSupermarkets * supermarketMultiplier;
} else {
pointsSupermarkets = (supermarketCap * supermarketMultiplier) + ((annualSupermarkets – supermarketCap) * 1); // 1x after cap
}
totalAnnualPoints += pointsSupermarkets;
// Calculate points for Restaurants
var pointsRestaurants = annualRestaurants * restaurantMultiplier;
totalAnnualPoints += pointsRestaurants;
// Calculate points for Travel
var pointsTravel = 0;
if (annualTravel <= travelCap) {
pointsTravel = annualTravel * travelMultiplier;
} else {
pointsTravel = (travelCap * travelMultiplier) + ((annualTravel – travelCap) * 1); // 1x after cap
}
totalAnnualPoints += pointsTravel;
// Calculate points for Gas
var pointsGas = annualGas * gasMultiplier;
totalAnnualPoints += pointsGas;
// Calculate points for Other Purchases
var pointsOther = annualOther * otherMultiplier;
totalAnnualPoints += pointsOther;
// Display results
document.getElementById('result').innerHTML =
'Estimated Annual Membership Rewards Points:
' + totalAnnualPoints.toLocaleString() + ' ' +
'
Note: This calculation is an estimate. Actual points may vary based on merchant categorization, specific card terms, and promotional offers. For Platinum card, the 5x travel multiplier applies specifically to flights booked directly with airlines or on amextravel.com, and prepaid hotels booked on amextravel.com. ';
}