Last updated: 8/26/2021
Earns: American Express Membership Rewards
If you spend a lot on groceries and gas and have lots of transactions, this card lets you quickly earn points. You get 3 points for every dollar you spend at grocery stores and 2 for gas, plus a 50% boost when you use your card at least 30 times per billing cycle. Just make sure the $95 fee will be worth it for your spending habits.
(Based on spending from {{earliestTransactionDate | date}} through {{latestTransactionDate | date}})
| You could earn | Worth | Plus Welcome Bonus | Total |
|---|---|---|---|
| {{totalPointsYouCouldEarn | number}} American Express Membership Rewards per year |
${{totalPointsYouCouldEarnValue | number}} | {{welcomeBonus | number}} points worth ${{welcomeBonusValue | number}} |
${{totalValueToUser | number}} |
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Value = 1.7 cents per point
Effective Value = 5.1 %
0.7%
0.7%
0.8%
1.2%
1.3%
1.3%
1.3%
1.4%
1.4%
1.5%
1.7%
1.95%
2.6%
4.19%
5.09%
Value = 1.7 cents per point
Effective Value = 3.4 %
0.7%
0.7%
0.75%
0.8%
1.2%
1.3%
1.3%
1.3%
1.4%
1.4%
1.5%
1.7%
1.95%
2.6%
3%
3.4%
4.19%
Value = 1.7 cents per point
Effective Value = 1.7 %
0.7%
0.7%
0.7%
0.75%
0.8%
1.2%
1.3%
1.3%
1.3%
1.3%
1.4%
1.4%
1.5%
1.7%
1.7%
1.95%
Value = 1.7 cents per point
Effective Value = $255
$50
$70
$100
$105
$130
$150
$150
$192
$200
$200
$200
$200
$200
$210
$255
$260
$314.99
$480
$510
$650
$700
$910
$975
$1020
$1080
$1080
$1120
Points
After you spend $1,000 in 3 months
3x
U.S. Grocery Stores (first $6,000 in purchases each year)
Excellent
In the top 15% of cards.
2x
U.S. Gas Stations
Excellent
In the top 15% of cards.
1x
All Other
That depends on your individual spending patterns. We have a tool that figures it out for you. Learn what you could earn.
You can earn more rewards by using different cards for different purchases. We built a tool that tells you which card to use, when. Just plug in your favorite brand, store, or category to find out which card pays the most.
Earn 50% Extra Points
Use your Card 30 or more times on purchases in a billing period and earn 50% extra points on those purchases less returns and credits.
| INTRO APR FOR PURCHASES | 0% for 12 months |
| INTRO APR FOR BALANCE TRANSFERS | 0% for 12 months |
| PURCHASES APR | 12.99% to 22.99% |
| BALANCE TRANSFER APR | 12.99% to 22.99% |
| BALANCE TRANSFER FEE | Either $5 or 3% of the amount of each transfer, whichever is greater. |
| CASH ADVANCE APR | 25.24% |
| CASH ADVANCE FEE | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| LATE PAYMENTS | Up to $39 |
| FOREIGN TRANSACTION FEE | 2.7% |
