We score this card on five factors — earn rate, real point value, portfolio pooling, merchant bonuses, and your stated goal — recalculated for your specific wallet, not a static rating.
Top effective rate on this card: 1.6¢ per dollar. Full methodology →
Point value context: We value Membership Rewards at 1.3¢ per point (conservative estimate). The effective cash value column below reflects this — it's what each reward rate is actually worth per dollar spent, not just the nominal multiplier. How we calculate this →
| Category | Earn Rate | Effective Value |
|---|---|---|
| Everything Else | 1.25x Membership Rewards | 1.63¢/$ |
Rates may be subject to caps, exclusions, enrollment requirements, and issuer-defined merchant categories. See our data verification methodology →
Terms, APR, and the current welcome offer are set by the issuer, not us, and can change without notice. Confirm the live offer on their site before you apply.
Find American Express's card page →PullThisCard does not currently receive compensation from this link.