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Membership Rewards
As recorded in the spreadsheet. Conditions and combined limits still apply; these aren’t calculated recommendations.
| Category | Rate | Cap / limit | Conditions |
|---|---|---|---|
| Restaurants / Dining | 4× | $50k/yr, then 1× | Worldwide, plus US takeout and delivery |
| Groceries | 4× | $25k/yr, then 1× | US supermarkets only; excludes Walmart / Target / wholesale |
| Travel — Airfare | 3× | — | Direct or via Amex Travel |
As high as 100,000 points
Membership Rewards
As high as 100,000 Membership Rewards points after $8,000 in purchases in the first 6 months. Offer varies by applicant.
Uses the workbook’s 2¢ per point assumption, not a guaranteed redemption value. Excludes additional components, matches, annual fees, and the cost of meeting qualifying spend. This is not a purchase reward rate.
These are source research notes, not a determination that you qualify. Family rules may apply only to the products named below. Confirm current issuer terms.
Amex once-per-lifetime; ineligible if you have/had Platinum (family rule) — apply for Gold before Platinum
Window start event: Confirm the exact starting event with the issuer. A completion window is not the offer expiration date.
Headline maximum (TPG, Oct 2026).
Offer type, as listed: Public — as high as