How much is the American Express (Gold / Platinum) Personal Charge Card bonus actually worth?
The headline number is 80,000 to 175,000 Amex Membership Rewards points. Counting the money you tie up and the time the requirements take, it works out to about $4,174/hr per hour of your own time.
Amex Membership Rewards transfer 1:1 to Delta SkyMiles, Air Canada Aeroplan, ANA, British Airways Avios, Virgin Atlantic, Air France/KLM Flying Blue, and 15+ more. Worth 1.5 to 2.0 cents each in travel.
The numbers, in full
| Payout | 80,000 to 175,000 Amex Membership Rewards points |
|---|---|
| What it takes | Spend $6,000 in 6 months on Gold, or $8,000 in 6 months on Platinum. Amex 'once per lifetime' rule per card product applies. |
| Direct deposit needed | No |
| Money tied up | None |
| Time committed | 60 days |
| Effective APY | No capital tied up |
| Per hour of your time | $4,174/hr |
| When it pays | Points post 8 to 12 weeks after the spend requirement is met |
| Offer ends | No published end date |
| Last checked | Jul 5, 2026 |
What the return actually looks like
No money of yours sits still here, so an APY would be meaningless. Judge it on pay for your time: about $4,174/hr for roughly under an hour of work.
Read this chart as a table
| Offer | Pay per hour | Hands-on hours |
|---|---|---|
| American Express (Gold / Platinum) (this offer) | $4,174/hr | 0.38h |
| Chase Sapphire Preferred | $3,261/hr | 0.38h |
| Marriott Bonvoy Business American Express | $2,348/hr | 0.38h |
| Chase Sapphire Reserve | $2,027/hr | 0.62h |
| Chase United Explorer | $1,957/hr | 0.38h |
| Delta SkyMiles Gold American Express | $1,826/hr | 0.38h |
Open it
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