American Express Gold Rewards Card
American Express
VS
PC Mastercard
PC Financial
Best Value
American Express Gold Rewards Card wins by $294
Based on your spending — adjust below to personalise
AI Expert Analysis
Analyzing cards...
Monthly Spending— all calculations update live
Best Value
American Express Gold Rewards Card
Category Earnings+$564
Welcome Bonus+$600
Annual Fee-$250
Net Value$914
Earnings breakdown
Grocery$288
Gas$72
Dining$144
Bills$60
PC Mastercard
Category Earnings+$600
Welcome Bonus+$20
Annual Fee-$0
Net Value$620
Earnings breakdown
Grocery$432
Gas$36
Dining$72
Bills$60
Annual Fee
American Express
$250
PC Mastercard
$0
✓ Better
Welcome Bonus
American Express
$600
✓ Better
PC Mastercard
$20
Base Rate
American Express
1.0%
PC Mastercard
1.0%
Grocery
American Express
2.0%
PC Mastercard
3.0%
✓ Better
Gas
American Express
2.0%
✓ Better
PC Mastercard
1.0%
Dining
American Express
2.0%
✓ Better
PC Mastercard
1.0%
Bills
American Express
1.0%
PC Mastercard
1.0%
| Feature | American Express Gold Rewards Card | PC Mastercard |
|---|---|---|
Annual Fee | $250 | $0 |
Welcome Bonus | $600 | $20 |
Base Rate | 1.0% | 1.0% |
Grocery | 2.0% | 3.0% |
Gas | 2.0% | 1.0% |
Dining | 2.0% | 1.0% |
Bills | 1.0% | 1.0% |
How net value is calculated
Net Value = Category Earnings + Welcome Bonus − Annual Fee
Category earnings = annual spend per category × reward rate. First-year estimate.