More Rewards American Express: what it earns

Updated September 17, 2026 · from RightCard's verified card and merchant data

More Rewards American Express earns 3x points at restaurants, 3x points at supermarkets, 3x points at gas stations, 3x points at transit & rideshare, and 1x points on everything else. We value other points programs at 1¢ per point toward travel and 1¢ as cash; the table below shows both readings. No annual fee.

Every category, as published

The everyday rates only. No welcome bonus, no limited-time offers. Where a rotating 5% quarter is live today it is noted in the row.

Category	Earn	≈ value / $1
Restaurants	3x points	3¢ cash · 3¢ travel
Supermarkets	3x points	3¢ cash · 3¢ travel
Gas stations	3x points	3¢ cash · 3¢ travel
Travel	1x points	1¢ cash · 1¢ travel
Online shopping	1x points	1¢ cash · 1¢ travel
Drugstores	1x points	1¢ cash · 1¢ travel
Transit & rideshare	3x points	3¢ cash · 3¢ travel
Streaming	1x points	1¢ cash · 1¢ travel
Everything else	1x points	1¢ cash · 1¢ travel

Travel value uses 1¢ per point for other points programs, a conservative figure. Cash redemptions on most points programs pay 1¢ or less.

Where it beats a flat 2% card

Restaurants, Supermarkets, Gas stations, Transit & rideshare. Everywhere else a plain 2% card earns more, so this card is a category card, not an everything card.

Where the grocery bonus will not post

Superstores and warehouse clubs code outside the supermarket category, so the grocery rate usually does not post at Walmart, Target, Costco, Sam's Club or BJ's. Check any store.

Delivery apps and the dining rate

DoorDash, Uber Eats and Grubhub set their own merchant codes. Chase and Amex write delivery into their dining terms; read yours once. The DoorDash breakdown.

See it against the rest of your wallet →

How RightCard handles this: add the More Rewards American Express in the app and it competes with your other cards at every store, with your bank offers and this quarter's rotating bonus folded in. The app is free and private. No bank login. Recommendations are computed on your phone.

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FAQ

What does the More Rewards American Express earn at supermarkets?

3x points at stores that code as supermarkets. Superstores and warehouse clubs usually do not count.

What does the More Rewards American Express earn on everything else?

1x points on purchases outside its bonus categories.

Does the More Rewards American Express have an annual fee?

No annual fee.

How much are More Rewards American Express points worth?

About 1¢ each toward travel by our conservative estimate for other points programs, and 1¢ or less as cash.

Where these numbers come from: RightCard's data pipeline re-checks each card's published rates weekly and lists a rate only after two independent sources agree. Merchant codes come from our merchant directory. If a card or store is missing here, it is because we could not verify it, not because we guessed.

More guides: Rate my wallet · All cards · Restaurants guide · Supermarkets guide · Gas stations guide · Transit & rideshare guide