---
title: "If i spend ~$4060 a year on groceries/dining, I break even with Amex Gold, right? — Stuff That Spins"
description: "My understanding is each dollar spent on dining/grocery is 4 points with the multiplier. Each point is worth as an estimated average $.02 in miles/rewards etc.…"
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date: "2026-07-05T22:46:10+00:00"
modified: "2026-07-05T23:45:04.221036+00:00"
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# If i spend ~$4060 a year on groceries/dining, I break even with Amex Gold, right?

**Source:** Unknown  
**Published:** July 5, 2026  
**Original:** https://www.reddit.com/r/CreditCards/comments/1uofwsn/if_i_spend_4060_a_year_on_groceriesdining_i_break/  

## On this page

- [Overview](#overview)

<a id="overview"></a>

## Overview

My understanding is each dollar spent on dining/grocery is 4 points with the multiplier. Each point is worth as an estimated average $.02 in miles/rewards etc. So doing the math for every $12.5 spent on dining, I get $1 in rewards. So I just need to spend $4062.5 every year (~$340/mo) on dining to break even and get $325 in rewards, right?   submitted by   /u/surf_AL [link]   [comments]

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