Amex Platinum Calculator
Calculate if the $895 annual fee is worth it based on your spending and credit utilization.
1. Enter Your Spending
5X Categories
1X Categories
2. Credit & Perk Usage
Be honest about which credits you'll actually use. Over-optimism inflates your net value.
Statement Credits
$300 semi-annually on Fine Hotels + Resorts / Hotel Collection via Amex Travel
$100/quarter for eligible Resy purchases
$25/month on select streaming & subscriptions
$75/quarter at lululemon
Incidental fees on your selected airline
$15/month + $20 bonus in December
$50 semi-annually
Up to $300/year toward Equinox membership
Up to ~$155/year for Walmart+ membership
Up to $209/year (excludes taxes)
Up to $120/year after paying for Uber One
Up to $200/year at ouraring.com
Global Entry / TSA PreCheck
$120 every 4 years (or $85 for TSA PreCheck)
Lounge Access
Other Value
3. Point Valuation (cpp)
cpp = cents per point. This is how much each Membership Rewards point is worth when redeemed. 1.3 cpp means 10,000 points = $130.
0.6 cpp: Cash / statement credit redemption
1.0 cpp: Amex Travel portal baseline
1.3 cpp: Conservative transfer partner value
2.0 cpp: Strong business/first class redemptions (not guaranteed)
Optimize Your Entire Wallet
The Amex Platinum is just one card. See how it fits with your other cards to maximize rewards across all your spending categories.
Try the CardSavvy OptimizerLearn More
Read our analysis of premium cards and how to decide which one fits your spending.
This calculator provides estimates based on published Platinum Card terms as of January 2026. Benefits, credits, enrollment requirements, partners, and earning rules can change. Credits have specific activation requirements and restrictions. Not financial advice.