Earn 5X points on flights + $1,400+ in annual credits

AMEX Platinum Card Calculator: Membership Rewards Estimator & Benefit Guide

Fees

Earning Rates

Earn 5X points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
Earn 5X points on prepaid hotels booked with American Express Travel.
Earn 1X points on all other purchases.

Main Benefits

Over $1,400 in annual credits
Complimentary global lounge access to 1,300+ airport lounges
Complimentary status with Marriott Bonvoy and Hilton Honors
Access to Fine Hotels & Resorts and The Hotel Collection
Superb travel and purchase coverage

Our Take

If you're a frequent traveler, The Platinum Card® from American Express might be worth considering. This luxury travel credit card offers a range of benefits, including high rewards on airfare and select travel purchases, over $1,400 in annual credits, access to exclusive airport lounges worldwide, complimentary elite status with hotels and car rental agencies, and many other luxury perks. While the annual fee is high, the benefits may outweigh the cost for those who travel frequently.

Last Updated: 04-15-2025

AMEX Platinum Card Points Calculator

Use this calculator to estimate Membership Rewards points earned with the AMEX Platinum Card based on your monthly travel and lifestyle spend. Include the value of statement credits, lounge access, and point transfers to determine your total return from this premium card.

Quick Card Overview

Calculator Options

Add Card Categories

When On, adding a card to the calculator will add that card's bonus categories if they aren't already present.

Change Card Name

Name the card something else for your own records.

Add To Column

Edit Card Name

Set the name of the card to something of your choosing. Leave it blank to default back to normal card name.

Quick Assign

Use quick assign to quickly toggle this card on for Spend Categories in the calculator. If the card is already assigned, toggling off will set the category to No Selection.

Any currencies you add to the tool will be selectable when entering spend into the Spend Categories section of the calculator.

Do note that any foreign currencies selected will automatically be converted to the card's default currency when calculating rewards.

You can add elite status to one or more columns. This allows you to calculate the extra points you would receive from having status with that program.

If the status is already added, you can update the currency the status is based on by specifying a different currency than what the one in the calculator already has.

NOTE: Elite status is automatically added to the calculator for most credit cards that grant it.

Statuses

Add To Column

Status Value Based On

Clears all spend from a single column or all columns in the calculator. This resets the spend to 0 (zero) for each field, sets the time unit back to 'Monthly' and resets the currency to column's default.

Remove all credit card selections from a single column or all columns in the calculator.

^*NOTE: This has no impact on columns that feature only one credit card.

If you're looking to quickly assign cards to multiple categories, click on the card itself under the Credit Cards section.

Removes all categories from the Spend Categories section (for all columns).

Category:

Spend:

Select the card you will use for this category.

Do note that the order of the categories in the Category Spending section makes a difference. Spend is calculate by month in order of categories listed.

No Selection

Apply the selected card to all categories in this column.

Credit Cards

Search Cards

Search through our credit card database by keyword. This is the most basic of searches. Keywords include:

Credit card name (e.g. Chase Sapphire Reserve, American Express Gold Card)
Credit card code (e.g. PLAT, CSR, VEN)
Issuing bank (e.g. American Express, Chase, U.S. Bank)
Currency (e.g. Membership Rewards Points, Altitude Points, Delta SkyMiles)
Network (e.g. Visa, Mastercard, Discover)

Enter spaces between keywords. Click on a card to view the details as well as the option to add it to the tool.

Show Unavailable Cards

When On, credit cards that are discontinued or currently unavailable will show up in the list.

Credit Card Codes

Enter credit card codes (3-13 characters each).

Use (+) plus sign to add multiple cards to the same column. (e.g. PLAT + PRG2)
Use (,) comma to start a new column. (e.g. PLAT + PRG2, BINKP, CSR + CSP)
Skip columns with empty entries (,,). (e.g. ,, PRG2)
Spaces are ignored.
Max: 10 columns. No max on cards in a column... at the moment.

New cards will be added to the tool along with any already existing entries. When adding more than one card to a column, there will be no selected cards for the column (as in, you will have to select which cards you'll use for each category manually).

(I apologize in advance for some of the codes these credit cards have.)

Not Found:

Add All Categories

When On, adds all the spend categories from each of the cards above.

Welcome To Our Credit Card Calculator Tool

Use this tool to calculate total credit card earnings and the overall cash value of credit cards side-by-side.

To get started, to the calculator.

Currency Worth

Memberships / Loyalty

Spend Categories

Add Categories

Search for categories and click 'Add Category' to add selected categories to the calculator.

Show selected categories

When On, only shows currently selected categories.

Show category descriptions

When On, shows the descriptions for each of the categories.

Bonus Rewards

Total Rewards

Monetary Bonuses

Fees

Total Column Value

Breakdown By Card

The Platinum Card® From American Express Details

Earning Rates

The Platinum Card earns Membership Rewards points at the following rates:

5 points per $1 spent on flights booked directly with airlines or through American Express Travel®, on up to $500,000 on these purchases per calendar year.
5 points per $1 spent on prepaid hotels booked on AmexTravel.com.
1 point per $1 spent on all other card purchases.

Rewards Value & Calculator

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Key Benefits

Here are the main benefits of The Platinum Card:

$200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
$240 Digital Entertainment Credit: Get up to $20 in statement credits each month after you pay for eligible purchases with the Platinum Card® at participating partners. Enrollment required.
$200 Uber Cash: Platinum Card Members can get $15 in Uber Cash for US rides each month, plus a bonus $20 in December. This can also be used for UberEats.
$200 Airline Fee Credit: Get up to $200 per calendar year in statement credits after incidental fees are charged by your one selected, qualifying airline to your Card.
$199 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
$155 Walmart+ Credit: Get up to a $12.95 statement credit back each month after you pay for a monthly Walmart+ membership.
$100 Saks Fifth Credit: Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on your Platinum Card. That's up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. Enrollment required.
The Global Lounge Collection: The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
Fine Hotels & Resorts: When you book through American Express Travel, you’ll receive a suite of benefits with an average total value of $600 in perks, like daily breakfast for two, 4pm check-out, and more.
Marriott Bonvoy Status: As a Business Platinum Card Member, you can upgrade to Marriott Bonvoy® Gold Elite status without meeting any stay requirements. Enrollment required.
Hilton Honors Status: With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio and earn reward stays faster with Hilton Honors Bonus Points. Enrollment required.
Hilton Business Benefits: Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
Global Entry or TSA PreCheck® Credit: Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
And Much More: Car Rental Privileges with Hertz, Avis, and National, Cruise Privileges Program, Global Dining Access by Resy, International Airline Program, Platinum Destinations® Vacations, and The Hotel Collection Program.
Travel & Purchase Coverage^*: Trip Cancellation Insurance, Trip Interruption Insurance, Trip Delay Insurance, Car Rental Loss and Damage Insurance, Baggage Insurance Plan, Cell Phone Protection, Purchase Protection, and Extended Warranty.

^*Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

Transfer Partners & Conversion Calculator

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Fees

Annual Fee

The Platinum Card has an annual fee of $695. (See Rates & Fees)

It's a hefty fee, but the card features over $1,400 in annual credits. If you travel, even if only a few times per year, it should be relatively easy to use at least half of them which will cover the annual fee.

In my opinion, the lounge access alone is easily worth the fee, especially if you travel and frequent airports that have lounges. The purchase insurance is also top-notch and can make it well worth having if you're making any big purchases with the card.

Authorized User Fee

The annual fee for each Additional Platinum Card is $195.

If you have family or friends that travel often, this price tag is a steal. Additional Platinum cardholders receive access to all lounges in The Global Lounge Collection, their own $100 statement credit towards a Global Entry or TSA PreCheck application fee, complimentary hotel elite status and rental car privileges, access to Fine Hotels & Resorts and The Hotel Collection, and much more.

Foreign Transaction Fee

The Platinum Card has a 0% foreign transaction fee. That means you can use this card to make purchases outside of the United States. You will not earn lots of points with this card, but it's still nice to be able to avoid the fee and rely on it for international shopping and travel.