Membership Rewards Points Calculator - AMEX Platinum Card

AMEX Platinum Card

5X Airfare
5X Amex Travel Airfare
5X Amex Travel Hotels
$200 Annual Airline Credit
$200 Annual Uber Credit
$100 Global Entry/TSA PreCheck
Marriott & Hilton Gold Status
Delta SkyClub Access
Centurion Lounge Access
Priority Pass
Rental Car Status
AMEX Benefits

Use the AMEX Platinum Points Calculator to calculate total points based on your spend and compare the results side by side any credit card.


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Being one of the most popular premium credit cards in the market, The Platinum Card by American Express offers some of the most elite benefits a traveler could ever want. From an extensive amount of lounge access to earning 5x points per dollar on airfare, this card is loaded with perks that compete against other top luxury cards such as The Citi Prestige and The Chase Sapphire Reserve Card.

Bonus Categories

The AMEX Platinum Card earns 5x points on airfare booked directly with the airline and 5x points on both airlines and hotels booked through AMEX. There is no limit to the amount of bonus points you can earn spending in these category and there is no limit to the amount you can earn with the card. Below are the bonus categories featured on the AMEX Platinum Card

5x Airfare Booked Directly With Airline

Platinum Card holders will earn an outstanding 5 Membership Rewards Points per $1 spent on airfare purchased directly with the airline. Airfare must be for a scheduled flight on a passenger carrier and purchased directly from the airline. This does not apply to vacation packages and purchases with a third party (with the exception of AMEX Travel purchases since it is one of The Platinum Card bonus categories). This is one of the best rates on airfare next to the Chase Sapphire Reserve Card.

5x Airfare Booked With AMEX Travel

This card also earns a whopping 5 Membership Rewards Points per $1 spent on airfare purchased through the American Express travel portal. These purchases must be made with the Platinum Card and must be paid bookings.

5x Hotels Booked With AMEX Travel

The Platinum Card earns 5 Membership Rewards Points per $1 spent on hotels booked through the American Express travel portal. As with the airfare purchases, these purchases must be made with the card and non-prepaid purchases/bookings will not apply. This allows you to earn big on Fine Hotels & Resorts properies which offers benefits such as room upgrade, complimentary breakfast for two, 4pm late check-out, noon check-in, complimentary Wi-Fi, and a unique amenity such as a food/beverage credit or spa credit.

1x Non-Category

All other purchases ran across The Platinum Card will only earn 1 Membership Rewards Point per $1 spent. That makes this card a poor choice for any spending done outside of the bonus categories above. If you're looking for a good return on Membership Rewards Points for non-category purchases, the Blue Business Plus is the best way to go since it earns double points on the first $50,000 in purchases and has no annual fee. The next best thing would be the Everyday Preferred Card with it's 1.5x earning per $1 spent after reaching 30 transactions in a statement.

+1 AMEX Travel Portal

As with other AMEX point earning cards, the Platinum Card will earn the usual 1 additional Membership Rewards Point per $1 spent on all other purchases (non-bonus category) booked through the American Express Travel Portal.

Perks and Benefits

Lounge access, hundreds of dollars in credits, and elite hotel status is just some of the perks and benefits that make up The Platinum Card. The value of all these perks easily outweigh the hefty annual fee and makes the card worth keeping in the long run if you're a frequently traveler. Authorized users will be able to partake in the majority of these benefits as well!

$200 Airline Incidentals Credit

The $200 AMEX Platinum Airline Credit is for incidentals on a chosen airline. Qualifying airlines include Alaska Airlines, American Airlines, Delta Airlines, Frontier Airlines, Hawaiian Airlines, JetBlue Airways, Spirit Airlines, Southwest Airlines, and United Airlines. Incidental air travel fees must be charged to the Card Member on the eligible Card Account for the benefit to apply and incidental air travel fees charged by both the Basic and Additional Card Members on the eligible Card Account are eligible for statement credits. The account is only up to a $200 credit, per calendar year, across all the card accounts. Do note that the AMEX Platinum airline credit can not longer be triggered by gift card purchases. This means you will have to plan out your credit. Baggage fees, lounge access, and in-flight purchases are some of the charges that can trigger the credit. This credit is also sometimes trigger by seat upgrades made to a ticket you've already purchased.

You must select an airline for each card eligible to receive the AMEX Airline credit.

$200 Uber Credit

The Platinum card also has a $200 Uber Credit per year. This credit is broken down to $15 per month with a bonus $20 in December (for a total of $35 in December). This credit can be used for both Uber rides and UberEats. Any Uber charges to the AMEX Platinum Card will deduct from the credit balance until it is depleted. Do note that this credit is not available to Business Platinum Card members.

Marriott Bonvoy Gold Status

AMEX Platinum Card members can sign up for Marriott Elite Gold Status with the Marriott Bonvoy Program. The Platinum Card member will maintain Gold Elite status without meeting otherwise required Marriott Program criteria as long as the cardholder remain an eligible American Express Card Member or until American Express notifies them that the benefit is terminated. Authorized users can also obtain Marriott Gold Elite status with the Platinum Card by calling the number on the back of their card.

Marriott Gold Elite status is obtained by earning 25 nights, but can also be obtained automatically by holding the Marriott Brilliant Card and the now unavailable Ritz-Carlton Credit Card. The status can also be hit by running an extensive amount of spend through any of the standard Marriott cards such as the Marriott Boundless Card or Marriott Bonvoy Business Card. Marriott Gold comes with perks such as late checkout, complimentary room upgrades, enhanced internet, and a 25% bonus on Marriott Bonvoy Points.

Hilton Gold Status

Another AMEX Platinum Card hotel benefit is that it also comes with Hilton Gold Status with the Hilton Honors Program. As with the Marriott Gold Elite status, the cardholder will receive Hilton Gold benefits and will remain Hilton Gold without meeting Hilton Honors Program criteria as long as the cardholder remains an eligible American Express Card Member or until America Express notifies them that the benefit is terminated. Authorized users can also obtain Hilton Gold by calling the number on the back of their card.

Gold status within the Hilton Honors program is earned after reaching 20 Stays, 40 Nights, or 75,000 Hilton Honor Base Points. Hilton Gold status comes with perks such as complimentary room upgrades, continental breakfast, free bottles of water, and more. Honors Gold can also be obtained automatically by holding either the Hilton Honors Surpass Card or Hilton Honors Business Card or by running heavy spend through the no annual fee Hilton Honors Card.

$100 Global Entry / TSA PreCheck Credit

The Platinum card offers up to a $100 statement credit on a Global Entry or TSA PreCheck application fee. This credit is once per year, every four years. This applies to additional cardholders as well. Additional users must use their own card to trigger their $100 statement credit. The statement credit will trigger regardless of whether or not the applicant is approved.

This is a common perk of most luxury cards including the Citi Prestige Card and the Chase Sapphire Reserve Card. There are a few non-luxury cards that offer this statement credit without the hefty annual fee such as the Capital One Venture Card and US Bank FlexPerks Gold Card.

Platinum Card Lounge Access

Platinum cardholders will have complimentary access to Centurion Lounges, Delta Airline SkyClubs (when flying Delta), Airspace Lounges, and Priority Pass Lounges. Centurion Lounge access offers up to two guests. Delta SkyClub allows guests for a reduced fee. Airspace Lounge access offers up to two complimentary guests. Priority Pass Select offers up to two guests free of charge. Additional guests are $27 per each (not all lounges allow guests). Centurion Lounges, Delta SkyClubs, Airspace Lounge and Priority Pass complimentary access only applies to Platinum Card holders. These perks are not available to Gold and Green additional card holders.

The Platinum Card is by far the best card for anyone craving lounge access at thousands of locations worldwide. While a great deal of luxury cards offer Priority Pass, the addition of adding Centurion Lounges, Airspace Lounges, and Delta SkyClub Lounges pushes it ahead of the competitors. If you're a frequent Delta Airlines traveler, this is a card that you will want to look into.

Other Benefits

There are more than 15 other AMEX Platinum benefits including Fine Hotels and Resorts access, car rental status, cruise discounts, incircle membership, shoprunner membership, $100 off Saks Fifth Purchases, roadside assistance, return protection, Boingo wifi, car rental insurance (secondary), purchase insurance, and more. Check out our article on AMEX Platinum Benefits to get all the details.

Sign Up Bonus

The standard AMEX Platinum Card sign up bonus hovers around 60,000 Membership Rewards Points which is worth at minimum $600 if redeemed for travel through their site, but can be worth as much as $1,200 when transferred to any of their 19 hotel and airline travel Partners. It's also worth noting that during the year, American Express occasionally offers welcome bonuses as high as 100,000 Membership Rewards Points. Using incognito/private browsing can sometimes trigger the higher bonuses. If you're not in an immediate rush to pick up The Platinum Card and can meet spend goals of $5k to $10k during the first three months of account opening, I'd recommend waiting for a 75,000 to 100,000 Membership Rewards Points offer since all AMEX sign up bonuses are one time only.

Credit Card Fees

Fees
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

The AMEX Platinum Card annual fee is $550. This is higher than other premium reward cards like the Chase Sapphire Reserve and Citi Prestige Card which both have a fee of $450. As you read in the benefits section, the Platinum Card does come with $400 in annual statement credits. If you can make use of the credits, the true annual fee of this card is $150 in which the Platinum Card is well worth that amount and more.

Authorized User Fee

The AMEX Platinum Card authorized user fee is $175 for up to 3 additional Platinum cards and $175 for each additional Platinum card after the first 3. So if you add one additional user, I would recommend finding at least 2 more to add for a total of three additional users since it's going to cost $175 regardless. What set the Platinum and Business Platinum apart from the competition is that each authorized user will also get to partake in the majority of the perks and benefits this card offers making this authorized user fee worth paying!

Foreign Transaction Fee

The Platinum Card has a 0% foreign transaction fee. This means you can use it overseas without any worry of losing rewards. Point wise, the Platinum Card will not make you any real rewards when it comes to using it overseas. If you're attempting to earn Membership Rewards Points overseas, the best earning rate would come from the AMEX Everyday Preferred Card. Even still, that's only 1.5x points per dollar spend if you hit the transaction goal. I would recommend using a cash back card with no foreign transaction fee such as the Barclay Uber Card or Capital One Savor Card so that you're earning a great rate overseas.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
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Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
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0 Cent(s)
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This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
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Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
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Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
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This will clear the spend in all of the categories in both columns. This will also clear all saved values.
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Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
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Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
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Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
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Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
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Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
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Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
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Total Return
The percent you are earning per dollar spent on this card.
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Page Last Updated: 2019-07-17

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