AMEX Platinum Card

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

Review the benefits of the AMEX Platinum Card, calculate how many AMEX Points you can earn, and compare results. Calculate points based on conversion too!

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 Direct)
  • 5x Airfare Booked w/ AMEX Travel
    • Applies to pre-paid bookings (which is normal for airfare).
  • 5x Hotels Booked w/ AMEX Travel
    • Applies to pre-paid bookings.
    • Great for Fine Hotels & Resort and The Hotel Collection bookings.
  • 1x Non-Category

If you like booking your airfare directly with airlines, the AMEX Platinum Card is your best option for maximizing your Membership Rewards Points. You can earn the same 5x on AMEX Travel airfare and hotel spend using the AMEX Business Platinum Card.

Perks & Benefits

Lounge access, hundreds of dollars in annual 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 also be able to partake in the majority of these benefits which can be a plus if you frequently travel with others!

  • Annual $200 Airline Incidental Credit
    • Applies to your chosen airline that you pick upon receiving the card and every January thereafter.
    • Can be used with the following airlines:
      • Alaska Airlines
      • American Airlines
      • Delta Airlines
      • Frontier Airlines
      • Hawaiian Airlines
      • JetBlue Airways
      • Spirit Airlines
      • Southwest Airlines
      • United Airlines
    • Incidental charges are credited back to your account in the form of a statement credit.
    • Baggage fees, lounge fees, and in-flight purchases count as incidental charges; Can also be triggered by some seat costs (such as paying for an Exit seat).
    • Chosen airline does not have to be the same airline you picked on other cards that feature this benefit.
  • Annual $200 Uber Credit
    • Split up into $15 per month with a bonus $20 in December (for a total of $35 in December).
    • Ties to a single Uber account and the $15 is part of your Uber Cash.
    • Must be used within the month offered; Use it or lose it.
    • Can be used for Uber rides or UberEats deliveries.
    • If you dine or ride with Uber often, pair with the Barclays Uber Visa to maximize Uber Cash.
  • Annual $100 Saks Fifth Credit
    • Credit is split up: $50 January-June, $50 July-December.
    • Credit does not roll over; Use it or lose it.
    • Charges with Saks Fifth are credited back to your account in the form of a statement credit.
    • Purchases are trigger shopping in-store or via
  • $100 Global Entry/TSA PreCheck Credit
  • American Express Global Lounge Collection
    • Grants complimentary access to the following lounges:
      • Centurion Lounges
      • Delta Sky Club Lounge
        • Must be flying Delta and present a same-day Delta ticket.
      • Airspace Lounges
      • Escape Lounges
      • Priority Pass Lounges
        • Priority Pass Select Membership is complimentary.
  • Marriott Bonvoy Gold Status
  • Hilton Honors Gold Status
  • Fine Hotel & Resorts
    • Benefits Include:
      • Noon Check-In
      • Complimentary Room Upgrade
      • Continental Breakfast For Two
      • Complimentary In-Room Wi-Fi
      • Late 4pm Checkout
      • Unique Property Amenity
    • Purchase must be made in full on the Business Platinum or personal Platinum Card.
  • The Hotel Collection
    • When staying 2+ consecutive nights, you will receive:
      • $100 USD hotel credit towards hotel amenities such as dining, drinks, and spa.
      • Room upgrade at check-in.
  • Cruises Privileges Program
    • Receive $100 USD to $300 USD when booking 5+ nights with selected cruise lines.
    • Credit amount is based on cruise line and type of room booked.
    • Participating cruise lines include:
      • Celebrity Cruises
      • Norwegian Cruise Line
      • Holland America Line
      • Princess Cruises
      • Royal Caribbean International
      • Cunard Line
      • Ama Waterways
      • Oceania
      • Regent
      • Azamara
      • Seabourn
      • Crystal
      • Silversea
      • Uniworld
      • Windstar
  • The Travel Collection by Travel Leaders Group
  • Avis Preferred Status
  • Hertz Gold Plus Rewards Five Star Status
  • National Car Rental Emerald Club Executive Status
  • International Airline Program
    • Save on base airfare when buying international first, business, or premium economy tickets through American Express.
    • Can pay using any AMEX Card or use Membership Rewards Points.
    • 35% Airline Bonus (Rebate) can also be applied to these bookings when paying with points.
  • +1 American Express Travel Portal
    • Receive an extra point (for a total of 2) for purchases on the AMEX Travel Portal.
    • Does not apply to airfare and hotel booking since they already earn at 5x.
  • AMEX Entertainment Access
    • AMEX Presales
    • AMEX Preferred Seating
    • Access To Exclusive Events
    • By Invitation Only (Platinum Card specific events)
  • Platinum Concierge
  • ShopRunner Membership
  • InCircle
    • Earn 1 InCircle Point for each $1 towards purchases at Neiman Marcus, Bergdorf Goodman, Last Call, Horchow, or Cusp.
    • Redeem 10,000 Points for $100 InCircle Point Card.
  • AMEX Offers
  • Global Dining Collection
  • Departures Magazine
  • No Preset Spending Limit (NPSL)
  • Insurance and Purchase Protections

Sign Up Bonus (SUB)

The standard AMEX Platinum sign up bonuses hovers around 60,000 to 75,000 Membership Rewards Points which is usually earned after spending $5,000 in purchases on the card within the first 3 months.

This is worth at least an easy $600 when redeemed directly with American Express, but it could be worth $1,000 or more transferred to AMEX's airline and hotel partners and redeemed for good value.

AMEX occasionally offers a promotional 100,000-point sign up bonus. This is triggered randomly when landing on the application page, but can also sometimes be triggered by using incognito/private browsing or by using a referral link. If you're not in an immediate rush to pick up the AMEX Platinum, I recommend trying to aim for the 75,000- or 100,000-point sign up bonus since AMEX signup bonuses are typically once per lifetime.


Annual Fee

The AMEX Platinum Card annual fee is $550 which seems to be the norm for premium/luxury travel cards at the moment. While this seems like a lot to pay for a credit card, the extensive list of perks and benefits as well as the 5x earning on airfare and AMEX travel airfare/hotel purchases can easily make this card worth the fee. If you enjoy using lounges (especially if you fly Delta Airlines), this card will benefit you.

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 sets 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 for those who also frequently travel!

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 looking to earn AMEX Points internationally, you'll want to consider pairing this card with the AMEX Gold (restaurant purchases) or AMEX Green (travel & transit purchases).

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 other rewards card side-by-side by clicking on the Compare A Card button.
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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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View Rewards As...
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 ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
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Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
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Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
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Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
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
Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
Learn how you can use cash back portals to earn hundreds in cash back every year booking travel and shopping online. Easily double and triple dip on rewards when you combine cash back portals, loyalty programs, and rewards credit cards.
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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.
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
Edit Fees
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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.
Total Return
The percent you are earning per dollar spent on this card.

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