Best For Global Lounge Access

Credit card rewards calculator

Amex Platinum Card Calculator

Enter your spending and the perks you'll actually use to see what the Amex Platinum earns and whether it covers its fee. Value the travel and dining credits, lounge access and hotel status yourself, then add other cards to compare them side by side.

Written By: Robert Flowers III

Last Updated: September 30, 2026

Annual fee $799 annual fee

Auth. user fee $250 annual fee for each Additional Platinum Card ($0 annual fee for first two Additional Gold Cards, $50 annual fee for additional)

Foreign trans. fee 2.5%

Issuer American Express

Intro bonus Up to 100,000 Membership Rewards points

Learn More

Calculate your The Platinum Card rewards

What The Platinum Card calculator works out

This is an interactive calculator for The Platinum Card. It estimates how many AMEX Membership Rewards Points the card earns from your own spending, what those points are worth at a valuation you set, and what the card is worth across a year once benefits and the annual fee are accounted for. The figures below are the card's published rates; enter your spending to replace them with your own numbers.

The Platinum Card earning rates

The calculator applies these rates to the spending you enter, dropping to the lower rate automatically once a cap is reached.

Spending category	Rate	Cap
Restaurant/Dining	2X	No cap
Food Delivery Services	2X	No cap
Travel (General)	2X	No cap
Everything Else	1X	No cap
American Express Travel Hotel	1X	No cap
American Express Travel Car Rentals	1X	No cap

Example: The Platinum Card earnings on Restaurant/Dining

Putting $1,000 a month into Restaurant/Dining ($12,000 a year) with The Platinum Card earns about 24,000 AMEX Membership Rewards Points a year. At a baseline of 1¢–2¢ per point, that's about $240–$480 in value, against $799 in annual fee. You can set your own value per point in the calculator. Change the spending figures to work this out for your own budget across every category at once.

Credits and benefits you can adjust

Benefits are worth different amounts to different people, so the calculator lets you set your own value for each of these rather than assuming one:

American Express Global Lounge Collection — enter your own value. Enjoy complimentary access to lounges around the world including Centurion, Priority Pass, Delta Sky Club (when flying Delta), and more.
$200 Annual Travel Credit — enter your own value. Receive a $200 credit towards any single travel booking of $200 or more on your Card, made through American Express Travel Online or Platinum® Card Travel Service.
$200 Annual Dining Credit — enter your own value. Get $200 back on a single transaction of $200 or more, including tax and tip, at a participating restaurant in Canada.
$100 NEXUS Statement Credit — enter your own value. Receive up to $100 in statement credits every four years toward a NEXUS application or renewal fee charged to the card.

How The Platinum Card result is calculated

Net annual value = (AMEX Membership Rewards Points earned from your spending × your value per point) + the value you assign to the card's credits and benefits − the $799 annual fee.

AMEX Membership Rewards Points start at a baseline of 1¢–2¢ each. That figure is a starting point, not a fixed rate — the calculator lets you replace it with your own.

Every input is adjustable: spending per category, the value of a single point, what each credit or benefit is worth to you, and whether to count the intro bonus. Up to 10 cards or multi-card wallets can be compared side by side, and each card can be set to earn a different rewards currency, including any of the 8 programs AMEX Membership Rewards Points transfer to — so a card can be valued at what its points are worth after a transfer rather than at the baseline rate.

How This Credit Card Rewards Calculator Works

This tool uses a Net Value framework to estimate what you earn minus the costs of holding the card, based on your inputs.

The formula: Net Value = ((Rewards Earned from Spend × Value per points) + Perk Value) − (Annual Fee + Authorized User Fees + Foreign Transaction Fees)
If you include intro bonuses in the calculator, they're added to annual value using the same points valuation you set.
Total customization: Baseline estimates may pre-fill for convenience, but you can override values (valuations, spend, perks, and fees) to match your strategy.
Perk valuation: Benefits may default to full, partial, or zero value depending on how easy they are to use. You should adjust each perk to a "utilization value" based on what you realistically save.
Transfer modeling: For transferable rewards, conversions are modeled using standard ratios for your region. You can adjust ratios to reflect transfer bonuses or recent changes.
Verified rates: Default earning multipliers and fees are based on current issuer/program terms, then your calculator inputs determine the final result.

Full breakdown: For data sources and deeper math, see our Full Rewards Methodology.

Frequently asked questions

How should I value the Platinum's credits and perks?

Every credit and perk is editable. Count the $200 travel credit if you'll book at least one trip a year through Amex Travel, and the dining credit only if you'd eat at a listed restaurant anyway. For lounge access, enter what a visit is worth to you, times the visits you'd make. Turn off anything you won't use.

Does the calculator include the fee and foreign purchases?

Yes. The annual fee is included and editable, and you can set how many supplementary cards to add. If you change a spending category's currency from Canadian dollars, the calculator applies the 2.5% conversion fee and the 1X rate to that spending.

How do I see what Platinum points are worth as Aeroplan points?

Set the card's model currency to Aeroplan, and the calculator converts the points at the transfer ratio and values them as Aeroplan points. You can also change the point value directly if you value Membership Rewards points differently.

How do I model the Platinum with the Cobalt?

Put both cards in the same column and assign groceries, dining and delivery to the Cobalt and travel to the Platinum. Both earn Membership Rewards points, so the column shows your combined total.

Can I pair the Platinum with an Aeroplan card?

Yes. Add an Aeroplan card like the Aeroplan Reserve to the same column. Set the Platinum's currency to Aeroplan to see one Aeroplan total, or leave it as Membership Rewards to see both balances separately.

How many cards can I compare?

Up to 10 columns, with as many cards in each column as you like. Use separate columns to compare the Platinum on its own, the Platinum with a Cobalt, and the Gold Rewards Card side by side.