AMEX Platinum Card Calculator

Review the benefits of the AMEX Platinum Card, calculate how many AMEX Points you can earn, and compare results side by side top cards.
Last Updated: 2020-06-13

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.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

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
  • Global Entry or TSA PreCheck Credit
    • Global Entry is for speeding through customs when re-entering the states; also grants TSA PreCheck if approved.
    • TSA PreCheck is for expedited screening through TSA checkpoints.
  • 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

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).

Rewards Calculator

You can use the 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 the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

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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Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
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Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
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Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all rewards earned from Category Spending and Reward Bonuses, along with the cash value of it all based on Currency Worth.
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Cash Value
Cash value of Total Earnings based on Currency Worth.

Rakuten Rewards

$20 Bonus
Earn $20 or 2,000 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $20+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
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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 based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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