AMEX Points Calculator: The American Express Platinum Card

The American Express Platinum Card earns 5X across airfare and select AMEX Travel purchases. Review card benefits, calculate points, and compare cards.

The Platinum Card® from American Express is a luxury travel credit card that is great for anyone that travels frequently. It offers a high return on airfare and select AMEX travel purchases, $1,400 in annual credits, extensive lounge access, and a long list of other luxury benefits.

Additional Platinum Cards added to the account will also receive access to most of the cards benefits. This includes lounge access, complimentary hotel and car rental status, and much more.

Overall, The Platinum Card is a great luxury travel card that can offer thousands in value if you're able to make use of the cards benefits.

Pre-approved offers from American Express

Get pre-approved for top partner cards like The Platinum Card® from American Express or the American Express® Gold Card with help from CardMatch™. All it takes is 60 seconds to find out if you have pre-approved offers.

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

Rewards Rate Details

The AMEX Platinum Card features three bonus categories that earn additional points. Those categories are airfare booked directly though the airline, airfare booked through American Express Travel, and pre-paid hotels booked through American Express Travel. You'll earn at the bonus rate for the airfare categories on up to $500,000 in spend per calendar year. After that, you'll earn at the non-category rate of 1x for the remainder of the calendar year. The hotel category does not have a cap. There is no limit to the amount of Membership Rewards Points you can earn with the card overall.

  • 5x Airfare Booked Directly w/ Airline or w/ American Express Travel
    • Earn 5x on up to $500,000 per calendar year.
  • 5x Prepaid Hotels Booked w/ American Express Travel
  • 1x Non-Category

As part of a welcome bonus, you will receive the following additional benefits listed below as a new Platinum Card member.

  • New Cardholder Bonus
    • 10x Restaurants (Worldwide)
    • 10x Shop Small in the U.S.
    • Bonus is on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
    • That's an additional 9 points on top of the 1 point you earn for these purchases.

Perks & Benefits

Lounge access, hundreds in annual credits, and elite hotel status is just some of the benefits that make up The AMEX Platinum Card. The value of all these perks can 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 if you have family or friends that frequently travel.

  • Annual $300 Equinox Credit*
    • Get a $25 statement credit each month at Equinox.
    • Can be used to pay monthly towards Equinox All Access, Destination, or E by Equinox membership fees, or for Equinox+.
  • Annual $240 Digital Entertainment Credit*
    • This credit is broken up into $20 per month.
    • This credit can be used towards:
      • Peacock
      • Audible
      • SiriusXM
      • The New York Times
  • Annual $200 Airline Fee 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 Hotel Credit
    • Get $200 back in statement credits each year on select prepaid hotel bookings with American Express Travel.
    • Select prepaid hotel bookings apply to Fine Hotels + Resorts and The Hotel Collection.
  • Annual $200 Uber Cash
    • 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.
  • $179 CLEAR Credit
  • 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
  • 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)
    • No Preset Spending Limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.
  • Insurance and Purchase Protections

*Enrollment required.

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.

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.

Rewards Calculator

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.
Compare A Card
Edit Card
FEE Annual Fee
The annual fee of the selected credit card.
AU Auth Fee
The authorized user fee of the selected credit card.
$ 0
SUB Intro Bonus
If the card has an intro bonus, you can enter it here. If you're unsure of the bonus, you can click the Learn More link by the card image to be taken to the issuer's website (in a new tab).
EV Extra Cash Value
Enter any additional cash value you want to give the card such as the value of unaccounted for perks and benefits.
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here

Currency Worth

The value of the rewards associated with the selected credit card(s). You can click the currency to edit the value or change it to reflect transfer partners.
Card 1
Card 2

Loyalty & Memberships

Hotel elite status, loyalty program status, and memberships. These are typically calculated based on a selection though some are calculated automatically. Most cards will not have anything in this section.
Card 1
Card 2

Category Spending

Click on a category to enter how much you plan on spending. You can add or remove categories, change the order of the categories, or view additional options.
Change Order
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
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/Mobile
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.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Card 1
Card 2

Reward Bonuses

Any extra bonuses to do with a specific card will be listed here. You can edit/add the Intro Bonus (SUB) under the Credit Card section.
Card 1
Card 2


This is the sum of all rewards earned from Category Spending and Reward Bonuses along with the cash value of it all based on Currency Worth.
Card 1
Card 2

Monetary Bonuses

This is the total of all cash bonuses associated with the card(s). You can change the value of those that feature the symbol. Other bonuses are automatic. If there's extra value (EV) you want to add to the card, you can click on the card under the Credit Card section. You can also click on to get details on the listed bonuses.
Card 1
Card 2

Annual Fees

This is the sum of annual fees and authorized user fees associated with the credit card(s). You can edit the annual fee as well as change the number of authorized users by clicking on the card under the Credit Card section at the top of this calculator.
Card 1
Card 2

Grand Total

The estimated cash value of the card(s). This is the sum of the Subtotal and Monetary Bonuses minus Annual Fees. The return is based on estimated cash value divided by total credit card spend.
Card 1
Card 2
The Platinum Card® from American Express
The Platinum Card® from American Express
Intro Bonus
A New Platinum Exclusive Offer: Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
Rewards Rate
Earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel, on up to $500,000 per calendar year.
Earn 5X Membership Rewards® Points on prepaid hotels booked on
Earn 1X Membership Rewards® Points on all other purchases.
Main Card Highlights
  • Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
  • Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
  • Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
  • $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
  • New! American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one qualifying airline.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $25 back each month on select Equinox memberships. Enrollment required.
  • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
  • $695 Annual Fee.
  • Terms Apply.
  • See Rates & Fees
Annual Fee
Authorized User Fee
$175 for up to 3 additional Platinum cards and $175 for each additional Platinum card after the first 3
Foreign Transaction Fee


Is The American Express Platinum Card worth it?

If you're a frequent traveler looking for elite travel benefits the card is worth picking up. Extensive lounge access, complimentary elite status, over $500 in annual credits, and the long list of other benefits easily outweighs the fee.

Is The American Express Platinum the best credit card?

There is no 'best credit card' since everyone have different opinions on what is considered 'best'. With that being said, the American Express Platinum Card is one of the best credit cards for frequent travelers and is a great card to pick up if you enjoy the Membership Rewards program.

Which is better, the American Express Gold or Platinum card?

Both cards are in entirely different categories. The American Express Gold Card focuses on dining and supermarket while the American Express Platinum Card focuses on elite travel benefits such as lounge access and complimentary status with popular hotel chains. Personally, I recommend having both, but you'll want to pick up the card(s) that work best for you.

Does authorized users of The AMEX Platinum Card also receive benefits?

Yes! Authorized users with Platinum Cards will receive the majority of the benefits offered on the card. This includes the extensive lounge access, complimentary elite status, the $100 statement credit for Global Entry or TSA PreCheck, and much more.

Updated 2021-07-01 By Robert Flowers III
Follow on Instagram
Pin Us On Pinterest
Subscribe on YouTube
Support Us With Amazon
🇺🇸 US🇨🇦 CA🇬🇧 UK🇦🇺 AU