AMEX Trifecta Calculator: Calculate Points & Card Value

Membership Rewards Points Calculator
See how many points you can earn when you combine The Platinum Card, American Express Gold, and Blue Business Plus to form the AMEX Trifecta. Compare results side by side other card combos and find out which earns you the best return.
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Last Updated 2021-12-19

The AMEX Trifecta is a 3-card combination of credit cards that earn Membership Rewards Points. The goal of a trifecta (or any combination) is to find which card combination earns you the best overall return and value.

The most common and popular AMEX Trifecta consists of:

This page focuses on this particular 3-card combination, but you can build your own trifecta, quadfecta, or any combination of credit cards from AMEX or other card providers using the Credit Card Comparison Tool.

Card Details At-A-Glance

Issuing Bank
Card Network
Rewards Earned
Rewards Avg Value
Annual Fee
Authorized User Fee
Foreign Transaction Fee
Income Requirement

The Platinum Card® from American Express

The Platinum Card® from American Express

The Platinum Card® from American Express is a luxury travel card.

In role of The Platinum Card in the trifecta is to provide elite travel benefits along with 5X earnings on airfare purchased directly with an airline and both airline and pre-paid hotel bookings made through American Express Travel.

The card offers a very long list of travel benefits, but the benefits that stand out for the card consists of:

  • American Express Global Lounge Collection
  • Complimentary Elite Status w/ Marriott, Hilton, Avis, Hertz, and National
  • Hotel Benefits via Fine Hotel + Resorts
  • US$100 to US$300 when booking cruises via the Cruises Privileges Program
  • Platinum Concierge
  • Fantastic Purchase Insurance

Along with these benefits (and many more), The Platinum Card also offers $1,400 in annual credits. If you're able to use at least half of the credits, you'll make up for The Platinum Card's annual fee of $695 (See Rates & Fees).

Even if you ignore the annual credits, the value of the benefits offered on The Platinum Card far exceeds that of the annual fee.

Intro Bonus
Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
See if you're pre-approved for this card using the CardMatch™ tool.
Rewards Rate
10X
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.
5X
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel, on up to $500,000 per calendar year.
5X
Earn 5X Membership Rewards® Points on prepaid hotels booked on amextravel.com.
1X
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 and 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.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
  • 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
$695
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
None

American Express® Gold Card

American Express Gold Card

The American Express® Gold Card's role in the trifecta is to earn 4X Membership Rewards Points at restaurants and U.S. supermarkets.

The card also earns 3X Membership Rewards Points on airfare purchased directly with an airline, which is a solid return in the case that you omit The Platinum Card from the trifecta..

Benefits of the American Express Gold Card include $120 in annual Uber Cash and $120 in annual dining credit. Both of these benefits add significant value to the card and can easily make up for the card's annual fee.

Intro Bonus
Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
See if you're pre-approved for this card using the CardMatch™ tool.
Rewards Rates
4X
Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery.
4X
Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
3X
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
1X
Earn 1X Membership Rewards® point on all other purchases.
Main Card Highlights
  • Rose Gold is here to stay. Card members can choose between a Gold or Rose Gold Card.
  • Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
  • Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees
Annual Fee
$250
Authorized User Fee
$0 for the first five add'l cards, then $35 per card for the sixth card onward
Foreign Transaction Fee
None

The Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card is used for all card purchases that aren't covered under the bonus categories featured on The Platinum Card and the American Express Gold Card.

It earns 2 Membership Rewards Points per $1 on the first $50,000 in purchases made per year (then 1X). Instead of earnings 1X using The Platinum Card and the American Express Gold Card, you'll use the Blue Business Plus to earn the higher return.

No matter which trifecta or card combination you end up building with American Express, the Blue Business Plus is going to be the best card for miscellaneous purchases. If you can't pick up a business card (or don't want one), the American Express Everyday® Preferred Credit Card is the next best option.

Intro Bonus
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
Rewards Rate
2X
Earn 2X Membership Rewards® points on all eligible purchases on up to $50,000 per calendar year, then 1X for the remainder of the calendar year.
Main Card Highlights
  • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
  • Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • You've got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express, and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors at account opening.
  • No Annual Fee
  • Terms Apply.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
2.7%

AMEX Trifecta Point Calculator

Find out how many Membership Rewards Points you can earn with the AMEX Trifecta Point Calculator as well as the cash value of those points. Results can be compared side-by-side credit cards featured on the site to see which earns you the most rewards.

Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site, so there's no need to re-enter spend when viewing other credit cards.

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Credit Cards
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Compare A Card
Add a credit card to compare side by side based on spend, benefits and fees.
Card Selected: -
Category Spending
Change the order of the categories in the Category Spending section. This has an impact on cards that have spend limits and bonus caps on categories.
Resets all fields in the Category Spending section for all columns. Also clears all saved spend values that carry from calculator to calculator.
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:
Spend Region:
Category Spending Total
The amount of rewards earned from card spending.
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Rewards & Bonuses
Extra Value
Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.
Rewards & Bonus Total
The amount of rewards earned from card bonuses.
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Total Rewards
Grand Total
The total amount of rewards earned from the Category Spending and Rewards & Bonuses sections.
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Calculate Rewards Average Value
How much is 0 worth?
Average Value
This is how much we value the rewards earned with the card on average based on our valuations. Cards that may offer bonus/additional value are reflected here.
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Transfers To Partners
Redemptions to do with transferring rewards to partner loyalty programs and redeeming them for high value (when applicable). These redemption values typically require knowledge of the best transfer partners.
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Cash Back, Statement Credits
Redemptions to do with turning your rewards into cash back or using it as a statement credit to offset purchases made to the card.
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Travel
Redemptions to do with using your rewards towards travel such as airfare, hotels, and car rentals (not including transfers to partners).
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Gift Cards
Redemptions to do with using your rewards towards the purchase of gift cards.
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Calculate Reward Transfers To Partners
Calculate Card Cash Value
Grand Total
The total amount of rewards earned from the Category Spending and Rewards & Bonuses sections.
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Currency Worth
Enter how much you value a single rewards point or mile in cents or regional currency equivalent (X.XX). The value of cash back cannot be changed.
Rewards Cash Value
The average cash value of rewards earned in the Grand Total section based on the set Currency Worth.
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Monetary Bonuses
Extra Cash Value
Use this field to add additional cash value to the calculations.
Total Cash Value
The total cash value of all listed benefits plus the cash value of rewards earned.
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Fees
Annual Fee
This is the fee you must pay annually to have the card.
Authorized User Fee
This is the cost to add additional users or supplemental cards to the account. Enter total amount of authorized users.
#
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Total Card Value
Total Card Value
The final cash value of the credit card(s).
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AMEX Membership Rewards Points Value

Membership Rewards Points earned with the American Express credit cards are worth 1 cent each on average when redeemed for airfare through American Express Travel.

If you want to maximize your point value, transferring your points to AMEX's airline and hotel partners is the route to take. You can also redeem your points for statement credits, gift cards, and at checkout with top retailers, but these will typically give your points less than 1 cent in value.

AMEX Points Value Calculator

Enter any amount of Membership Rewards Points to see the average cash value.
Points
Airline Partners
~1.2 to 2.0+ cents
~$0 to $0+
Hotel Partners
~0.6 to 1.5+ cents
~$0 to $0+
Airfare via American Express Travel
1 cent
$0
AMEX Pay With Points At Checkout
0.7 cents
$0
Other Travel via American Express Travel
0.7 cents
$0
Cover Your Card Charges (Statement Credit)
0.6 cents
$0
Gift Cards
0.5 to 1 cent
$0 to $0
Shopping Portal
0.5 cents
$0

Check out the details on the full list of redemption options and calculate the cash value of Membership Rewards Points for all credit cards with the AMEX Membership Rewards Points Value Calculator.

AMEX Membership Rewards Points Transfer

Points earned with American Express credit cards can be transferred to 20 travel partners, with the majority of these partners having a 1:1 transfer ratio.

AMEX Transfer Partners
Transfer Partner Ratio
Aer Lingus AerClub 1,000 Points = 1,000 Avios
Aeromexico Club Premier 1,000 Points = 1,600 Premier Points
Air Canada Aeroplan 1,000 Points = 1,000 Aeroplan Points
Air France-KLM Flying Blue 1,000 Points = 1,000 Flying Blue Miles
All Nippon Airways Mileage Club 1,000 Points = 1,000 ANA Mileage Club Miles
Avianca LifeMiles 1,000 Points = 1,000 LifeMiles
British Airways Avios 1,000 Points = 1,000 Avios
Cathay Pacific Asia Miles 1,000 Points = 1,000 Asia Miles
Delta Airlines SkyMiles 1,000 Points = 1,000 Delta SkyMiles
Emirates Skywards 1,000 Points = 1,000 Skywards Miles
Etihad Guest 1,000 Points = 1,000 Etihad Guest Miles
Hawaiian Airlines HawaiianMiles 1,000 Points = 1,000 HawaiianMiles
Iberia Plus 1,000 Points = 1,000 Avios
JetBlue TrueBlue 250 Points = 200 TrueBlue Points
Qantas Frequent Flyer 500 Points = 500 Qantas Points
Singapore KrisFlyer 1,000 Points = 1,000 KrisFlyer Miles
Virgin Atlantic Flying Club 1,000 Points = 1,000 Virgin Points
Choice Privileges 1,000 Points = 1,000 Choice Points
Hilton Honors 1,000 Points = 2,000 Hilton Honors Points
Marriott Bonvoy 1,000 Points = 1,000 Marriott Bonvoy Points

Transferring your Membership Rewards Points to AMEX's travel partners is the best way to maximize your rewards as it gives you the ability to redeem your points for significantly more than 1 cent per point.

Point transfers to airline miles will typically give you the best (and easiest) results. Miles are generally worth about 1.2 to 1.4 cents each depending on the airline, so converting your points to miles at a 1:1 ratio is an easy way to increase the amount of value with very little effort.

You can obtain even more value when you redeem your points for first class, business class, and international flights. With the right redemptions, you can easily get 2 cents or more per point.

Hotel rewards points are generally worth less than airline miles, but most hotel loyalty programs have at least a few sweet spots in which you can redeem your points for more than 1 cent each.

AMEX Points Transfer Calculator

Use the point transfer calculator to calculate the conversion of Membership Rewards Points to airline miles and hotel points with AMEX's travel partners.

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Maximize Membership Rewards Points With Rakuten

If you frequently makes purchases online and you're looking to earn more Membership Rewards Points, you should consider using Rakuten Rewards.

Rakuten is an online shopping portal that pays you for shopping online. Basically, they run a website full of affiliate links to different retailers and pay you, the user, some of their commission when you make an online purchase using those links.

The best thing about Rakuten is that they are partnered with American Express Membership Rewards. So instead of earning cash back on your purchases, you can opt in to earn Membership Rewards Points.

So if Rakuten is offering 10% cash back with a certain retailer, you'll be able to earn 10X Membership Rewards Points. Sounds amazing, right? That's because it is.

I've been using Rakuten Rewards as my main online cash back shopping portal since the start of 2017. Once the ability to earn Membership Rewards Points became available, I never looked back.

I use the portal for all of my personal and business online purchases... from buying gifts to booking travel. Since Rakuten uses affiliate links, you're always dropped off on the retailers website. So you're not booking or buying through a third party.

For example, if I click on the Marriott affiliate link on the Rakuten website, it's going to take me to Marriott.com. I can then book my travel as normal and Marriott will notify Rakuten that I have done such. So I still get to earn my Marriott Bonvoy Points from my Marriott booking as well as earn additional Membership Rewards Points based on what Rakuten is offering for Marriott.

You can sign up for Rakuten Rewards for free through our affiliate link and earn bonus Membership Rewards Points (or cash back) on your first purchase. If you're looking to get the most out of the Membership Rewards program, you don't want to ignore this program.

If Rakuten doesn't offer an affiliate link for the retailer you're shopping with, there's many other online shopping portals available. My backup to Rakuten is usually TopCashback or TopCashback.co.uk (to earn British Airways Avios on purchases).

Check out our reviews on all of the popular online shopping portals.

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