American Express Platinum Card Points Calculator

Earn 80,000 Membership Rewards® points after you spend $8,000 on purchases on the Card in your first 6 months of Card Membership.

• Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card®. And if you fly, you can receive up to $200 in statement credits per calendar year after you select a qualifying airline and incidental fees are charged by the airline to your Platinum Card®.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal. Enrollment required.
• $155 Walmart+ Credit: Use your Platinum Card® to pay for a monthly Walmart+ membership (subject to auto-renewal) and receive a statement credit that covers the full cost each month. $12.95 plus applicable taxes. Plus Up Benefits not eligible.
• As a Platinum cardholder, you and all authorized users with a Platinum card will have access to 1,300+ airport lounges in over 500 airports around the world and 140 countries. This includes Centurion Lounges, Delta SkyClub Lounges (when flying Delta), Airspace Lounges, Escape Lounges, and Priority Pass Lounges. Enrollment Required
• $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select 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 is available to Basic Card Member only.
• $300 Equinox Credit: Get up to $300 back per calendar year on an Equinox+ subscription, or any Equinox club memberships when you pay with your Platinum Card®. Enrollment required.
• $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. Must charge full price of bike in one transaction, and an Equinox+ subscription is required.
• $189 CLEAR® Plus Credit: Breeze through security with CLEAR® Plus at 45+ airports nationwide and get up to $189 back per year on your membership (subject to auto-renewal) when you use your Platinum Card®.
• Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com using the Platinum Card. Enrollment required.
• Receive either a statement credit available every 4 years after you apply for Global Entry ($100) or a statement credit available every 4.5 years after you apply for a five-year membership through any Authorized Enrollment Provider for TSA PreCheck ($85).
• You'll be able to upgrade to Marriott Bonvoy Gold Elite Status without meeting any stay requirements. Enrollment required.
• You'll be able to upgrade to Hilton Honors Gold Status without meeting any stay requirements. Enrollment required.
• As a Platinum Card member, you'll have access to book through Fine Hotels + Resorts with American Express Travel. When booking an eligible stay, you will receive a room upgrade upon arrival (when available), daily breakfast for two people, guaranteed 4pm late checkout, noon check-in (when available), complimentary Wi-Fi, and an experience credit valued at US$100.
• As a Platinum Card member, you'll have access to book through The Hotel Collection with American Express Travel. When booking at least a two consecutive night stay you will receive a $100 hotel credit and room upgrade upon arrival (when available).

Membership Rewards Points earned with the American Express Platinum Card are worth 1 cent each 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.

Learn More: AMEX Points Value Calculator

Points earned with the Platinum Card can be transferred to 20 travel partners, with the majority of these partners having a 1:1 transfer ratio.

Learn More: AMEX Transfer Partners & Conversion Calculator

The Platinum Card has an annual fee of $695. This is easily offset by the thousands of dollars in value the card offers between annual credits, lounge access, complimentary elite status, and much more.

Additional Cardholders

Additional Platinum Card users can be added for $195 per card, per year.

This is a big change from the previous cost of Authorized users which was $175 total for up to 3 additional Platinum Cards and $175 for each additional Platinum Card after the first three. This fee increased August 17, 2023.

Here's a few of the main benefits that Authorized users have access to:

• Their own lounge access: Centurion Lounges, Delta Sky Club Lounges (when flying Delta), Airspace Lounges, Escape Lounges, and Priority Pass Lounges.
• Complimentary status: Marriott Bonvoy Gold, Hilton Honors Gold, National Emerald Club Executive status, Hertz Gold Plus Rewards President’s Circle status, and Avis Preferred Plus status.
• Up to $100 towards Global Entry or TSA PreCheck for each authorized card. Do note this credit is available every 4.5 years.
• Access to book stays through Fine Hotels & Resorts and The Hotel Collection.
• Access to the Cruises Privileges Program.
• Ability to book flights using the International Airline Program.

Whether or not this is worth it will depend on how much you travel and can make use of the lounge access and complementary elite status.

Outside of earning Membership Rewards points using AMEX, there's only one other way to earn additional points and that's Rakuten Rewards.

Rakuten Rewards

American Express Membership Rewards credit card holders can earn additional Membership Rewards points by using the Rakuten Rewards program which is a free-to-use online cash back portal that pays you to shop online.

The Rakuten website features thousands of retailer affiliate links and when you click on these links to make a purchase, Rakuten receives a commission. They then pay you, the user, some of that commission which is why it's no cost to use their portal.

Rakuten normally offers cash back rewards, but Membership Rewards credit card holders can opt in to receive Membership Rewards points instead. When receiving points, the rewards ratio is 1-to-1 meaning that 1% back is equal to 1X Membership Rewards points.

So if Rakuten is offering 10% cash back with a certain retailer (which they do often), this means 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 shopping portal since the start of 2017. Once the ability to earn Membership Rewards Points became available, I never looked back.

You can sign up for Rakuten Rewards using 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.

Sign Up For Rakuten Rewards

Want to know how The Platinum Card earning rates stack up against other Membership Rewards credit cards? The table below lists out the earning rates per $1 spent for all credit card partners so you can see where it stands.