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Use our Best Rewards Credit Card Finder Tool to find the highest credit card offers and to calculate which credit cards will earn you the most rewards based on the monthly and yearly spend amounts you enter.
Use our Best Rewards Credit Card Finder Tool to find the highest business credit card offers and to calculate which credit cards will earn you the most rewards based on the monthly and yearly expenses you enter.
Calculate the transfer of points and miles between various loyalty programs worldwide and find out which credit card partners will earn you the most rewards.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
This card is not available through The Point Calculator.
Earning Rates
Earn 5X points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
Earn 5X points on prepaid hotels booked with American Express Travel.
Earn 1X points on all other purchases.
Intro Bonus
Main Benefits
Over $1,400 in annual credits, complimentary global lounge access to 1,300+ airport lounges, complimentary status with Marriott Bonvoy and Hilton Honors, access to Fine Hotels & Resorts and The Hotel Collection, and travel coverage.
If you're a frequent traveler, The Platinum Card® from American Express might be worth considering. This luxury travel credit card offers a range of benefits, including high rewards on airfare and select travel purchases, over $1,400 in annual credits, access to exclusive airport lounges worldwide, complimentary elite status with hotels and car rental agencies, and many other luxury perks. While the annual fee is high, the benefits may outweigh the cost for those who travel frequently.
The Platinum Card earns Membership Rewards points at the following rates:
5 points per $1 spent on flights booked directly with airlines or through American Express Travel®, on up to $500,000 on these purchases per calendar year.
5 points per $1 spent on prepaid hotels booked on AmexTravel.com.
1 point per $1 spent on all other card purchases.
Rewards Value
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Perks & Benefits
Here are the main benefits of The Platinum Card:
$200 Hotel Credit: Get up to $200 back in statement credits each year on select prepaid hotel bookings through American Express Travel using the Platinum Card.
$240 Digital Entertainment Credit: Get up to $20 in statement credits each month after you pay for eligible purchases with the Platinum Card® at participating partners. Enrollment required.
$200 Uber Cash: Platinum Card Members can get $15 in Uber Cash for US rides each month, plus a bonus $20 in December. This can also be used for UberEats.
$200 Airline Fee Credit: Get up to $200 per calendar year in statement credits after incidental fees are charged by your one selected, qualifying airline to your Card.
$189 CLEAR® Plus Credit: Use your Card to cover cost of a CLEAR Plus Membership, excluding any applicable taxes and fees, and get up to $189 back in statement credits per calendar year.
$155 Walmart+ Credit: Get up to a $12.95 statement credit back each month after you pay for a monthly Walmart+ membership.
$100 Saks Fifth Credit: Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on your Platinum Card. That's up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. Enrollment required.
The Global Lounge Collection: Enjoy complimentary access to over 1,400 airport lounges globally, including The Centurion® Lounge, Escape Lounges - The Centurion® Studio Partner, Delta Sky Club® when flying Delta, Lufthansa Lounges when flying Lufthansa Group, Plaza Premium, Priority Pass™ Select Lounges, & Additional Global Lounge Collection Partner Lounges.
Fine Hotels & Resorts: When you book through American Express Travel, you’ll receive a suite of benefits with an average total value of $600 in perks, like daily breakfast for two, 4pm check-out, and more.
Marriott Bonvoy Status: As a Business Platinum Card Member, you can upgrade to Marriott Bonvoy® Gold Elite status without meeting any stay requirements. Enrollment required.
Hilton Honors Status: With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio and earn reward stays faster with Hilton Honors Bonus Points. Enrollment required.
Global Entry or TSA PreCheck® Credit: Receive up to a $100 statement credit when you use your Card to pay for a Global Entry or TSA PreCheck application fee.
And Much More: Car Rental Privileges with Hertz, Avis, and National, Cruise Privileges Program, Global Dining Access by Resy, International Airline Program, Platinum Destinations® Vacations, and The Hotel Collection Program.
Travel & Purchase Coverage*: Trip Cancellation Insurance, Trip Interruption Insurance, Trip Delay Insurance, Car Rental Loss and Damage Insurance, Baggage Insurance Plan, Cell Phone Protection, Purchase Protection, and Extended Warranty.
*Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
It's a hefty fee, but the card features over $1,400 in annual credits. If you travel, even if only a few times per year, it should be relatively easy to use at least half of them which will cover the annual fee.
In my opinion, the lounge access alone is easily worth the fee, especially if you travel and frequent airports that have lounges. The purchase insurance is also top-notch and can make it well worth having if you're making any big purchases with the card.
Authorized User Fee
The annual fee for each Additional Platinum Card is $195.
If you have family or friends that travel often, this price tag is a steal. Additional Platinum cardholders receive access to all lounges in The Global Lounge Collection, their own $100 statement credit towards a Global Entry or TSA PreCheck application fee, complimentary hotel elite status and rental car privileges, access to Fine Hotels & Resorts and The Hotel Collection, and much more.
Foreign Transaction Fee
The Platinum Card has a 0% foreign transaction fee. That means you can use this card to make purchases outside of the United States. You will not earn lots of points with this card, but it's still nice to be able to avoid the fee and rely on it for international shopping and travel.
AMEX Platinum Points Calculator
Use the AMEX Platinum Points Calculator to determine how many points you can earn based on the monthly or yearly spending amounts you enter.
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Credit Cards
Use this section to add credit cards to the calculator. You can search for a card or go through our top recommendations for each category.
Once you select a card, you'll be shown the details of the card. Any link you click on in the details will open up in a new tab, so you will not lose your calculations.
Clicking on Add Selected Card will add it to the calculator.
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Compare A Card
Add a credit card to compare side by side based on spend, benefits and fees.
Search Cards
Search for a credit card by name, rewards program, or the rewards currency it earns.
Search Results Display Here
Family Cards
These cards are part of the same family and generally earn the same type of rewards.
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Travel Cards
Travel credit cards are great for building rewards redeemable towards a wide variety of travel including airfare, hotels, car rentals, cruises, and more. Most travel cards also offer a range of benefits that can make your trips more enjoyable and save you money.
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Cash Back Cards
Cash back is one of the most flexible form of rewards and most easy to understand. Rewards earned are worth face value and they can be used towards almost anything.
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Business Cards
Put money back into your business by earning cash back, points, or miles on business expenses. Many cards also offer travel insurance, purchase protection, and more.
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Airline Cards
These are the best credit cards if you're looking to use rewards towards award flights. Some of these cards also offer various benefits such as lounge access the ability to earn qualifying miles through spending.
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Hotel Cards
If you're looking to use rewards towards free nights at hotels, these are the best cards for you. Many of these cards also offer great benefits such as annual free nights, complimentary elite status, and more.
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No Annual Fee
If you're looking to minimize your immediate costs while still earning plenty of value, you may want to consider a credit card with no annual fee. Some of these cards also offer lower interest rates and balance transfer offers.
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Intro Bonus:
Annual Fee:
Authorized User Fee:
Bonus Categories:
Loyalty & Memberships
Loyalty: When adding hotel rewards cards (and a select few others) you'll be able to factor in the points earned from elite status. If a card offers complimentary status, the proper status will be selected by default.
Loyalty is reflected by a blue LOY image. Adding a card with loyalty attached to it will add it to the calculator. It becomes its own entity once added to the calculator and can be removed independent of the card that added it.
Membership: If a card offers any kind of bonus rewards based on your membership in a program, the option will be listed here. Do note that some options calculate automatically.
Welcome Bonus: Any welcome bonuses that changes the earning rates of a card will also be listed here. This allows you to toggle the bonus on or off.
Use this section to enter how much you plan on spending either monthly or yearly across different categories for each card listed.
You can click on the option button for access to a lot of useful tools you can use to quickly adjust spending for the calculator.
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
If a card earns bonus points, miles, or cash back, it will be listed here. You'll be able to edit or toggle on/off most bonuses listed here.
Do note that some bonuses may be automatically calculated based on spend entered in the Category Spending section.
If you want to factor in an intro or welcome bonus, you can also do that here by entering it in the Extra Value field. You can click on View Offers when applicable to see current sign up bonuses for all top credit cards by category.
Extra Value
Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.
Extra Value
Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.
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 & Cash Value
This is the total of all points, miles, and cash back earned between Loyalty & Memberships, Category Spending, and Rewards & Bonuses.
You can view the average value of the rewards based on popular redemptions and the transfer of rewards to partners (where applicable).
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.
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
This section lists all monetary bonuses. This includes annual credits and top-tier benefits that can offer great monetary value.
If there's a perk or benefit missing that you find valuable, you can add how much you value it in the Extra Cash Value field.
Extra Cash Value
Use this field to add additional cash value to the calculations.
Extra Cash Value
Use this field to add additional cash value to the calculations.
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
With great benefits comes great annual fees. If a card has a fee that you have to pay annually (or monthly in rare cases), it will be listed here. You have the ability to change it.
If the card charges a fee for adding authorized users, it will also appear in this section.
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
This is the total cash value of each listed card when factoring in all rewards and all fees.
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Learn More
Learn more about the card through our partners.
Our Top Credit Card Picks
We've run the calculations and checked them twice — here are the credit cards that consistently provide outstanding value to our users:
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