AMEX Trifecta Value & Points Calculator

AMEX Trifecta

The most popular AMEX Trifecta consists of The Platinum Card® from American Express, American Express® Gold Card, and The Blue Business® Plus Credit Card from American Express. If you're big on travel, you're looking to maximize your rewards, and you want a long list of luxury travel benefits, this is a combination worth looking into.

The Trifecta

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.

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.

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.

The Blue Business® Plus Credit Card

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.

AMEX Points 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.

If you want to build your own trifecta (or any other card combination), use the Credit Card Comparison Tool.

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