Start with the inputs below
Move the sliders to match how you'd actually use the card. The numbers update in real time, and we'll tell you what they mean.
Where the value comes from
$895 annual fee
Welcome bonus
The biggest line item in Year 1. Worth nothing if you can't hit $12,000 in spend over six months.
175,000 points after $12,000 spend Year 1 only
$3,500
Will you hit $12,000 in spend over six months?
That's $2,000/month, a higher bar than most cards. Achievable if you have planned purchases, a business expense, or a trip. If you can't hit it, the Year 1 math changes significantly. Welcome offers vary, and you may not be eligible if you've had this card before.
Yes, I can hit the spend
Point valuation
¢/pt
Use your real number: what you actually get today, not the theoretical ceiling. Redeeming for cash back or statement credits? You're probably around 0.6–1¢. Transfer partners can push this to 2¢+. Improving this number is something I help with. Book a free call.
Statement credits
The Platinum has more credits than almost any card on the market. But "up to" only counts if you'd actually use it. Sliders default to honest estimates; adjust them to match your life.
Travel & hotel credits
$0
$600 FHR / Hotel Collection credit / $600
$240
$300 semi-annually on prepaid FHR or Hotel Collection stays through Amex Travel (Hotel Collection requires two nights). FHR perks (breakfast and a $100 property credit) stack on top.
$200 airline incidental fee credit / $200
$120
Covers incidentals (checked bags, seat upgrades, in-flight purchases) at one airline you choose each year, not airfare itself. Works best if you consistently fly one carrier.
$209 CLEAR+ credit full value
$209
Covers the full CLEAR+ annual membership: biometric lane at most major airports, straight past the document check. Worth full value if you fly a few times a year.
Yes, I'll use CLEAR+ (count $209)
Global Entry / TSA PreCheck $30/yr amortized
$30
$120 credit for Global Entry every four years, averaged to $30/year. Global Entry includes TSA PreCheck automatically.
Yes, I'll use this (count $30/year)
Dining & Uber credits
$0
$400 Resy dining credit / $400
$320
$100 per quarter at eligible U.S. Resy restaurants. No reservation needed, just pay with your Platinum. Find eligible restaurants near you →
$200 Uber Cash / $200
$140
$15/month automatically, plus a bonus $20 in December, valid on Uber rides and Uber Eats. Add your Platinum to the Uber app and it applies itself. One of the easiest credits on the card.
$120 Uber One membership full coverage
$120
Covers the $9.99/month Uber One membership. Only counts if you'd actually pay for it; skip if you rarely use Uber or Uber Eats.
Yes, I use Uber One (count $120)
Shopping & wellness credits
$0
$300 Digital Entertainment / $300
$240
$25/month toward Disney+, Hulu, ESPN+, Peacock, Paramount+, YouTube Premium, YouTube TV, NYT, or WSJ. If you already subscribe to any of these, this is easy money. Enrollment required.
$300 Lululemon credit / $300
$90
$75 per quarter at Lululemon U.S. stores (excluding outlets) and online. If Lululemon isn't already in your rotation, this might be reason enough to start.
$155 Walmart+ membership / $155
$62
Covers the $12.95/month Walmart+ membership, which includes free delivery, fuel discounts, and a Paramount+ subscription. Decent value if you shop at Walmart at all.
$200 Oura Ring credit / $200
$0
Hardware only; covers most of an Oura Ring 4 (~$299). Skip if you already own one or have no interest in wearable health tracking.
$300 Equinox credit / $300
$0
For Equinox gym memberships or the Equinox+ app (~$40/month). Set to 0 unless you're already an Equinox member.
Lounge access & status
$0
Centurion + Priority Pass access / visit
$300
Access to 1,700+ lounges worldwide: Centurion, Delta Sky Club (when flying Delta), Priority Pass, and more. Two guests free with Priority Pass; Centurion guest access requires $75K spend. Valued at $75/visit for food, drinks, and the quiet.
Hilton Honors Gold status / $100 estimate
$0
Complimentary Hilton Gold: room upgrades when available, bonus points, and free breakfast at select properties. Worth it if you stay at Hilton a few times a year.
I stay at Hilton sometimes (count $100)
Marriott Bonvoy Gold status / $75 estimate
$0
Complimentary Marriott Bonvoy Gold: late checkout, bonus points, and priority for upgrades. More modest than Hilton Gold, but still useful if you stay Marriott regularly.
I stay at Marriott sometimes (count $75)
Travel protections value
$75
Trip delay, trip cancellation, and purchase protection. Hard to price until you need it; we use $75/year as a conservative average.
Count $75/year for travel protections
Points you'll earn
The Platinum earns big on flights and Amex Travel hotels, but just 1x on everything else. Most cardholders pair it with the Amex Gold for dining and groceries.
Annual spend on this card
$0
Flights & Amex Travel hotels 5x points
$0
5x on airfare booked directly with airlines or through Amex Travel (up to $500,000/year). Also 5x on prepaid hotels booked through Amex Travel. This is where the Platinum earns. Put your flight spend here.
Everything else on this card 1x points
$0
1x on all other purchases. Be honest about how much you'll actually put here. Most savvy cardholders route groceries, dining, and general spend to other cards that earn more.
As you can see, credit cards can be much more valuable than people realize.
The calculator shows the ceiling. Whether you actually hit it depends on which cards you hold, how you redeem, and whether your setup matches your travel goals.
A free 30-minute call is more than enough time to figure out if the Platinum is the right move, and find the points you're leaving on the table right now.