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American Express Platinum Card

$895/yr annual fee

AmEx Membership Rewards aren't cash back — value depends on how you redeem them. Drag to match how you plan to use your points.

1.0¢ / pt
0.6¢
Statement credit
1.0¢
Portal flights
2.5¢
Transfer partners

Are you opening the card or thinking about closing it? Each situation has its own bonus — but you only get one. 😏

Current offer: varies; typically 80,000+ points
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Enter your estimated annual spend in each bonus category.

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Drag each slider to reflect how much of the credit you'd realistically use per year.

AmEx Global Lounge Collection
$0($50/visit)

Includes Centurion Lounges, Priority Pass, Delta Sky Club (on Delta flights), and more. Each visit is worth ~$50. Enter the number of airport lounge visits you expect per year.

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Uber Cash
$/ $200 max

$15/month + $20 in December, deposited as Uber Cash in your Uber account for rides & Eats.

Ease of use4/5

Must link your Amex Platinum to your Uber account first. Monthly deposits do not roll over — unused Uber Cash expires at the end of each calendar month.

Airline Fee Credit
$/ $200 max

Select one airline at the start of the year. Covers checked bags, in-flight refreshments, and other incidental fees — not ticket purchases.

Ease of use2/5

Must designate one airline at card opening or each January. Covers incidentals only — not ticket purchases. Has become harder to use as airlines reduce fee-generating services.

Hotel Credit
$/ $600 max

2× $300 semi-annual credits (Jan–Jun & Jul–Dec) for 2+ night stays via The Hotel Collection, or any stay at Fine Hotels & Resorts.

Ease of use3/5

Only valid via AmexTravel.com — The Hotel Collection requires a minimum 2-night stay; Fine Hotels & Resorts has no minimum. Each $300 semi-annual window does not roll over.

Digital Entertainment Credit
$/ $300 max

$30/month back on select subscriptions: Peacock, Disney+, Hulu, ESPN+, WSJ, NYT, YouTube Premium, YouTube TV, Paramount+.

Ease of use4/5

Limited to the listed services only. Subscription must be billed directly to the Platinum Card — bundle charges through a third-party carrier may not qualify.

Equinox & SoulCycle Credit
$/ $300 max

$300/yr toward Equinox+ subscription or club membership. Or buy a SoulCycle bike and get $300 back as a statement credit.

Ease of use2/5

Only covers Equinox+ digital (~$40/mo) or a physical club membership — requires a nearby Equinox location. SoulCycle applies to bike hardware purchases only, not class credits or the app subscription.

Saks 5th Avenue Credit
$/ $100 max

⚠️ This credit is no longer available to new cardholders. Existing cardholders have until June 30, 2026 to use the Jan–Jun $50 credit — the Jul–Dec window will not return. Amex has confirmed the benefit will not be renewed for the second half of 2026 or beyond.

Ease of use3/5

Credit discontinued. Existing cardholders: use your remaining $50 balance before June 30, 2026 at Saks Fifth Avenue (in-store or saks.com). Off Fifth outlet stores and gift card purchases are excluded and do not qualify.

Walmart+ Membership
$/ $155 max

$12.95/month reimbursed when you pay with your card. Includes free grocery delivery, free Walmart.com shipping, and Paramount+ (ad-supported). Pro tip: use your Digital Entertainment credit for something else.

Ease of use4/5

Must pay for Walmart+ directly with your Platinum Card each month. The included Paramount+ (with ads) overlaps with the Digital Entertainment credit — pick a different service for that credit to avoid double-counting.

CLEAR Plus Membership
$/ $209 max

$209/yr credit for a CLEAR+ membership. Skips the ID verification lane at airports and stadiums — at certain busy airports it genuinely makes or breaks your security experience, though at most it's a nice-to-have. Military discount brings the cost down to $119.

Ease of use4/5

CLEAR+ is only available at select airports and stadiums — at high-traffic hubs (e.g. ATL, LAX, DEN) the time savings are significant; at smaller airports the benefit is minimal. Military members qualify for a reduced rate ($119); the credit covers up to $209.

Global Entry / TSA PreCheck
$/ $120 max

$120 for Global Entry ($120) or TSA PreCheck (~$85). Usable once every 4.5 years — enter the full credit if you plan to use it, or $0 if you recently renewed.

Ease of use4/5

Credit applies once every 4.5 years (5-year membership, renewable 6 months early). Can be applied to a companion or family member's application.

Uber One Credit
$/ $120 max

Monthly Uber One membership fee (~$9.99/month) reimbursed as a statement credit when paid with your card.

Ease of use4/5

Uber One must be active and billed to the Platinum Card monthly. This is separate from the Uber Cash credit — both can be active at the same time.

Resy Credit
$/ $400 max

$100/quarter ($400/yr) at restaurants listed on Resy.

Ease of use3/5

$100/quarter at Resy-listed restaurants only; quarters do not roll over. Restaurant availability is strong in major cities but limited in smaller markets.

Oura Ring Credit
$/ $200 max

$200/yr on Oura Ring purchases directly from Oura using the Platinum Card. Does not apply to subscriptions.

Ease of use2/5

Only applies to Oura Ring hardware purchased from Oura.com — not Amazon or other retailers. Does not cover the monthly Oura membership subscription (~$6/mo). Only useful if you actually want an Oura Ring.

Lululemon Credit
$/ $300 max

$75/quarter at Lululemon stores (excluding Outlets). Quarters: Jan–Mar, Apr–Jun, Jul–Sep, Oct–Dec. Note: as of March 2026, Lululemon closed the gift card loophole — gift cards are now only sold in $50 increments, making it harder to use the credit exactly.

Ease of use3/5

$75/quarter at full-price Lululemon stores and Lululemon.com. Outlet locations are excluded. Quarterly portions do not roll over. Gift cards, previously useful for hitting the exact $75, are now only available in $50 increments (change effective March 2026).

Optional — enter a dollar value for any protection or status benefits you'd use.

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Your breakdown
Points (0 pts @ 1.0¢)$0.00
Credits$0.00
Total value$0.00
Annual fee−$895
Net value$-895.00
✗ May not be worth it
You need $895.00 more in value to break even.
Thinking about closing it? Use the cancel or downgrade decision tree →
Credits: your value vs max
Uber Cash
$0
Airline
$0
Hotel
$0
Digital
$0
Equinox
$0
Saks
$0
Walmart+
$0
CLEAR+
$0
G. Entry
$0
Uber One
$0
Resy
$0
Oura
$0
Lulu
$0
■ Your value■ Max

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