Is the American Express Platinum Card worth it for you?
Drag in your real annual spend. I'll do the points math the bank won't — earn rates, your credits, and how you redeem — then tell you if the fee pays for itself.
Are you opening the card or thinking about closing it? Each situation has its own bonus — but you only get one.
Enter your estimated annual spend in each bonus category.
Drag each slider to reflect how much of the credit you'd realistically use per year.
Ease of use4/5See why we rated it this way →
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.
Ease of use2/5See why we rated it this way →
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.
Ease of use3/5See why we rated it this way →
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.
Ease of use4/5See why we rated it this way →
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.
Ease of use2/5See why we rated it this way →
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.
Ease of use3/5See why we rated it this way →
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.
Ease of use4/5See why we rated it this way →
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.
Ease of use4/5See why we rated it this way →
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.
Ease of use4/5See why we rated it this way →
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.
Ease of use4/5See why we rated it this way →
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.
Ease of use3/5See why we rated it this way →
$100/quarter at Resy-listed restaurants only; quarters do not roll over. Restaurant availability is strong in major cities but limited in smaller markets.
Ease of use2/5See why we rated it this way →
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.
Ease of use3/5See why we rated it this way →
$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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