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Roaming Cactus

Checked Oct 28, 2026.

Amex Platinum fee and points calculator

By Joe

The annual fee is $895. Check a credit only if you would use it, then enter the spend you expect. Points are valued at 1.3 cents, the smaller of the valuation file and the publisher check. American Express card page. Checked Oct 28, 2026.

The issuer page does not state a portal, cash, or gift-card cents-per-point value. This calculator does not show one.

American Express transfer ratios are not on the Platinum card page we could open. This calculator does not show ratios.

Annual fee and points

Leave a credit unchecked and it counts as zero. Leave a credit amount blank and the calculator uses the printed maximum. One-time offers are not in the total.

Result for Amex Platinum

Checked Oct 28, 2026.

Annual fee
$895
Add-on fees
$0
Credits you marked
$0
Points
0
Point value at 1.3 cents
$0
Net annual cost
$895

With nothing checked, the net annual cost is the $895 annual fee.

Add-on fees

$195 for each additional Platinum card. A companion Platinum card is $0. Source. Checked Oct 28, 2026.

Credits you would use

Leave the amount blank to count the printed maximum. Type a lower number if you would use less.

Up to $600 a year, up to $300 semiannually. Hotel Collection stays have a two-night minimum. Source. Checked Oct 28, 2026.

$200 a year: $15 a month plus a $20 bonus in December. Source. Checked Oct 28, 2026.

$120 a calendar year. Source. Checked Oct 28, 2026.

$200 a calendar year on one selected airline. Source. Checked Oct 28, 2026.

$219 a calendar year. Source. Checked Oct 28, 2026.

Up to $400 a year, up to $100 a quarter. Enrollment required. Source. Checked Oct 28, 2026.

Up to $300 a year, up to $25 a month. Enrollment required. Source. Checked Oct 28, 2026.

Up to $300 a year, up to $75 a quarter. Enrollment required. Source. Checked Oct 28, 2026.

$155 a year, up to $12.95 a month plus tax. The tax is not a stated dollar amount, so it is not added. Source. Checked Oct 28, 2026.

$200. Source. Checked Oct 28, 2026.

10% back on concessions, up to $250 a calendar year. Blank uses the $250 cap, which is the printed maximum, not a flat statement credit. Source. Checked Oct 28, 2026.

Spend you expect this year

5X up to $500,000 in a calendar year. The page does not state a rate above that amount, so spend above it is not scored. Source. Checked Oct 28, 2026.

5X on prepaid hotels booked through Amex Travel. Source. Checked Oct 28, 2026.

1X on other purchases. Source. Checked Oct 28, 2026.

Optional. A one-time bonus is not added unless you type the points here.

Point value used on this page

The valuation file lists 1.5 cents. The publisher check is 1.3 cents. This page uses 1.3 cents, the smaller figure. The publisher check for Membership Rewards is the smallest of The Points Guy 2.0, AwardWallet 2.04, Frequent Miler RRV 1.5, NerdWallet 1.3. The smallest of those four is NerdWallet. Checked Oct 28, 2026.

Valuation file for Amex Membership Rewards: 1.5 cents, last checked 2026-10-17. That figure is the smallest of the sources stored in the file.

Publisher check, Checked Oct 28, 2026. The smallest figure is NerdWallet.

The same valuation file feeds the monthly points valuations. A redemption that is not this card's earn rate belongs in the points value calculator.

Figures and sources

Every row below is a verified or changed figure. Checked Oct 28, 2026.

Amex Platinum figures. Checked Oct 28, 2026.
ItemValueSourceChecked
Annual fee Annual fee $895. Issuer or publisher page Oct 28, 2026
Additional Platinum cards $195 for each additional Platinum card. A companion Platinum card is $0. Issuer or publisher page Oct 28, 2026
Flights booked direct or through Amex Travel 5X up to $500,000 in a calendar year. The page does not state a rate above that amount, so spend above it is not scored. Issuer or publisher page Oct 28, 2026
Prepaid hotels through Amex Travel 5X on prepaid hotels booked through Amex Travel. Issuer or publisher page Oct 28, 2026
Other purchases 1X on other purchases. Issuer or publisher page Oct 28, 2026
Hotel credit (FHR or Hotel Collection) Up to $600 a year, up to $300 semiannually. Hotel Collection stays have a two-night minimum. Issuer or publisher page Oct 28, 2026
Uber Cash $200 a year: $15 a month plus a $20 bonus in December. Issuer or publisher page Oct 28, 2026
Uber One credit $120 a calendar year. Issuer or publisher page Oct 28, 2026
Airline fee credit $200 a calendar year on one selected airline. Issuer or publisher page Oct 28, 2026
CLEAR+ credit $219 a calendar year. Issuer or publisher page Oct 28, 2026
Resy credit Up to $400 a year, up to $100 a quarter. Enrollment required. Issuer or publisher page Oct 28, 2026
Digital Entertainment credit Up to $300 a year, up to $25 a month. Enrollment required. Issuer or publisher page Oct 28, 2026
lululemon credit Up to $300 a year, up to $75 a quarter. Enrollment required. Issuer or publisher page Oct 28, 2026
Walmart+ credit $155 a year, up to $12.95 a month plus tax. The tax is not a stated dollar amount, so it is not added. Issuer or publisher page Oct 28, 2026
Oura Ring credit $200. Issuer or publisher page Oct 28, 2026
Venue Collection 10% back on concessions, up to $250 a calendar year. Blank uses the $250 cap, which is the printed maximum, not a flat statement credit. Issuer or publisher page Oct 28, 2026
Global Entry or TSA PreCheck $120 for Global Entry every four years, or up to $85 for TSA PreCheck. It is not subtracted every year. Issuer or publisher page Oct 28, 2026
Companion Platinum card $0. The additional Platinum card fee above is separate. Issuer or publisher page Oct 28, 2026
Membership Rewards value, The Points Guy 2.0 cents Issuer or publisher page Oct 28, 2026
Membership Rewards value, AwardWallet 2.04 cents Issuer or publisher page Oct 28, 2026
Membership Rewards value, Frequent Miler RRV 1.5 cents Issuer or publisher page Oct 28, 2026
Membership Rewards value, NerdWallet 1.3 cents Issuer or publisher page Oct 28, 2026

Notes from the issuer page

  • Fine Hotels + Resorts has a two-night minimum for the hotel credit starting January 1, 2027. The Hotel Collection already has a two-night minimum.

Shown, not subtracted every year

These figures are on the issuer page. A four-year credit, a per-stay credit with no annual cap, a one-time offer, or a benefit with no dollar amount stays out of the yearly total.

  • Global Entry or TSA PreCheck. $120 for Global Entry every four years, or up to $85 for TSA PreCheck. It is not subtracted every year. Source. Checked Oct 28, 2026.
  • Companion Platinum card. $0. The additional Platinum card fee above is separate. Source. Checked Oct 28, 2026.

Left off this page

  • Membership Rewards transfer partner list and ratios. Not on the issuer page we could open. Ratios are not shown.
  • Excise-tax offset on transfers to U.S. airlines. The issuer PDF could not be opened. No offset amount is shown.
  • Portal, cash, and gift-card cents per point. No issuer page states them.

Questions

How does the Amex Platinum annual-fee calculator work?

Net annual cost starts at the $895 annual fee. Add-on fees you enter are added. Credits you check are subtracted. Points from the spend you enter are valued at 1.3 cents and subtracted. A credit you leave unchecked counts as zero. One-time offers are not subtracted.

What point value does this page use for Membership Rewards?

The valuation file lists 1.5 cents. The publisher check is 1.3 cents. This page uses 1.3 cents, the smaller figure. The publisher check for Membership Rewards is the smallest of The Points Guy 2.0, AwardWallet 2.04, Frequent Miler RRV 1.5, NerdWallet 1.3. The smallest of those four is NerdWallet. Checked Oct 28, 2026.

Why do some benefits stay out of the annual total?

A benefit stays out when the issuer does not state a yearly dollar amount, when it is paid every four years, or when it is a one-time offer. Counting those as a full yearly credit would invent a figure.

What is left off this page on purpose?

The issuer page does not state a portal, cash, or gift-card cents-per-point value. This calculator does not show one. American Express transfer ratios are not on the Platinum card page we could open. This calculator does not show ratios. Membership Rewards transfer partner list and ratios: Not on the issuer page we could open. Ratios are not shown. Excise-tax offset on transfers to U.S. airlines: The issuer PDF could not be opened. No offset amount is shown. Portal, cash, and gift-card cents per point: No issuer page states them.