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Roaming Cactus

Updated

Is this card worth it?

By Joe

Net annual cost is the annual fee minus only the credits you would actually use. Every credit starts unchecked, so the first number you see is the full fee. The amounts were read from the issuer's own pages on October 3, 2026, and each credit links to the page it came from.

This page does not have apply buttons or affiliate links to these cards. Card issuers set the fees and the credits, and they can change them. The advertising disclosure for the site is in the footer. More card guides are in the credit cards hub.

How to read this

Face value is the maximum printed by the issuer. Real value is what you would have spent anyway, or the cash that actually posts. A $300 dining credit is not worth $300 if you would not eat at those restaurants, and a monthly credit is not worth twelve months if you skip some months.

Check a credit only if you would use it. Leave the dollar box blank to count the printed maximum, or type a lower amount. Points stay out of the math until you type a dollar value of your own. Credits paid every four years, credits quoted per stay with no annual cap, and miles with no printed dollar value are listed under the checkboxes and are not subtracted.

Calculator

Choose a card

Result for Amex Platinum

As of October 3, 2026, check the issuer for current terms.

Annual fee
$895
Credits you marked
$0
Points value you entered
Not included
Net annual cost
$895

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

As of October 3, 2026, check the issuer for current terms. American Express Platinum page

Annual fee $895 for The Platinum Card from American Express. The fee is the figure in this site's fee register.

The public Platinum page does not print one welcome-offer amount. American Express says the offer you see can be lower than the amounts it lists, and the cardmember terms say you are not eligible to earn a welcome offer in some cases. This calculator does not subtract a welcome offer.

The cardmember terms say each additional Platinum card is $195 a year, and a Companion Platinum card has no annual fee. Those fees are not added to the total below, which is for one basic card.

Credits you would use on Amex Platinum

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

Details / issuer wording

Statement credit. Up to $300 from January through June, and up to $300 from July through December. The terms we checked do not say you enroll with American Express. You do have to book a prepaid stay. Prepaid Fine Hotels + Resorts or The Hotel Collection bookings through American Express Travel. The Hotel Collection requires two consecutive nights. Platinum cardmember terms

up to $300 in statement credits semi-annually (January to June, and July to December) for up to a total of $600 per calendar year

Details / issuer wording

Uber Cash, not a statement credit. $15 each month, plus a $20 bonus in December. Add the card to your Uber account. For orders and rides in the U.S. when you select an American Express card for the transaction. Unused monthly Uber Cash does not become cash. American Express Platinum fact sheet

get $15 in Uber Cash each month to use on orders and rides in the U.S., plus a bonus $20 in December when you select an Amex Card for your transaction. That can be up to $200 Uber Cash annually.

Details / issuer wording

Statement credit. Up to $120 per calendar year. You pay for an Uber One membership with the card. Statement credits on Uber One membership fees charged to the card. Platinum cardmember terms

up to $120 in statement credits per calendar year on Uber One membership fees charged to an eligible Card

Details / issuer wording

Statement credit. Up to $200 per calendar year. Enrollment is required. You select one qualifying airline. Incidental fees on that one airline. The terms say airline tickets, upgrades, mileage-points purchases, mileage-points transfer fees, gift cards, duty-free purchases, and award tickets are not incidental fees. Platinum cardmember terms

up to $200 in statement credits per calendar year for incidental airline fees charged by their one selected qualifying airline

Details / issuer wording

Statement credit. Up to $100 each quarter, up to $400 per calendar year. Enrollment is required. Eligible U.S. Resy restaurant purchases. A quarter you skip does not roll forward. Platinum cardmember terms

up to $100 in statement credits each quarter

Details / issuer wording

Statement credit. Up to $25 each month, up to $300 per calendar year. Enrollment is required. Eligible charges made directly with participating partners. The partner list is on the terms page. Platinum cardmember terms

up to $25 in statement credits each month on eligible purchases charged to the Card Account for a total of up to $300 each calendar year

Details / issuer wording

Statement credit. Up to $75 each quarter, up to $300 per calendar year. Enrollment is required. Purchases made directly with lululemon at U.S. stores, on the U.S. website, or in the lululemon app. Platinum cardmember terms

up to $75 in statement credits each quarter on eligible purchases charged to the Card Account for a total of up to $300 each calendar year

Details / issuer wording

Statement credit. Up to $12.95 plus applicable taxes on one monthly membership fee. An auto-renewing monthly Walmart+ membership is required. The product page labels this benefit "Up to $155 Walmart+ Credit" and says the statement credit is one monthly membership, up to $12.95 plus applicable taxes. The $155 figure is that heading, not a separate credit. Taxes can make a given month differ from $12.95. American Express Platinum page

Up to $155 Walmart+ Credit. Statement credit for one auto-renewing monthly Walmart+ membership, up to $12.95 monthly plus applicable taxes.

Details / issuer wording

Statement credit. Up to $200 per calendar year. Enrollment is required. Oura Ring purchases on ouraring.com. Membership fees and shipments outside the U.S. are excluded on the terms page. Platinum cardmember terms

up to $200 in statement credits each calendar year on eligible purchases

Details / issuer wording

Statement credit. Up to $300 per calendar year. Enrollment is required. The terms also say you validate the account on Equinox's site. Eligible U.S. Equinox club memberships or an Equinox+ digital subscription bought the way the terms describe. A subscription bought inside the Equinox+ app or through a third party is not eligible. Platinum cardmember terms

up to a total of $300 in statement credits each calendar year

Details / issuer wording

Statement credit. Up to $219 per calendar year. Pay for a CLEAR+ membership with the card. The Platinum page prints up to $219 in statement credits per calendar year for an auto-renewing CLEAR+ membership, excluding taxes and fees. The same $219 figure is on American Express's article https://www.americanexpress.com/en-us/credit-cards/credit-intel/is-clear-membership-worth-it-how-amex-helps-cover-the-cost/ (updated July 23, 2026) and on https://www.clearme.com/support/what-are-the-special-rates-for-american-express-cardholders-1. Rechecked October 4, 2026. American Express Platinum page

Up to $219 CLEAR+ Credit. Statement credits per calendar year for auto-renewing CLEAR+ Membership, excluding taxes and fees.

Listed, not subtracted

  • Global Entry or TSA PreCheck

    Up to $100

    Details / issuer wording

    Statement credit, not every year. Not every year. Not subtracted from this year's fee. Pay the application fee with the card. Issuer pages differ. A travel FAQ prints $100 for Global Entry. Member terms print $120 for Global Entry, or up to $85 for TSA PreCheck, every four years. This calculator shows the smaller Global Entry figure, $100, and keeps it out of the yearly total. American Express Platinum page

    A travel FAQ on American Express prints a $100 Global Entry figure. Member terms print $120 for Global Entry.

  • Fine Hotels + Resorts or Hotel Collection property credit

    Up to $100 per stay

    Details / issuer wording

    On-property credit, not a statement credit. Per stay. No annual cap is printed. It comes with an eligible prepaid booking. It is not an annual statement credit. The terms say the $100 is applied to eligible charges at the hotel, and the eligible spend must be charged to the room. It is not subtracted here, because the issuer does not print a yearly total. Platinum cardmember terms

    the $100 credit will be applied to eligible charges up to $100

Optional. Leave this blank and points stay out of the total. This page does not set a value per point.

Platinum vs Sapphire Reserve vs Venture X

The three cards below use the credits you check on each one. An unchecked credit counts as zero. Switch cards above to mark a different card. Annual fees from this site's fee register: Amex Platinum $895, Sapphire Reserve $795, Venture X $395.

When one card's net annual cost is lower than the other two, that card is outlined.

Amex Platinum

American Express

As of October 3, 2026, check the issuer for current terms.

Net annual cost
$895
Annual fee
$895
Credits you marked
$0
Points value you entered
Not included

American Express Platinum page

Sapphire Reserve

Chase

As of October 3, 2026, check the issuer for current terms.

Net annual cost
$795
Annual fee
$795
Credits you marked
$0
Points value you entered
Not included

Chase Sapphire Reserve page

Venture X

Capital One

As of October 3, 2026, check the issuer for current terms.

Net annual cost
$395
Annual fee
$395
Credits you marked
$0
Points value you entered
Not included

Capital One Venture X page

Credits checked on issuer pages

This table is in the page itself. It does not need JavaScript. "In the annual total" means the calculator can subtract it after you check it. Rows marked No are shown so the cap is visible, and they are not turned into a yearly dollar amount.

Card credits checked on October 3, 2026. Each amount links to the issuer page it was read from.
CardCreditPrinted amountWhat it isHow oftenIn the annual totalIssuer page
Amex Platinum Hotel statement credit Up to $600 a year Statement credit Up to $300 from January through June, and up to $300 from July through December. Yes, if you check it Platinum cardmember terms
Amex Platinum Uber Cash Up to $200 a year Uber Cash, not a statement credit $15 each month, plus a $20 bonus in December. Yes, if you check it American Express Platinum fact sheet
Amex Platinum Uber One credit Up to $120 a year Statement credit Up to $120 per calendar year. Yes, if you check it Platinum cardmember terms
Amex Platinum Airline fee credit Up to $200 a year Statement credit Up to $200 per calendar year. Yes, if you check it Platinum cardmember terms
Amex Platinum Resy credit Up to $400 a year Statement credit Up to $100 each quarter, up to $400 per calendar year. Yes, if you check it Platinum cardmember terms
Amex Platinum Digital entertainment credit Up to $300 a year Statement credit Up to $25 each month, up to $300 per calendar year. Yes, if you check it Platinum cardmember terms
Amex Platinum lululemon credit Up to $300 a year Statement credit Up to $75 each quarter, up to $300 per calendar year. Yes, if you check it Platinum cardmember terms
Amex Platinum Walmart+ credit Up to $155 a year Statement credit Up to $12.95 plus applicable taxes on one monthly membership fee. Yes, if you check it American Express Platinum page
Amex Platinum Oura Ring credit Up to $200 a year Statement credit Up to $200 per calendar year. Yes, if you check it Platinum cardmember terms
Amex Platinum Equinox credit Up to $300 a year Statement credit Up to $300 per calendar year. Yes, if you check it Platinum cardmember terms
Amex Platinum CLEAR+ credit Up to $219 a year Statement credit Up to $219 per calendar year. Yes, if you check it American Express Platinum page
Amex Platinum Global Entry or TSA PreCheck Up to $100 Statement credit, not every year Not every year. Not subtracted from this year's fee. No American Express Platinum page
Amex Platinum Fine Hotels + Resorts or Hotel Collection property credit Up to $100 per stay On-property credit, not a statement credit Per stay. No annual cap is printed. No Platinum cardmember terms
Amex Gold Dining credit Up to $120 a year Statement credit Up to $10 per month, up to $120 per calendar year. Yes, if you check it Gold cardmember terms
Amex Gold Uber Cash Up to $120 a year Uber Cash, not a statement credit $10 each month. Yes, if you check it American Express Gold page
Amex Gold Resy credit Up to $100 a year Statement credit Up to $50 from January through June, and up to $50 from July through December. Yes, if you check it Gold cardmember terms
Amex Gold Dunkin' credit Up to $84 a year Statement credit Up to $7 per month, up to $84 per calendar year. Yes, if you check it Gold supplementary terms
Amex Gold The Hotel Collection property credit Up to $100 per stay On-property credit, not a statement credit Per stay. No annual cap is printed. No American Express Gold page
Sapphire Reserve Annual travel credit Up to $300 a year Statement credit Up to $300 each account anniversary year. Yes, if you check it Sapphire Reserve rewards agreement
Sapphire Reserve The Edit hotel credit Up to $500 a year Statement credit Up to $250 per stay, up to $500 per calendar year. Two-night minimum. Yes, if you check it Sapphire Reserve rewards agreement
Sapphire Reserve Select Chase Travel hotel credit Up to $250 through December 31, 2026 Statement credit Up to $250, and only through December 31, 2026. Yes, if you check it Chase Sapphire Reserve benefits page
Sapphire Reserve Dining credit Up to $300 a year Statement credit Up to $150 from January through June, and up to $150 from July through December. Yes, if you check it Chase Sapphire Reserve benefits page
Sapphire Reserve StubHub and viagogo credit Up to $300 a year Statement credit Up to $150 from January through June, and up to $150 from July through December. Yes, if you check it Chase Sapphire Reserve benefits page
Sapphire Reserve Peloton credit Up to $120 a year Statement credit Up to $120 a year. Yes, if you check it Chase Sapphire Reserve benefits page
Sapphire Reserve Lyft credit Up to $120 a year In-app credit, not a statement credit Up to $10 each month through September 30, 2027. Yes, if you check it Chase Sapphire Reserve page
Sapphire Reserve DoorDash promo Up to $25 a month ($300 a year) Checkout promo, not a statement credit $5 plus two $10 promos each month, through December 31, 2027. Yes, if you check it Chase Sapphire Reserve page
Sapphire Reserve Global Entry, TSA PreCheck, or NEXUS Up to $120 every four years Statement credit, not every year One credit every four years. No Chase Sapphire Reserve benefits page
Sapphire Preferred Chase Travel hotel credit Up to $100 a year Statement credit Up to $100 each account anniversary year. Yes, if you check it Sapphire Preferred rewards agreement
Sapphire Preferred DoorDash promo Up to $120 a year Checkout promo, not a statement credit A $10 promo each month through December 31, 2027. The same page says that is $120 annually. Yes, if you check it Chase Sapphire Preferred page
Sapphire Preferred Global Entry, TSA PreCheck, or NEXUS Up to $120 every four years Statement credit, not every year One credit every four years. No Chase Sapphire Preferred page
Venture X Annual Capital One Travel credit Up to $300 a year Travel-portal credit, not a statement credit A $300 credit each year. It expires on the next account-open anniversary. Yes, if you check it Venture X account terms
Venture X Anniversary miles 10,000 miles a year Miles, no dollar amount printed Each year after the first anniversary. No Capital One compare page
Venture X Global Entry or TSA PreCheck Up to $120 every four years Statement credit, not every year One statement credit per account every four years. No Capital One additional benefit terms
Venture X Premier Collection experience credit Up to $100 per stay Hotel or host credit, not a statement credit Per stay. No annual cap is printed. No Capital One Venture X page
Venture X Lifestyle Collection experience credit Up to $50 per stay Hotel credit, not a statement credit Per stay. No annual cap is printed. No Capital One Venture X page
Venture Rewards Capital One Travel Stays credit One-time $300 Travel-portal credit, first cardholder year only Once. It expires one year after account opening. No Capital One compare page
Venture Rewards Lifestyle Collection experience credit Up to $50 per stay Hotel credit, not a statement credit Per stay. No annual cap is printed. No Capital One Venture Rewards page
Venture Rewards Global Entry or TSA PreCheck Up to $120 every four years Statement credit, not every year One statement credit per account every four years. No Capital One Venture Rewards page
United Club Card Renowned Hotels statement credit Up to $200 a year Statement credit Up to $200 each anniversary year. Yes, if you check it United cardmember page
United Club Card Rideshare credit Up to $150 a year Statement credit Up to $12 each month from January through November, and up to $18 in December. Yes, if you check it United cardmember page
United Club Card Avis or Budget credit Up to $100 a year United TravelBank cash, not a statement credit $50 on the first eligible rental and $50 on the second, up to $100 each anniversary year. Yes, if you check it United cardmember page
United Club Card Instacart credit Up to $240 a year Instacart account credit, not a statement credit Two $10 credits each month, up to $240 per calendar year, through December 31, 2027. Yes, if you check it United cardmember page
United Club Card JSX credit Up to $200 a year Statement credit Up to $200 each anniversary year. Yes, if you check it United cardmember page
United Club Card Global Entry, TSA PreCheck, or NEXUS Up to $120 every four years Statement credit, not every year One statement credit every four years. No United cardmember page

Left out on purpose

These items are not in the table and not in the total. A figure stays out when no dollar cap is printed, or when a "value" line is not a credit. When two issuer pages disagree on a credit that is shown above, the calculator uses the smaller figure and says so next to that credit.

  • Amex Platinum: Saks Fifth Avenue credit. A 2025 fact sheet still mentions up to $50 semi-annually. The live product page and the live cardmember terms we checked do not mention Saks. It is not listed.
  • Amex Platinum: Welcome offer. No single public point amount. The product page says you may be eligible for 100,000, 125,000, or 150,000 points, or another offer. An older terms address that once printed a higher ceiling returned an error on October 3, 2026.
  • Chase Sapphire Reserve and Preferred: DashPass and Apple subscription "value" lines. Chase prints these as the stated value of a complimentary membership, not as a statement credit. The Apple figure is $288 on the Reserve product page and a different figure on another Chase page. They are not added.
  • Chase Sapphire Reserve: Lounge "over $850" and The Edit "over $550" lines. Those are Chase's stated values, not statement credits. The Edit statement credit of up to $500 is included separately. The lounge figure is not.
  • Chase Sapphire Reserve: Credits that require $75,000 in purchases. The $500 Southwest Chase Travel credit and The Shops at Chase credit are tied to a spend level this calculator does not model.
  • United Club Card: 25% back on inflight purchases. Chase says this is a statement credit and does not print a dollar cap. A cap is not invented here.
  • Capital One Venture X: Anniversary miles as dollars. 10,000 miles are printed for the consumer card. A dollar value is printed only for Venture X Business. No dollar amount is assigned.

Sources checked

Checked . Annual fees are the figures in the site fee register, which was checked against issuer pages on the same date. Credit amounts below were read again from the issuer pages linked here.

Questions

What is net annual cost on this page?

It is the annual fee minus the credits you check, minus any dollar amount you type for points. A credit you leave unchecked counts as zero. Welcome offers are not part of the subtraction.

Why do the boxes start unchecked?

A credit reduces the fee only if you would use it. The page starts at the full annual fee, which is the cost if you use none of the credits.

What is face value, and what should I type?

Face value is the maximum the issuer prints, often as "up to" that amount, and often split across months or half-years that do not roll over. If you leave the amount blank, the total uses that printed maximum. Type a lower number when you would not use the full credit. You cannot enter more than the printed maximum.

Are welcome offers included in the annual total?

No. When an issuer page printed a public welcome offer, it is shown as text under that card. It is a one-time offer, and it is not subtracted from the annual fee. Cards without one public amount do not show a figure.

Why are some credits listed but not subtracted?

Some are paid once every four years. Some are a dollar amount per stay, and the issuer does not print an annual cap. Anniversary miles with no printed dollar value are listed the same way. Subtracting those as if they arrived in full every year would invent a yearly amount.

How current are the figures?

Each card says the figures were checked on October 3, 2026. The Sources checked list names the issuer pages. Issuers change terms. Read the linked page before you apply or renew.