Is the Amex Platinum worth the $895 annual fee?

The Amex Platinum can be worth its $895 annual fee if you use the $600 hotel credit (FHR / Hotel Collection), $400 Resy dining credit, $300 digital entertainment credit, $200 airline fee credit, $200 Uber Cash, and the $209 CLEAR Plus credit — over $1,900 in potential credits. However, many of these are split into monthly or quarterly increments that are easy to miss. This calculator estimates your true net cost based on which credits you'll actually use.

How does the Chase Sapphire Reserve $795 annual fee compare to alternatives?

The Chase Sapphire Reserve has a $795 annual fee but includes a $300 travel credit that applies automatically to most travel purchases. After the credit, the effective fee is $495. The card also includes Priority Pass airport lounge access and a $100 Global Entry credit every 4 years.

Which premium card has the best value for someone who rarely travels?

For infrequent travelers, the Capital One Venture X ($395/year) or Chase Sapphire Preferred ($95/year) often offer the best value. Venture X includes a $300 travel credit and 10,000 anniversary points that together exceed the annual fee for anyone who books at least one trip per year.

What is the best premium credit card for lounge access?

The Amex Platinum provides the most comprehensive lounge access: Centurion Lounges, Priority Pass, Delta Sky Clubs (when flying Delta), and more. Chase Sapphire Reserve and Capital One Venture X both include Priority Pass access as well.

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Annual Fee Calculator

Is the annual fee actually worth it — for you?

Premium credit cards make money look terrible until you do the math. Answer how you actually live, see your real net cost after credits.

Pick a card

Annual fee

$895

Sticker price

Credits captured

$1,858

50% of $3,714 max

Net (ongoing year)

+$963

Worth it for you

First-year math

Welcome bonus value+$3,500

Credits captured+$1,858

Annual fee−$895

First year net+$4,463

Most credits are split into monthly / quarterly micro-amounts — track them or you'll burn $1,000+/yr unused. Drag each slider to your real usage rate.

Worth it for you

Amex Platinum pays for itself by $963/yr

Based on the usage you set above. Apply now or read the full review first.

Apply for Amex Platinum Full review

Set your usage per credit

Hotel Credit (FHR / Hotel Collection)

How often will you book FHR or Hotel Collection through Amex Travel?

$300 H1 + $300 H2 — auto-applies on eligible 2-night+ bookings

$300

/$600

50%

Resy Restaurant Credit

How often will you book Resy restaurants?

$100/quarter — use it or lose it

$200

/$400

50%

Digital Entertainment

How many of Disney+/Hulu/Peacock/NYT etc. do you pay for?

$25/mo — covers up to 1-2 monthly subscriptions

$150

/$300

50%

Equinox / SoulCycle Credit

Will you use the Equinox+ app or buy a SoulCycle bike?

$300/yr annual — Equinox membership or one-time SoulCycle bike

$150

/$300

50%

Lululemon Credit

How often will you shop Lululemon?

$75/quarter — use it or lose it

$150

/$300

50%

CLEAR Plus Credit

Will you have CLEAR Plus this year?

Full $209 CLEAR annual fee covered

$105

/$209

50%

Airline Fee Credit

How much will you spend on airline incidentals on your chosen airline?

$200/yr on bags, seats, on-board purchases — needs enrollment on 1 airline

$100

/$200

50%

Oura Ring Credit

Will you buy an Oura Ring this year?

$200/yr toward ring purchase — one-shot, requires enrollment

$100

/$200

50%

Uber Cash

How often will you use Uber / Uber Eats?

$15/mo + $35 in December — must be linked to Amex

$100

/$200

50%

Walmart+ Membership

Do you have or want a Walmart+ subscription?

~$13/mo — auto-covers monthly Walmart+ membership

$78

/$155

50%

Uber One Credit

Do you have or want Uber One subscription?

Up to $120/yr covers Uber One sub

$60

/$120

50%

Saks Fifth Avenue Credit

How often will you shop Saks twice-a-year?

$50 Jan–Jun + $50 Jul–Dec — requires enrollment

$50

/$100

50%

Global Entry / TSA PreCheck

Need Global Entry / TSA PreCheck renewal soon?

~$30/yr amortized ($120 every 4 yrs)

$15

/$30

50%

Lounge Access (Centurion + PP + GLC)

How many lounge visits per year?

~$50/visit value — drag slider down if you rarely fly

$300

/$600

50%

Full review Apply for Amex Platinum

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