Premium Card Calculator

Premium Card Net Value Calculator

Model the welcome bonus, everyday rewards, usable credits, and annual fee against your own year-one and renewal assumptions.

Bonus

+Rewards

+Credits

-Fee

=Net Value

Year One

-$895

Does not clear the fee

Ongoing

-$895

Annual drag

Amex Platinum

Start with spending categories

Route only the spend this card would actually win before valuing the offer, credits, and fee.

Annual spend routed

Points from spend

0 MR

Active categories

0 of 3

Flights booked directly with airlines or Amex Travel

5x points on up to $500,000 per calendar year, then 1x

5x earn

0 pts

Prepaid hotels booked on Amex Travel

5x points

5x earn

0 pts

All other purchases

1x points

1x earn

0 pts

Decide what counts on day one

Should we include the intro bonus?

You are not eligible if you have or have had the card, even if you never received a bonus.

Can you clear $8,000 in the first 6 months?

If not, we flip the model into the no-bonus version of the card.

Bonus on the table

Offer size

Bonus assumption

Fee drag

Published fee $895

Exit route for points

Choose the redemption path that best matches how you would actually cash these points out.

Keep the perks you will actually cash in

This is where inflated premium-card math usually falls apart. Keep the value you believe you can really unlock.

Annual value

Hard-value credits

Airline fee credit · Up to $200 per year

Resy credit

$400 annual value, issued as up to $100 per quarter

lululemon credit

$300 annual value, issued as up to $75 per quarter

Oura Ring credit

Up to $200 per calendar year at Ouraring.com

Equinox credit

Up to $300 per calendar year on an eligible Equinox membership or digital subscription

Uber Cash

$200 annual value, issued as $15 monthly plus $20 in December

Uber One credit

Up to $120 per year

Hotel credit

$600 annual value, issued as up to $300 semi-annually on prepaid FHR / Hotel Collection stays

Digital entertainment credit

$300 annual value, issued as up to $25 per month

CLEAR Plus credit

Up to $209 per year

Walmart+ membership credit

Up to $12.95 plus tax per month

Soft-value perks

Global Lounge Collection access

Broader airport lounge access across the Amex network, including Centurion Lounges and other eligible partner lounges. · This is the full lounge bundle, not just Priority Pass.

Delta Sky Club visits

Sky Club access when flying Delta on an eligible same-day itinerary. · Visit allotment is capped annually.

Priority Pass Select access

Membership for participating non-Amex lounges worldwide. · This is one subset of the broader Global Lounge Collection.

Fine Hotels + Resorts on-property perks

Hotel benefits like breakfast, late checkout, upgrades, and a property amenity on qualifying stays. · Separate from the prepaid hotel credit in hard-value credits.

Hotel status value

Automatic mid-tier hotel status that can translate into upgrades, late checkout, or bonus earnings. · Hilton Honors Gold and Marriott Bonvoy Gold Elite

Global Dining Access by Resy

Priority access to tougher restaurant reservations and select dining events.

Platinum Nights by Resy

Cardmember-only dining experiences and premium event access through Resy.

Concierge and service perks

Hands-on help with travel, dining, and event planning when that support is worth something to you.

Travel protections

Trip delay, trip cancellation, baggage, and rental coverage on eligible travel purchases. · Coverage terms and claim limits vary.

Purchase and return protections

Coverage for eligible damaged, stolen, or unwanted items when merchant return windows or warranties fall short.

No foreign transaction fees

Avoids extra issuer fees on international purchases. · Mostly matters if this card will actually be used abroad.

Global Entry or TSA PreCheck credit

Application-fee reimbursement for eligible trusted traveler programs. · Useful, but only in the years you actually redeem it.

Read the verdict

Modeled card

Amex Platinum

Year One Expected Value

Does not clear the feeSignup bonus excluded

This setup does not justify the first-year cost of carrying the card.

Select an offer preset or enter a welcome offer amount to include the signup bonus in year-one math.

First Year

-$895

Year 2 And Beyond

Annual drag

If nothing changes, this is the annual drag after the welcome offer disappears.

Ongoing

-$895

Check these points in the Points Calculator

Value ledger

The features of the credit card providing continuing benefit.

The Stack read

Usable credits$0

Soft perks kept$0

Points banked from spend0

Fee drag-$895