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American Express Platinum — Fee Calculator
Realistic value of this card's annual benefits, based on how you'd actually use them. Real math, not marketing.
Will the $799 fee pay for itself for you?
Tap each benefit to estimate your usage. Defaults assume conservative usage.
$200 dining credit
Max $200
+$200
$200 travel credit
Max $200
+$200
$200 Lululemon credit
Max $200 — $50 / quarter
+$100
$240 Instacart credit
Max $240 — $10 × 2 / month
+$120
Centurion lounge access
Max $200
+$100
Plaza Premium + Priority Pass lounges
Max $360 — 12 visits/yr through 2026; drops to 6/yr from 2027-01-01 unless $20K spend (per Oct 2025 announcement)
+$180
Marriott Gold status
Max $50 — I stay at Marriott hotels
$0
Hilton Gold status
Max $50 — I stay at Hilton hotels
$0
Priority security lane
Max $50
$0
Car rental status
Max $30 — Avis President's Club / Hertz Gold
$0
Fine Hotels + Resorts benefits
Max $200 — $100 credit + breakfast per stay; assumes 1 stay/year
+$100
NEXUS Application Credit
Max $25 — $100 every 4 years; annualized
+$25
Estimated annual value$1,025
Annual fee−$799
Net value+$226
Conservative valuations. Lounge values assume cash-equivalent. Status benefits valued only when you book on the chain.