Cards / American Express

Is the Amex Platinum worth $895?

American Express Platinum

Credits verified September 28, 2026

Rewards: 5X on flights direct or via Amex Travel (up to $500K/yr) · 5X on prepaid hotels via Amex Travel · 1X everything else

Annual Fee

$895

Fee verified Sep 19, 2026 from americanexpress.com

Automatic

Nothing arrives on its own · up to $2,904 if you claim it

Have this card? Get your verdict.About 60 seconds. No bank login.

Rewards: 5X on flights direct or via Amex Travel (up to $500K/yr) · 5X on prepaid hotels via Amex Travel · 1X everything else

OverviewOverview WTF CheckWTF Check UseUse Your Credits RemindersReminders PerksPerks & Protections FAQFAQ

Tell us what you actually use. We'll show you what this card is worth to you.

No Bank Login
No Card Number
Issuer-Sourced Values
Independent Verdicts

Automatic

+$0

Arrives on its own — counted with no selection.

0 credits

Yours if you use it

up to $2,904

Available only if you use it. Select the amount you realistically expect to capture.

12 credits

Perks you value

up to $370

Requires spending or qualifying activity. Include only what you realistically expect to earn.

24 credits

Also included: 22 perks with no set dollar valueSee them →

The credits that decide your verdict

$600 Hotel Credit
$600
Up to $300 in statement credits semi-annually (January–June and July–December) on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel. The Hotel Collection requires a 2-night minimum stay. No enrollment required.
Semi-annual resetUse it or lose it
Next reset: January 1, 2027
Verified Sep 2026View official terms
$400 Resy Credit
$400
Up to $100 in statement credits each quarter on eligible Resy purchases, including at 10,000+ U.S. Resy restaurants. Enrollment required.
Quarterly resetEnrollment requiredUse it or lose it
Next reset: January 1, 2027
Verified Sep 2026View official terms
$300 Digital Entertainment Credit
$300
Up to $25 in statement credits each month. Partners: "Disney+, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, and YouTube." Enrollment required.
Only count this if you'd actually use or buy this.
Monthly resetEnrollment requiredUse it or lose it
Next reset: November 1, 2026
Verified Sep 2026View official terms
$300 Equinox Credit
$300
Up to $300 per calendar year on an Equinox club membership or Equinox+. Enrollment required.
Only count this if you'd actually use or buy this.
Annual resetEnrollment requiredAuto-renews
Next reset: January 1, 2027
Verified Sep 2026View official terms

Where to use your credits

Don't have the Amex Platinum yet?

Nothing here arrives on its own — every dollar is one you claim. Claim every credit and it gives back $2,904 a year.
5X on flights direct or via Amex Travel (up to $500K/yr) · 5X on prepaid hotels via Amex Travel · 1X everything else

See offer & apply at American Express

This is American Express’s own page. We are not paid for it, and your verdict does not move either way.

Quick estimate

Your estimated value

$1,452est / yr+$557

Hotel credits·1
$30021%
$600 Hotel Credit
50%
Fitness & wellness credits·2
$25017%
$300 Equinox Credit · $200 Oura Ring Credit
50%
Shopping credits·2
$22816%
Walmart+ Monthly Membership Credit · $300 lululemon Credit
50%
Travel credits·2
$21014%
$219 CLEAR+ Credit · $200 Airline Fee Credit
50%
Dining credits·1
$20014%
$400 Resy Credit
50%
Entertainment credits·1
$15010%
$300 Digital Entertainment Credit
50%
Rideshare credits·2
$1007%
$200 Uber Cash — $20 in December · $200 Uber Cash — $15 monthly
50%
Global Entry / TSA·1
$151%
Fee Credit for Global Entry or TSA PreCheck®
50%

Not counted here — these pay out only after you spend, enroll or buy something, or redeem in a partner's app: $120 Uber One Credit · American Express Venue Collection™ Concessions Statement Credit

Automatic · 0

$0

Yours if you use it · 12

$1,452

Perks you value · 24

$0

This is a quick estimate from “I use about half” — our guess about you, not an issuer number. For your honest verdict — Worth It, Watch It, or Cancel — tap every credit you'd actually use in the WTF Check.

THE WTF CHECK

Tell Us What You Actually Use

Adjust each credit to reflect your real usage. Your verdict updates as you go.

Estimate

These numbers assume “I use about half” — assumes you capture half of each recurring credit. That is our guess about you, not a number the issuer published. The credit amounts are the issuer’s.

Quick set — start here, then adjust each credit

Automatic

Arrives on its own — counted with no selection.

+$0

Nothing here arrives on its own — every dollar is one you claim. Claim every credit and it gives back $2,904 a year.

Yours if you use it

Available only if you use it. Select the amount you realistically expect to capture.

up to $2,904

Quick set
$600 Hotel Credit
$300 / $600
50%
Up to $300 in statement credits semi-annually (January–June and July–December) on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel. The Hotel Collection requires a 2-night minimum stay. No enrollment required.
Semi-annual resetUse it or lose it
Next reset: January 1, 2027
Verified Sep 2026View official terms
$400 Resy Credit
$200 / $400
50%
Up to $100 in statement credits each quarter on eligible Resy purchases, including at 10,000+ U.S. Resy restaurants. Enrollment required.
Quarterly resetEnrollment requiredUse it or lose it
Next reset: January 1, 2027
Verified Sep 2026View official terms
$300 Digital Entertainment Credit
$150 / $300
50%
Up to $25 in statement credits each month. Partners: "Disney+, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, and YouTube." Enrollment required.
Only count this if you'd actually use or buy this.
Monthly resetEnrollment requiredUse it or lose it
Next reset: November 1, 2026
Verified Sep 2026View official terms
$300 Equinox Credit
$150 / $300
50%
Up to $300 per calendar year on an Equinox club membership or Equinox+. Enrollment required.
Only count this if you'd actually use or buy this.
Annual resetEnrollment requiredAuto-renews
Next reset: January 1, 2027
Verified Sep 2026View official terms
$300 lululemon Credit
$150 / $300
50%
Up to $75 in statement credits each quarter at U.S. lululemon stores (not outlets) and lululemon.com. Enrollment required.
Only count this if you'd actually use or buy this.
Quarterly resetEnrollment requiredUse it or lose it
Next reset: January 1, 2027
Verified Sep 2026View official terms
$219 CLEAR+ Credit
$110 / $219
50%
Up to $219 per calendar year for a CLEAR+ membership.
Only count this if you'd actually use or buy this.
Annual resetAuto-renews
Next reset: January 1, 2027
Verified Sep 2026View official terms
$200 Oura Ring Credit
$100 / $200
50%
Up to $200 per calendar year on an Oura Ring bought at ouraring.com. Enrollment required.
Only count this if you'd actually use or buy this.
Annual resetEnrollment required
Next reset: January 1, 2027
Verified Sep 2026View official terms
$200 Airline Fee Credit
$100 / $200
50%
Up to $200 per calendar year in incidental fees on the one airline you select. Enrollment required.
Only count this if you'd actually use or buy this.
Annual resetEnrollment required
Next reset: January 1, 2027
Verified Sep 2026View official terms
$200 Uber Cash — $15 monthly
$90 / $180
50%
"$15 Uber Cash each month plus an additional $20 Uber Cash in December." Add your Platinum Card to your Uber account; U.S. rides and orders. The extra $20 in December is listed on its own.
Monthly resetUse it or lose it
Next reset: November 1, 2026
Verified Sep 2026View official terms
Walmart+ Monthly Membership Credit
$78 / $155
50%
Covers one monthly Walmart+ membership fee each month, "up to $12.95 plus applicable taxes." Monthly plan only.
Only count this if you'd actually use or buy this.
Monthly resetUse it or lose itAuto-renews
Next reset: November 1, 2026
Verified Sep 2026View official terms
Fee Credit for Global Entry or TSA PreCheck®
$15 / $30
50%
Every 4 years: $120 for Global Entry, or up to $85 for TSA PreCheck®.
Multi-year reset
Resets on your own card year — a date only you know.
Verified Aug 2026View official terms
$200 Uber Cash — $20 in December
$10 / $20
50%
"…plus an additional $20 Uber Cash in December," on top of that month's $15. Add your Platinum Card to your Uber account; U.S. rides and orders.
Annual reset
Next available: December 1, 2026
Verified Sep 2026View official terms

Perks you value

Requires spending or qualifying activity. Include only what you realistically expect to earn.

up to $370

Quick set
American Express Venue Collection™ Concessions Statement Credit
$0 / $250
$max $250
10% back, up to $250 per calendar year, on food and drink concessions at American Express Venue Collection™ stadiums and arenas. Enrollment required (add the offer). "Offer ends 12/31/2026."
Annual resetEnrollment required
Next reset: January 1, 2027
Verified Sep 2026View official terms
$120 Uber One Credit
$0 / $120
$max $120
Up to $120 per calendar year on Uber One membership fees (monthly or annual plans).
Annual resetAuto-renews
Next reset: January 1, 2027
Verified Sep 2026View official terms
Extended Warranty
$0 / your call
$you assign
Always on
Verified Aug 2026View official terms
Car Rental Elite Status
$0 / your call
$you assign
Enrollment required
Always onEnrollment required
Verified Aug 2026View official terms
Purchase Protection
$0 / your call
$you assign
Annual reset
Next reset: January 1, 2027
Verified Aug 2026View official terms
Auto Rental Coverage
$0 / your call
$you assign
Always on
Verified Aug 2026View official terms
Baggage Insurance Plan
$0 / your call
$you assign
Always on
Verified Aug 2026View official terms
Priority Pass
$0 / your call
$you assign
Priority Pass Select membership.
Always onEnrollment required
Verified Aug 2026View official terms
Fine Hotels + Resorts perks
$0 / your call
$you assign
Late checkout, breakfast, $100 property credit
Annual reset
Next reset: January 1, 2027
Verified Aug 2026View official terms
Leaders Club Sterling Status (LHW)
$0 / your call
$you assign
Enrollment required
Annual resetEnrollment required
Next reset: January 1, 2027
Verified Aug 2026View official terms
Cell phone protection
$0 / your call
$you assign
Annual reset
Next reset: January 1, 2027
Verified Aug 2026View official terms
No Foreign Transaction Fees
$0 / your call
$you assign
Always on
Verified Aug 2026View official terms
Premium Events Collection
$0 / your call
$you assign
Always on
Verified Aug 2026View official terms
Amex Presale & Reserved Tickets
$0 / your call
$you assign
Always on
Verified Aug 2026View official terms
Hilton & Marriott Gold status
$0 / your call
$you assign
Enrollment required
Always onEnrollment required
Verified Aug 2026View official terms
Global Dining Access by Resy
$0 / your call
$you assign
Always on
Verified Aug 2026View official terms
Return Protection
$0 / your call
$you assign
Annual reset
Next reset: January 1, 2027
Verified Aug 2026View official terms
Platinum Nights by Resy
$0 / your call
$you assign
Always on
Verified Aug 2026View official terms
SoulCycle At-Home Bike Credit
$0 / your call
$you assign
A $300 statement credit on each SoulCycle At-Home Bike bought with the Card online at equinoxplus.com/bike, on up to 15 bikes per calendar year. Listed as a perk, not counted toward available value.
Annual reset
We have not confirmed the reset date with the issuer.
Verified Sep 2026View official terms
Trip delay / cancellation insurance
$0 / your call
$you assign
Annual reset
Next reset: January 1, 2027
Verified Aug 2026View official terms
Premium Global Assist Hotline
$0 / your call
$you assign
Always on
Verified Aug 2026View official terms
Centurion Lounge Access
$0 / your call
$you assign
Plus Priority Pass Select
Always on
Verified Aug 2026View official terms
Delta Sky Club access (when flying Delta)
$0 / your call
$you assign
Annual reset
Next reset: January 1, 2027
Verified Aug 2026View official terms
Platinum Card Concierge
$0 / your call
$you assign
Always on
Verified Aug 2026View official terms

Your Value Breakdown
Maximum Credit Value$2,904
Automatic value+$0
Yours if you use it+$1,452 / $2,904
Perks you value (not counted)$0 / $370
Annual Fee−$895
Net Value+$557

How the verdict is set

What it rests on

Based on an estimate ("I use about half"), not your own usage. Issuer-sourced credit values.

Yours if you use it on this card$2,904

This card has $2,904 in credits you could capture each year.

Some reset quarterly. Some reset semiannually. Some disappear once a year. Credits have deadlines — we'll remind you before value resets.

Move any slider to make this verdict yours — then you can share it.

Where your $2,904 lives.

12 of 12 capturable credits

Every credit on this card is tied to a place. Here is each one, what it is worth, the strings — and one tap to go use it. Only count the ones you would actually use.

No card issuer pays us. Some merchant links may earn a commission. Your verdict never depends on it. Paid links are marked Partner link. Order is by value, never by commission.

$600 Hotel Credit

hotel

Counts toward: up to $600/year

Frequency: Semiannual

Up to $300 in statement credits semi-annually (January–June and July–December) on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel. The Hotel Collection requires a 2-night minimum stay. No enrollment required.

No enrollmentSemi-annual resetUse it or lose it

Use this credit

$400 Resy Credit

dining

Counts toward: up to $400/year

Frequency: Quarterly

Up to $100 in statement credits each quarter on eligible Resy purchases, including at 10,000+ U.S. Resy restaurants. Enrollment required.

Enroll firstQuarterly resetUse it or lose it

Use this credit

$300 Digital Entertainment Credit

entertainment

Counts toward: up to $300/year

Frequency: Monthly

Up to $25 in statement credits each month. Partners: "Disney+, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, and YouTube." Enrollment required.

Enroll firstMonthly resetUse it or lose it

Use this credit

$300 Equinox Credit

fitness

Counts toward: up to $300/year

Frequency: Annual

Up to $300 per calendar year on an Equinox club membership or Equinox+. Enrollment required.

Enroll firstAnnual resetAuto-renews

Use this credit

$300 lululemon Credit

shopping

Counts toward: up to $300/year

Frequency: Quarterly

Up to $75 in statement credits each quarter at U.S. lululemon stores (not outlets) and lululemon.com. Enrollment required.

Enroll firstQuarterly resetUse it or lose it

Use this credit

$219 CLEAR+ Credit

travel

Counts toward: up to $219/year

Frequency: Annual

Up to $219 per calendar year for a CLEAR+ membership.

No enrollmentAnnual resetAuto-renews

Use this credit

$200 Airline Fee Credit

travel

Counts toward: up to $200/year

Frequency: Annual

Up to $200 per calendar year in incidental fees on the one airline you select. Enrollment required.

Enroll firstAnnual reset

Use this credit

$200 Oura Ring Credit

fitness

Counts toward: up to $200/year

Frequency: Annual

Up to $200 per calendar year on an Oura Ring bought at ouraring.com. Enrollment required.

Enroll firstAnnual reset

Use this credit

$200 Uber Cash — $15 monthly

rideshare

Counts toward: up to $180/year

Frequency: Monthly

"$15 Uber Cash each month plus an additional $20 Uber Cash in December." Add your Platinum Card to your Uber account; U.S. rides and orders. The extra $20 in December is listed on its own.

No enrollmentMonthly resetUse it or lose it

Use this credit

Walmart+ Monthly Membership Credit

shopping

Counts toward: up to $155/year

Frequency: Monthly

Covers one monthly Walmart+ membership fee each month, "up to $12.95 plus applicable taxes." Monthly plan only.

No enrollmentMonthly resetAuto-renewsUse it or lose it

Use this credit

Fee Credit for Global Entry or TSA PreCheck®

global entry

Counts toward: up to $30/year

Frequency: One-time

Every 4 years: $120 for Global Entry, or up to $85 for TSA PreCheck®.

No enrollmentMulti-year reset

Use this credit

$200 Uber Cash — $20 in December

rideshare

Counts toward: up to $20/year

Frequency: Annual

"…plus an additional $20 Uber Cash in December," on top of that month's $15. Add your Platinum Card to your Uber account; U.S. rides and orders.

No enrollmentAnnual reset

Don't have the Amex Platinum yet?

Nothing here arrives on its own — every dollar is one you claim. Claim every credit and it gives back $2,904 a year.
5X on flights direct or via Amex Travel (up to $500K/yr) · 5X on prepaid hotels via Amex Travel · 1X everything else

See offer & apply at American Express

This is American Express’s own page. We are not paid for it, and your verdict does not move either way.

Real perks. No fake price tags.

Lounges, status and insurance can matter a lot. But the issuer puts no fixed dollar amount on them, so we show them here — and leave them out of your verdict.

22perks and protections. $0 added to your Net Value. That's on purpose.

Lounges

· 3

Priority Pass
$0
Priority Pass membership as part of the Global Lounge Collection. Enrollment required.
Enroll firstAlways on
Verified Aug 2026Official terms
Centurion Lounge Access
$0
Part of the Global Lounge Collection (1,550+ lounges, $850+ annual value): access to Centurion Lounges.
Always on
Verified Aug 2026Official terms
Find a lounge
Delta Sky Club access (when flying Delta)
$0
10 Delta Sky Club visits per year when flying an eligible Delta flight, as part of the Global Lounge Collection.
Annual reset
Verified Aug 2026Official terms

Status

· 3

Car Rental Elite Status
$0
Complimentary premium status in select car rental programs (Avis, Hertz, National). Card Members must enroll through their American Express online account. Terms and limitations apply.
Enroll firstAlways on
Verified Aug 2026Official terms
Leaders Club Sterling Status (LHW)
$0
Complimentary Leaders Club Sterling status from The Leading Hotels of the World: 5% points bonus, 5 pre-arrival upgrades annually. Enrollment required.
Enroll firstAnnual reset
Verified Aug 2026Official terms
Hilton & Marriott Gold status
$0
Complimentary Marriott Bonvoy Gold Elite status (room upgrades at check-in when available on qualifying rates) and Hilton Honors Gold status (space-available upgrades, 80% points bonus, daily F&B credit at select U.S. brands, 5th night free on points stays). Hilton enrollment required.
Enroll firstAlways on
Verified Aug 2026Official terms

Protections

· 7

Extended Warranty
$0
Up to one extra year on manufacturer warranties of 5 years or less; up to $10,000/item, $50,000/year.
Always on
Verified Aug 2026Official terms
Purchase Protection
$0
Covered Purchases protected up to 90 days; up to $10,000 per purchase, $50,000 per calendar year.
Annual reset
Verified Aug 2026Official terms
Auto Rental Coverage
$0
Secondary coverage for damage/theft of rental vehicle when CDW declined; exclusions apply (not AU/IT/NZ).
Always on
Verified Aug 2026Official terms
Baggage Insurance Plan
$0
Always on
Verified Aug 2026Official terms
Cell phone protection
$0
Reimbursement to repair or replace a damaged or stolen cell phone: up to $800 per claim, max 2 approved claims per 12-month period, $50 deductible per claim. Prior month's wireless bill must be paid with the Card.
Annual reset
Verified Aug 2026Official terms
Return Protection
$0
Return eligible purchases up to 90 days if seller will not take them back; up to $300/item, $1,000 per calendar year.
Annual reset
Verified Aug 2026Official terms
Trip delay / cancellation insurance
$0
Trip Delay: round-trip paid entirely with the Card, delays over 6 hours, up to $500/trip, max 2 claims per 12 months. Trip Cancellation & Interruption: up to $10,000 per trip and $20,000 per Card per 12 months for covered reasons. Provided by New Hampshire Insurance Company (AIG).
Annual reset
Verified Aug 2026Official terms

Services

· 1

Platinum Card Concierge
$0
Always on
Verified Aug 2026Official terms

Other perks

· 8

Fine Hotels + Resorts perks
$0
Complimentary benefit suite at 1,800+ FHR properties booked through Amex Travel — avg total value $550 per two-night stay: daily breakfast for two, room upgrade upon arrival when available, $100 property credit, guaranteed 4pm check-out, 12pm check-in when available. Plus 5X points or Pay with Points on prepaid Amex Travel stays.
Annual reset
Verified Aug 2026Official terms
Learn more
No Foreign Transaction Fees
$0
No foreign transaction fees on purchases.
Always on
Verified Aug 2026Official terms
Premium Events Collection
$0
Curated once-in-a-lifetime events across sports, fashion, dining, art, performances.
Always on
Verified Aug 2026Official terms
Amex Presale & Reserved Tickets
$0
Presale and reserved ticket access to select events across sports, music, and more.
Always on
Verified Aug 2026Official terms
Global Dining Access by Resy
$0
Exclusive reservations and dining experiences via Resy when Card is added to Resy profile.
Always on
Verified Aug 2026Official terms
Platinum Nights by Resy
$0
Sought-after reservations at participating top Resy restaurants on select nights in select cities.
Always on
Verified Aug 2026Official terms
SoulCycle At-Home Bike Credit
$0
A $300 statement credit on each SoulCycle At-Home Bike bought with the Card online at equinoxplus.com/bike, on up to 15 bikes per calendar year. Listed as a perk, not counted toward available value.
Annual reset
Verified Sep 2026Official terms
Learn more
Premium Global Assist Hotline
$0
24/7 emergency assistance 100+ miles from home: medical, legal, financial referrals.
Always on
Verified Aug 2026Official terms

⇄ Compare perks vs other cards

These perks add zero to your calculated value. Coverage limits and eligibility vary by card; always confirm with the issuer.

Frequently asked questions

Plain-language answers, with live numbers from this card.

12 answers

Value & break-even· 4 Credits & enrollment· 3 Methodology & account· 5

Value & break-even

Is the Amex Platinum worth the annual fee?

Whether Amex Platinum is worth its $895 annual fee depends on which credits you actually use. Nothing on this card arrives on its own, so your WTF Check counts only the credits you say you use. The Maximum Credit Value is $2,904/year — your value may be much lower, and that is what the WTF Check calculates. A further $370/year has to be earned — qualifying spend or qualifying activity — so we don't count it. Run the WTF Check above for your verdict.

Did this answer help?

How much value do I need to use to break even on the Amex Platinum?

You need to capture at least $895 in credits each year to break even. Using every credit you don't have to earn returns $2,904 — that's 3.2× the fee. A further $370/year has to be earned — qualifying spend or qualifying activity — so we don't count it.

Did this answer help?

Why is WorthTheFee's number lower than the bank's total for the Amex Platinum?

Banks add up every possible credit at its theoretical maximum. We show the Maximum Credit Value ($2,904/year here) — the credits you can capture by using them — and keep perks you value, which need spending or qualifying activity first, on their own line. Your WTF Check counts only what you say you use. If you don't use it, we don't count it.

Did this answer help?

Does the welcome bonus count toward this value?

No. Welcome bonuses are one-time and vary by application channel, so we don't fold them into ongoing annual value. Our number reflects what you get every year you hold the card — not a first-year sweetener.

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Credits & enrollment

Which Amex Platinum credits are Automatic?

None of them — nothing on the Amex Platinum posts automatically. Every credit takes an action to capture, which is why we count none of it for you by default. Use every credit you don't have to earn and the Amex Platinum gives back $2,904 a year. Review each credit below and include only what you realistically expect to use or earn.

Did this answer help?

Which Amex Platinum credits require enrollment?

These credits require you to opt in through your account before they'll post: $300 Digital Entertainment Credit, Car Rental Elite Status, Priority Pass, Leaders Club Sterling Status (LHW), Hilton & Marriott Gold status, $300 Equinox Credit, $200 Oura Ring Credit, $300 lululemon Credit, $400 Resy Credit, $200 Airline Fee Credit, American Express Venue Collection™ Concessions Statement Credit. If you don't enroll, you get nothing — even after you spend.

Did this answer help?

What perks are not counted in the Net Value?

WorthTheFee excludes any benefit without a fixed, verifiable dollar value — things like elite status, lounge access, or trip insurance. They're real, but we won't put a fake price on them.

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Methodology & account

How does WorthTheFee calculate value?

We sort every credit into three buckets: Automatic (included in the WTF Check with no selection required), Yours if you use it (available only if you actually use it), and Perks you value (requires spending or qualifying activity). Your verdict adds Automatic value to the value you select—never the bank's marketing total.

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How often are these credits and values updated?

Every credit here is read from the issuer's own published terms by a person, who records the source link and the date. The date on this page is that date — it is when we last checked, not a promise about when we will check next. When a term changes we log it to our terms-history so you can see exactly what shifted and when, and if a credit's reset window changes, your reminders update too.

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Will my annual fee change?

Issuers raise fees occasionally — usually with 30–60 days notice. If we detect a fee change on a card in My Wallet, it shows in your Alerts, under Deadlines. You can always downgrade or cancel before the renewal posts.

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Do affiliate links change the math?

No. No card issuer pays us. Some merchant links may earn us a commission. Your verdict never does. The numbers don't move. The answer doesn't change. If the math says Cancel, we say Cancel.

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Can I save my verdict?

Yes—your current selections are kept in this page's URL automatically. Create a free account to save your verdict to My Wallet and get reminders before each credit's reset window closes.

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Still unsure?

Read full methodology →⇄ Compare with another card Still have questions? Contact us

Official sources

Every fee, credit and restriction on this page is taken from American Express’s own published pages — never from a blog, forum or affiliate roundup. WorthTheFee is not the issuer and is never paid to change a verdict.

Verified against official issuer sources on September 28, 2026. Issuers change terms without notice. Confirm on the issuer page before applying.

Full breakdown: is the Amex Platinum worth the fee? →

Which other cards give you these?

These 12 credits each have their own page, listing every card that carries them with the issuer’s stated maximum on each.

$300 Equinox Credit $600 Hotel Credit American Express Venue Collection™ Concessions Statement Credit $219 CLEAR+ Credit $200 Airline Fee Credit $200 Oura Ring Credit Fee Credit for Global Entry or TSA PreCheck®$120 Uber One Credit $400 Resy Credit $300 lululemon Credit $300 Digital Entertainment Credit $200 Uber Cash — $20 in December

Estimate · $1,452 used vs. $895

+$557