Check which perks you actually use to see if it's worth it
$200 Hotel Credit
$0
Annual credit for prepaid Fine Hotels & Resorts or The Hotel Collection bookings via Amex Travel
$200 Airline Fee Credit
$0
Annual credit for incidental airline fees (baggage, seat upgrades, etc.) on your selected airline
$200 Uber Cash
$0
$15/month in Uber Cash ($35 in December) for Uber rides and Uber Eats
$100 Saks Fifth Avenue Credit
$0
$50 semi-annual credit (Jan-Jun and Jul-Dec) at Saks Fifth Avenue
$240 Digital Entertainment Credit
$0
$20/month for select streaming subscriptions (Disney+, Hulu, ESPN+, Peacock, Audible, NYT)
$300 Equinox Credit
$0
Up to $25/month toward an Equinox+ digital fitness or Equinox club membership
$155 Walmart+ Membership
$0
Complimentary Walmart+ membership including free delivery, fuel discounts, and Paramount+
$199 CLEAR Plus Credit
$0
Statement credit covering CLEAR Plus membership for expedited airport security
Centurion Lounge Access
$0
Unlimited access to Amex's own premium airport lounges with food, drinks, and showers
Priority Pass Lounge Access
$0
Access to 1,400+ Priority Pass airport lounges worldwide
$100 Global Entry/TSA PreCheck
$0
Statement credit for Global Entry ($100) or TSA PreCheck ($85) every 4 years
Trip Cancellation Insurance
$0
Up to $10,000 per trip in trip cancellation/interruption coverage
Car Rental Insurance
$0
Secondary car rental loss and damage insurance when renting with the card
Hilton Honors Gold Status
$0
Complimentary Gold status with room upgrades, late checkout, and bonus points
Marriott Bonvoy Gold Status
$0
Complimentary Gold Elite status with room upgrades and late checkout
5x on Flights (booked via Amex Travel)
$0
Earn 5x Membership Rewards on flights booked via Amex Travel, valued at 2 cpp

American Express Platinum
American Express
Not Worth It
Value Utilization
Break-even: $695
Enter your monthly spending to see if a premium card pays for itself
Capital One Venture X Rewards
10x hotels & cars via Capital One, 5x flights, 2x everything else
Dining & Restaurants
Restaurants, bars, takeout, delivery
Groceries
Grocery stores, supermarkets, wholesale
Travel
Flights, hotels, car rentals, bookings
Gas & Transit
Gas stations, public transit, rideshares
Streaming & Entertainment
Netflix, Spotify, concerts, movies
Online Shopping
Amazon, general online retail
Everything Else
All other purchases
Worth the Fee!
Break-Even Analysis
vs. Best Free Alternative
Hilton Honors American Express Card
$0/yr · Earns $1181/yr