✈ Which card provides a higher net value based on my spending: Amex Gold or Platinum?

Finn

This calculator offers a practical way to compare the net value of the Amex Gold and Platinum cards based on your actual spending and ability to use their statement credits. It smartly includes a check for whether you carry a balance, rightly advising that paying off high-interest debt beats chasing travel rewards. However, the math currently uses an $895 annual fee for the Platinum card instead of the standard $695, and it misses the Gold card's 3x point multiplier on flights. You'll want to mentally adjust the final numbers to account for these discrepancies before making a decision.

Reviewed v26.8.0