Updated April 2026
Amex Gold vs Platinum Value Calculator:
Find Your Best Card in 60 Seconds
Enter your real spending and check only credits you would genuinely use. The calculator tells you which card costs less per year based on your actual life.
Your Monthly Spending
$600/mo
$400/mo
4-6
1-3
0
Centurion Lounge available at JFK
Credits You Would Actually Use
Be honest -- only check credits you genuinely use or would use without changing behaviour.
Gold Credits
Platinum Credits
Gold Card
Annual fee-$325
Credits used+$324
Points value+$765
Net annual cost+$764
Platinum Card
Annual fee-$895
Credits used+$640
Points value+$285
Lounge value+$250
Net annual cost+$280
Annual Points Earned
51,000
Gold
19,000
Platinum
Points valued at 1.5 cents/point (airline transfer average). Actual value depends on redemption strategy.