CALCULATOR/AMERICAN EXPRESS PLATINUM (MORGAN STANLEY)

Is the American Express Platinum (Morgan Stanley) worth it?

11 credits worth $2,976 at face value against a $895 fee. Turn off what you won’t use and the number at the bottom is your answer.

YOUR CARD

YOUR FEE

$895

Statement and merchant credits11 OF 11 ON

SET ALL TO

Then change any row.

Airline Fee Credit$200 / Calendar Year face

/yr

Hotel Credit$300 / Every 6 Months face

/yr

Uber Credit$15 / Monthly face

/yr

Uber One Membership Credit$120 / Calendar Year face

/yr

Digital Entertainment Credit$25 / Monthly face

/yr

Walmart+ Subscription Credit$14 / Monthly face

/yr

Lululemon Credit$75 / Quarterly face

/yr

Equinox Credit$300 / Calendar Year face

/yr

Oura Ring Credit$200 / Calendar Year face

/yr

Clear Plus Credit$209 / Calendar Year face

/yr

Resy Dining Credit$100 / Quarterly face

/yr

Credits subtotal$2,679/yr

YOUR VERDICT

Credits at your values$2,679

Annual fee−$895

You come out ahead by$1,784

299% RETURN ON THE FEE

HOW YOU GOT HEREEverything set to 90% of face.