Travel · Calculator
Annual fee break-even calculator
Is a premium travel card worth the annual fee? Enter your spending and travel habits to see the real value — and whether the perks outweigh the cost.
Unlimited Priority Pass lounge access. Comprehensive travel insurance. Hotel perks & statement credits.
Already have travel insurance?
If yes, we exclude the insurance value from benefits
Annual value breakdown
Lounge access
4 visits × £35
Travel insurance
Standalone equivalent
Home spending rewards
1.5p per £1 on £18,000
Overseas spending rewards
1.5p per £1 on £3,000
Other benefits
Hotel perks, statement credits, etc.
Total benefit value
Annual fee
Forex fees on overseas spend
2.99% on £3,000
Net annual value
+£265.30
At your spending and travel levels, Amex Platinum (£650/yr) returns £265.30 more in value than it costs.