Free calculator
Oro or Platino? Calculate which really earns back its fee.
Enter spending, points and benefits you would actually use. Get a personal result straight away, without counting benefits you will not use at their full value.
Calculate now, no email needed
Instant calculator
Include only the benefits you would actually use
The result updates automatically. Welcome bonuses are excluded because they change over time.
The model uses €40 per lounge visit and €8 per Fast Track use. You can refine each assumption in the Excel file (in Italian).
What really matters
In your scenario, points are worth €60 on both cards. The choice depends on the fee and the benefits you would use without spending more than you need to.
Advanced version
Download the Italian Excel file to save more scenarios
The online calculator is enough to help you decide. Use Excel if you want to change every assumption, keep your data and compare several profiles over time.
Enter your spending
Estimate how much you would actually spend with the card in one year.
Value the benefits
Count only lounges, insurance and benefits you would use.
Read the net result
Compare the value you get with the fee, then try different scenarios.
The file helps you think through the choice, but official fees, coverage and terms must be checked again before applying for a card.
Free resource
Get the file and try your scenarios
Enter your email: the original Italian advanced file unlocks immediately and you also receive the link by email.
Downloadable files are currently in Italian. Product and tax examples relate to Italy.
Inside the file
What is actually compared
Fee and break-even point
See how much value you need to recover before the card becomes worthwhile.
Benefits you would use
Assign value only to lounges, insurance and benefits that are genuinely useful to you.
Membership Rewards points
Enter your spending and estimate the points value based on how you expect to use them.
Travel scenarios
Compare different profiles without treating every benefit as cash.
The most important rule
A benefit is worth what you would actually use, not its advertised value.
Related video
Amex Oro or Platino? I built a calculator to work out which is worth it (Italian video)
Watch the video version of this guide
Open on YouTube →From video to calculation
The video explains the approach; the calculator applies it to your numbers
Use the calculator above with the fee, spending and benefits you would actually use. The linked guides help you check the terms that the calculation cannot verify for you.
Related guides (Italian)
Before choosing between Oro and Platino
The same terms used by the calculator, explained in full: fees, bonuses, benefits and criteria for choosing.
- Amex Oro: when it is worth it (Italian)Fees, bonuses and terms to understand whether Oro pays for itself with your actual use.Read the guide (Italian)
- Amex Platino: when it makes sense (Italian)Costs, benefits and the spending profile where Platino beats Oro.Read the guide (Italian)
- How to use Membership Rewards points (Italian)Redemption options and criteria for assigning a verifiable value to your points.Read the guide (Italian)