Pros & Cons

Pros

  • +Welcome Bonus: 175,000 points
  • +Up to 5x on travel
  • +Lounge access included

Cons

  • High annual fee ($895/yr)

Our Review

Unlock Premium Travel & Lifestyle Benefits with The Platinum Card® from American Express

Welcome Offer: 80,000 Membership Rewards® points after spending $8,000 in eligible purchases in your first 6 months of Card Membership.

The Platinum Card® from American Express delivers exceptional value for travelers and lifestyle enthusiasts. With this premium card, you’ll enjoy:

  • 5X Membership Rewards® points on flights and prepaid hotels booked through American Express Travel®
  • Global Lounge Collection® access to over 1,550 airport lounges including Centurion Lounges and Delta Sky Clubs®
  • $600 Hotel Credit annually on Fine Hotels + Resorts® or The Hotel Collection bookings
  • $400 Resy Credit plus exclusive Platinum Nights by Resy restaurant reservations
  • $320 Uber benefits ($200 Uber Cash + $120 Uber One membership credits)
  • $300 Digital Entertainment Credit ($25 monthly for eligible streaming services)
  • $300 lululemon Credit ($75 quarterly)
  • $209 CLEAR® Plus Credit annually
  • $200 Airline Fee Credit with your selected qualifying airline
  • $155 Walmart+ Credit for monthly membership
  • $100 Saks Fifth Avenue Credit ($50 semi-annually)

The Platinum Card® offers premium early check-in and guaranteed 4PM late checkout at Fine Hotels + Resorts® properties, helping you maximize your vacation time.

With dedicated 24/7 Member Services support and a suite of benefits that deliver over $2,500 in potential annual value, The Platinum Card® stands apart as a premium travel and lifestyle companion.

Rewards

All Spending

1x

American Express Membership Rewards pts per dollar

Travel

5x

American Express Membership Rewards pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

¢/ point
0.50¢
Groceries1x
$700/mo
Gas & EV1x
$200/mo
Transit1x
$100/mo
Restaurants1x
$300/mo
Pharmacy1x
$50/mo
Travel5x
$150/mo
Bills & recurring payments1x
$250/mo
Telecom1x
$150/mo
Entertainment & streaming1x
$100/mo
Office supplies1x
$0/mo
All other spending1x
$500/mo

Points Earned

37,200

American Express Membership Rewards/yr

Estimated Value

$372

After Fees

$-523

1st Year Value

$1,227

incl. welcome bonus

Breakdown

Groceries$8,400/yr × 1x8,400 pts
Gas & EV$2,400/yr × 1x2,400 pts
Transit$1,200/yr × 1x1,200 pts
Restaurants$3,600/yr × 1x3,600 pts
Pharmacy$600/yr × 1x600 pts
Travel$1,800/yr × 5x9,000 pts
Bills & recurring payments$3,000/yr × 1x3,000 pts
Telecom$1,800/yr × 1x1,800 pts
Entertainment & streaming$1,200/yr × 1x1,200 pts
All other spending$6,000/yr × 1x6,000 pts
Total annual spend$30,000
Total monthly spend$2,500
Average earn rate on spend per year1.24x
Total points earned37,200 pts
Value of points accumulated in the first year$372

Annual benefits

  • $400
  • $600
  • $300
  • $200
  • $200
Total benefits$0

Perks & Benefits

Airport lounge access

Priority PassUnlimited (Inscription requise ; frais d'invité désormais possibles.)
Amex Centurion LoungeUnlimited (Illimité pour le titulaire principal.)
Delta Sky Club10 visits

NEXUS membership

Included

Resy dining credit

$400

Fine Hotels + Resorts / Hotel Collection credit

$600

Digital entertainment credit

$300

Airline fee credit

$200

Uber Cash

$200

Additional Benefits

Premium Global Assist Hotline: available 24/7 for coordination and assistance with services such as lost passport replacement assistance, translation services, missing luggage assistance and emergency legal and medical referrals while traveling more than 100 miles from home; emergency medical transportation/evacuation may be provided at no cost only if approved and coordinated by Premium Global Assist Hotline (Premium Global Assist Hotline Benefit Guide). Return Protection: if you try to return an eligible item within 90 days from the date of purchase and the merchant won't take it back, American Express may refund the full purchase price, up to $300 per item, excluding shipping and handling charges, and up to a maximum of $1,000 per Card Member account per calendar year (Return Protection Benefit Guide). $400 Resy Credit (up to $100 in statement credits each quarter on eligible Resy purchases, enrollment required); $300 Digital Entertainment Credit (up to $25 in statement credits each month at participating partners); Global Dining Access by Resy; $300 lululemon Credit; $155 Walmart+ Credit; $200 Oura Ring Credit; $300 Equinox Credit. Travel benefits: Global Lounge Collection®: over 1,550 airport lounges and over $850 of annual value, with access to Centurion Lounges, 10 Delta Sky Club visits when flying on an eligible Delta flight, Priority Pass membership (enrollment required) and other select partner lounges; Fine Hotels + Resorts® — a suite of benefits with an average total value of $550 in perks at over 1,800 properties worldwide, including guaranteed 4pm checkout; The Hotel Collection (minimum two-night stay). Travel credits: $600 Hotel Credit: up to $300 back in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel®; $200 Airline Fee Credit — up to $200 per calendar year in statement credits after incidental fees are charged by your one selected qualifying airline; $219 CLEAR+ Credit per calendar year; $200 Uber Cash — $15 in Uber Cash each month plus a bonus $20 in December, for rides and orders in the U.S.; $120 Uber One Credit per calendar year after purchasing an auto-renewing Uber One membership with the Card. Fee Credit for Global Entry or TSA PreCheck®: a statement credit every 4 years for either up to $85 for the TSA PreCheck® application fee (when applying through a TSA official enrollment provider) or $120 for the Global Entry application fee. Lounge access: The Centurion® Lounge.

Travel Insurance

Trip Cancellation

Up to $10,000

Trip Interruption

Up to $10,000

Lost Baggage

Up to $3,000

Flight Delay

Up to $500

Purchase Protection

Purchase Protection

Up to $10,000 / 90 days

Extended Warranty

+1 years

Mobile Device

Up to $800

Auto Rental Collision (secondary)

Up to $75,000 / 30 days

View the insurance certificate (PDF)

Fees and interest rates

  • Annual Fee
    $895
  • Foreign currency conversion fee
    0%

Terms & Conditions

Card Features

  • Current welcome offer of 80,000 Membership Rewards® points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
  • Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
  • More Value! With over 1,550 airport lounges – more than any other credit card company on the market* – enjoy the benefits of the Global Lounge Collection®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges. * As of 07/2025.
  • More Value! $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
  • More Value! $300 Digital Entertainment Credit: Get up to $25 in statement credits each month after you pay for eligible purchases with the Platinum Card® at participating partners. Enrollment required.
  • More Value! $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
    New! $400 Resy Credit + Platinum Nights by Resy: When you use the Platinum Card® to pay at U.S. Resy restaurants and to make other eligible purchases through Resy, you can get up to $100 in statement credits each quarter with the $400 Resy Credit benefit. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you, enrollment required.
  • More Value! $209 CLEAR® Plus Credit: CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. You can cover the cost of a CLEAR Plus Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR Plus with the Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account*. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
  • Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in upon arrival, when available, and guaranteed 4PM check-out.
  • New! $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
  • $155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card®. *Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
  • $100 Saks Credit: Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on the Platinum Card®. That’s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. No minimum purchase required. Enrollment required.
  • Whenever you need us, we’re here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
  • $895 annual fee.
  • Terms Apply.

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