The Platinum Card from American Express

The Amex Platinum is an $895-a-year travel-and-lifestyle card built around credits and lounges rather than spend rewards, carrying over $3,500 in annual statement-credit value for anyone who works through what is on the menu. It earns 5x on flights and prepaid hotels booked through Amex Travel and 1x everywhere else, which positions it as a complement to a points-earning card rather than a daily driver. The card pays off if you travel often, eat at Resy restaurants, and value lounge access. It punishes anyone who cannot keep up with the monthly enrollment dance for Uber, Walmart+, and the digital entertainment partners.

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The Platinum Card from American Express card art

Metal card

Annual fee

$895

$74.58/mo equivalent
Welcome offer

175,000 points

≈$2,625 at our valuation
after $12,000 in 6 months
Recommended credit

700-810

Median 760. See why →

Earning rates

on American Express Membership Rewards

5x

Flights

Cap $500,000
5x

Prepaid Hotels

via portal
1x

Everything else

Benefits and credits

Travel credits and perks

$200 Airline Fee Credit

$200/year
$209 CLEAR+ Credit

$209/year
$600 Hotel Credit (FHR + Hotel Collection)

$300 semi-annual
Car Rental Privileges
Cruise Privileges Program
Fee Credit for Global Entry or TSA PreCheck

$120 every 4 years
Fine Hotels + Resorts Perks
Platinum Card Concierge
Platinum Destinations Vacations
Platinum Member Airfares
Premium Global Assist Hotline

Lifestyle credits

$100 Saks Fifth Avenue Credit

$50 semi-annual
$120 Uber One Membership Credit

$120/year
$155 Walmart+ Monthly Membership Credit

$12.95/month
$200 Oura Ring Credit

$200/year
$200 Uber Cash

$15/month
$300 Digital Entertainment Credit

$25/month
$300 Equinox Credit

$300/year
$300 lululemon Credit

$75/quarter
$400 Resy Credit

$100/quarter
American Express Venue Collection
Amex Special Ticket Access
Premium Events Collection

Purchase and protection benefits

Cell Phone Protection

Up to $800
Extended Warranty

Up to $10,000
Purchase Protection

Up to $10,000 · 90d
Return Protection

Up to $300 · 90d

Lounge access

Centurion Lounges

Unlimited visits

2 guests

Same-day flight required
Delta Sky Club

10 visits / year

Same-day flight required
Priority Pass Select

Unlimited visits

Restaurants included

Elite status conferred

hilton honors

Gold
leading hotels of the world

Sterling
marriott bonvoy

Gold Elite

Travel and purchase coverage

Lost luggage
Rental car collision damage waiver

Secondary coverage
Trip cancellation and interruption
Trip delay reimbursement

Delay threshold 6h

After 6h delay

Pricing and fees

Full Pricing and Terms

Pay Over Time APR: 19.49% to 28.49%
Foreign tx: None
Penalty APR (cap): 29.99%
Balance transfer: Not applicable; Fee Not applicable
Cash advance: 28.74%; Fee $10 or 5.00%, whichever is greater
Late / returned: $40 · $40

Eligibility and application

Card type

Personal charge card
Pre-qualification

Soft-pull pre-qualification available
Application inquiry

Hard credit inquiry on submission
Approval bureau

Not disclosed by issuer
Authorized user fee

$195
Reports AU to bureaus

Conditional

Reports only positive activity, and only once the AU is 18+. Negative reporting on the primary is removed from the AU's file.
Issuer policy

How the recommended credit score is derived

Reported by users, not disclosed by the issuer. Synthesized from community-reported approval data points and cross-checked against industry editorial guidance for consensus.

5 data points reviewed

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Sources

Data current as of May 13, 2026 Report an inaccuracy

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Not financial advice

ccdeck is not a financial advisor. Information here is for educational purposes only. Confirm card terms with the issuer before applying.