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American Express

The Platinum Card from American Express

The Amex Platinum is an $895/year travel-and-lifestyle card built around credits and lounges rather than spend rewards, with over $3,500 in annual statement-credit value if you actually use what is on the menu. It earns 5x on flights and prepaid hotels through Amex Travel but only 1x everywhere else, which makes it a complement to a points-earning card, not 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.

See current offer Issuer terms
The Platinum Card from American Express card art
Metal card
  • Annual fee
    $895
    $74.58/mo equivalent
  • Welcome offer
    175,000 points
    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 one-time
  • 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
    Not disclosed

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

Similar cards

Cards with the most in common, based on the math.

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    The Sapphire Reserve is the premium tier of Chase's Ultimate Rewards ecosystem at $795 a year, designed for travelers who book through Chase Travel and want a lounge network to back up the math.

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    The Amex Green is the entry-tier charge card in Amex's lineup, with 3X on the categories travelers care about most: restaurants worldwide, transit worldwide, and travel.

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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.