Christie Matherne, Credit Card Writer
@christie_matherne
The Platinum Card® is special because it is a premium metal card that offers big-spenders elite perks. Benefits include airport lounge access, annual travel credits, 24/7 concierge service, and more. Plus, you can earn 1 - 5 points per $1 spent on purchases.
What Makes Platinum Card® So Special
- Travel benefits: Airport lounge access, annual travel credits, Global Entry/TSA PreCheck® credit, hotel elite status, and more. Enrollment is required for some of these benefits.
- Rewards program: 5 points per $1 spent on flights booked with airlines or with American Express Travel® (up to $500,000 spent per year), 5 points per $1 spent on prepaid hotels booked with American Express Travel®, and 1 point per $1 spent on all other eligible purchases. The rewards are redeemable for travel, shopping, statement credits, and more.
- Generous welcome bonus: You may be eligible to earn as high as 175,000 points for spending $8,000 on eligible purchases within the first 6 months (welcome offers vary and you may not be eligible for an offer; apply and, if approved, find out your offer amount and accept the card with your offer, spend $8,000 in 6 months, and receive the points).
- Premium perks: 24/7 concierge service, access to premium dining experiences and other special events, luxury hotel perks, and more.
- Annual credits: Statement credits for Walmart+ membership, digital entertainment, Uber Cash, travel, and more. Enrollment is required for these benefits.
- Flexible payment options: Pay Over Time feature allows you to carry an interest-accruing balance, up to a limit. Charges not added to the Pay Over Time balance must be paid in full each month by the payment due date (see Rates & Fees).
Please note that this card comes with a $895 annual fee. To learn more, check out WalletHub’s full Platinum Card® review.
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People also ask
How much income do you need for the American Express Platinum Card®?
American Express has not publicly disclosed the income needed for the American Express Platinum Card®, but you must have a steady source of income to get this card. You need to demonstrate the ability to pay the card’s $895 annual fee and the entire balance in full, when applicable.
Other Platinum Card® Approval Requirements
It is worth noting that you typically need at least good credit to be eligible for this card. If you don’t know where...
read full answer by Joseph Bulebush, WalletHub AnalystIs the American Express Platinum Card® worth the annual fee?
Yes, the Platinum Card® is worth its $895 annual fee if you qualify for its welcome bonus offer and take full advantage of benefits such as airport lounge access and airline fee credits. With the ability to earn rewards on everyday purchases and the luxury perks, it can provide significant value for those who travel frequently or prioritize premium experiences.
Platinum Card® Benefits
Welcome Bonus:
You may be eligible to earn as high as 175,000 points for spending $8,000 on eligible purchases within the first 6 months (welcome offers vary and you may not be eligible for an offer; apply and, if approved, find out your offer amount and accept the card with your offer, spend $8,000 in 6 months, and receive the points).
Statement...
read full answer by Lisa Cahill, Credit Cards ModeratorIs the American Express Platinum Card® prestigious?
American Express Platinum Card® is a prestigious metal card designed for big spenders who travel often. It offers generous perks such as a substantial initial bonus, valuable ongoing rewards, concierge service, and airport lounge access in return for its $895 annual fee.
Top Platinum Card® Rewards & Perks
- You may be eligible for as high as 175,000 Membership Rewards® points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- 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.
- Terms Apply.
Keep in mind that the best American Express cards aren’t necessarily the most prestigious and exclusive ones. Amex has a range of card offers with rewards for various spending habits. If exclusivity isn’t...
read full answer by Maria Adams, Credit Cards ModeratorDid we answer your question?
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