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The Platinum Card® from American Express

The Platinum Card® from American Express

Earn 80,000 Points

after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership.

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Annual Fee

$695

Rewards

Earn 80,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.

Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card®.

$240 Digital Entertainment Credit: Get up to $20 back each month on eligible purchases made with your Platinum Card® on one or more of the following: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times. Enrollment required.

$155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax. Plus Ups are excluded.

American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. There are even more places your Platinum Card® can get you complimentary entry and exclusive perks.

$200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.

$200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.

Get up to $300 back per calendar year on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card. Enrollment required. Learn more.

Breeze through security with CLEAR® lanes available at 100+ airports, stadiums, and entertainment venues and get up to $189 back per calendar year on your membership when you use your Card. Learn more.

Terms Apply.

APR on Purchases

See Pay Over Time APR

Balance Transfer

Balance Transfers Not Allowed

WalletHub Review

by John Kiernan

December 2nd, 2022

American Express Platinum card Pros & Cons

80,000 points offer

Hundreds in annual credits

$695 annual fee

Limited financing capabilities

No preset spending limit

American Express Platinum card Review

The Platinum Card® from American Express is a very good card for high-spending frequent travelers with credit scores of 700+. The American Express Platinum card has a pricey annual fee, at $695, but it is worth the cost for people who earn the card's initial bonus (80,000 points... show more

View 688 User Reviews

American Express Platinum card's Additional Info

cash advance fee

5% (min $10)

cash advance APR

28.99% (V)

foreign transaction fee

smart chip

Yes, chip-and-PIN

max late fee

$40

max overlimit fee

Not Applicable

max penalty APR

See Rates & Fees

grace period

25 days

Apply Now

at American Express' secure site

$695 annual fee.

This American Express Card has no preset spending limit, giving you purchasing power that adjusts with your use of the card. No preset spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors including spending patterns, your payment history, your credit history, and financial resources known to us.

Apply Now

at American Express' secure site

The Platinum Card from American Express FAQ

Can't find what you are looking for? Submit your question about The Platinum Card® from American Express to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.

How many points per dollar does Amex Platinum give?

Upvotes

John Kaves

The American Express Platinum card points per dollar earnings are as follows: 5 points per $1 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 through Amex, and 1 point per $1 on all other purchases.

In addition to these ongoing rewards, the American Express Platinum card also offers new cardholders an initial bonus of 80,000 points for spending $6,000 in the first 6 months. Charges for travelers' checks, prepaid cards, gift cards, cash equivalents such as lottery tickets, fees and interest do not earn points.

More info about the American Express Platinum card points:

American Express Platinum card points are worth 1 cent each when redeemed for airfare or stays at Fine Hotels & Resorts properties booked through the American Express Travel portal. Points used for most other forms of travel are worth just 0.7 cents each, however. In addition, points are worth 1 cent each toward most gift cards, 0.6 cents toward statement credits or 0.7 cents when using the Pay with Points feature for purchases at major retailers like Amazon or Best Buy.

Just remember that American Express Platinum card point values are subject to change. Visit the Membership Rewards Points calculator website for current point values and other redemption options. American Express Platinum card points do not expire as long as your account isn't closed due to inactivity and you keep your account in good standing. Points are forfeited when losing an account, so make sure to redeem them before that.

Which is better, FoundersCard or Amex Platinum?

Upvotes

Archie Conway, WalletHub Financial Advisor

The American Express Platinum card card is better than FoundersCard across the board. FoundersCard is a membership card designed for entrepreneurs and small business owners. It offers discounts on travel and business services along with networking opportunities. It is neither a credit card nor a charge card, however, which means...

How does American Express Platinum trip cancellation insurance work?

Upvotes

Joseph Bulebush, WalletHub Analyst

American Express Platinum card trip cancellation insurance covers non-refundable travel expenses purchased with American Express Platinum card, up to $10,000 per trip and $20,000 per eligible card every 12 consecutive months, if a cardholder has to cancel because of unforeseen events. Covered events include inclement weather, jury duty, accidental...

How do I destroy my Amex Platinum card?

Upvotes

Gina Marte, WalletHub Advisor

There is no need to destroy your American Express Platinum card. Simply return the American Express Platinum card to American Express instead. Amex launched its own credit card recycling program in 2020 to ensure that customers' expired and defective cards are disposed of properly. Call customer service at (800)...

Does Amex Platinum offer any deals on Amazon?

Upvotes

Jamie Thompson, WalletHub Analyst

No, the American Express Platinum card doesn't offer any deals on Amazon at the moment. But you can still use your American Express Platinum card's Shop with Pointsfeature to redeem points on Amazon.com purchases. Keep in mind that points are worth only 0.7 cents each when redeemed this...

What is Amex Platinums lounge guest policy?

Upvotes

Emilia Stark

The American Express Platinum card's lounge guest policy gives 1-2 guests free access to most American Express Platinum card lounges, when accompanied by the primary accountholder or an authorized user. Passes for additional guests generally range from $25 to $65, depending on the lounge network.

The American Express...

View more answers

Why is my Amex Platinum Uber credit not working?

Upvotes

Joseph Bulebush, WalletHub Analyst

If the Amex Platinum Uber credit is not working, the Uber app may need to be updated. To download the latest version of the app, visit Google Play for Android mobile devices or the Apple App Store if using an iPhone, iPad or Apple Watch.

Once you've updated the...

Does a JetBlue gift card count toward the American Express Platinum airline credit?

Upvotes

Karen Moroz, WalletHub Mortgage Analyst

JetBlue gift cards do not count toward the American Express Platinum airline fee credit. The annual $200 credit can only be applied to incidental charges on an American Express partner airline. JetBlue is a partner airline, but gift cards are not eligible charges. Besides, JetBlue doesn't actually sell gift cards...

Does American Express Platinum offer perks with United Airlines?

Upvotes

Robert Sambrick, WalletHub Analyst

Amex Platinum's United Airlines perks include 5 points per $1 spent on airfare booked directly with United Airlines or through American Express Travel, and an annual $200 airline fee credit. Cardholders can apply the credit toward incidentals such as United baggage fees, in-flight food and drink purchases, airport lounge...

How much is the Amex Platinum minimum payment?

Upvotes

Joe Baird

The American Express Platinum card minimum payment will be the sum of any payment plan due and your Pay In Full New Balance. Any balance not included in your payment plans will be due in full.

One of the most common American Express Platinum card payment plans is the ...

Compare The American Express Platinum card

The Platinum Card® from American Express

Chase Sapphire Reserve®

American Express® Gold Card

(688)

(290)

(427)

Purchase Intro APRNot Offered

Transfer Intro APRNot Offered

Regular APRSee Pay Over Time APR

Regular APR20.74% - 27.74% (V)

Regular APR19.74% - 26.74% (V)

Rewards Rate1 - 5 points / $1

Rewards Rate1 - 10 points / $1

Rewards Rate1 - 4 points / $1

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Rates & FeesTerms Apply

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American Express Platinum card Reviews

Share your insights and review the The Platinum Card® from American Express

3.9

What's Your Rating?

Chelsea Marie
December 11, 2013 • @chels8215

The Platinum Card from American Express is a card for those that have excellent credit. The outrageous annual fee of $450 when looked at after examining the benefits this card offers isnt all that outrageous anymore. You get unlimited free 2 day shipping from amazon. That in itself if you shop a lot on amazon would pay for itself. You also get 25,000 reward points if you spend $2,000 within the first 3 months. One negative about this card is that the balance must be paid in full each month. This is a VIP card truly with the perks it offers, and in my opinion blows a lot of other rewards cards out of the water. I highly recommend this card if you qualify.

Comment

jason buonomo
December 8, 2013 • @chicago17

Ok, let’s talk about the elephant in the room, and I’m talking about the $450 dollar annual fee. Is it worth it? Do you purchase a lot of stuff from amazon, because if you do, the unlimited free two-day shipping could save you lots of money if you do, easily overcoming that annual fee. But then again, that’s only for the first year. After that, you have to pay to keep Amazon Prime. How about the 25,000 reward point you get when you spend $2,000 in the first three months. That’s a nice bonus, but it’s also a one-time deal. After you get that bonus, there are no more like it. So what it boils down to is that there are no real perks after the first year of ownership to offset that $450 annual fee. My advice, keep looking.

Comment

Nick Davis
December 5, 2013 • @wonder_friend_14

I've been using The Platinum Card from American Express for over a year and couldn't be any happier. The annual fee is a very pricey $450 but they start you off with some benefits. A free year of Amazon Prime and Premium Access are great. Amazon Prime alone can save hundreds of dollars if you're a big online shopper. With all that shopping you'll also bump up your reward points. If you can look past the annual fee, The Platinum Card from American Express is great to have.

Comment

Connie Carlile
November 25, 2013 • @connie_carlile

The Platinum Card from American Express has a huge annual fee of $450, but it also comes with a lot of benefits. There is no interest rate because the balance has to be paid in full every month. You get Amazon Prime for free which normally costs $79. The reward points offer a lot of benefits if you’re a big spender as well and it comes with bonus points with some qualification steps needed. There aren’t many other cards like this card to compare it to, but it would be perfect if you never carry a balance and want a lot of rewards. Otherwise you should just get a traditional card.

Comment

Eric May
November 21, 2013 • @eric.may.963

The Platinum card from American Express is the epitome of a practical and elegant credit card. The only reason I could see why an individual may not like it is because of the 495 dollar annual fee. The fee is easily compensated with the perks regarding this card. For example, you get 25,000 rewards points for spending 2,000$ in the first 3 months. The amazon prime is also a plus, and I have also used many of the perks regarding Ticketmaster presale concerts as well. The platinum card is also practical when travelling, because of the non-existent fee. Their customer service is world class, and I have never had an issue, and by itself is almost worth the fee. I would recommend this card to anyone that wants something better from their credit card company.

Comment

Quinn Carter
November 8, 2013 • @quinn_carter_94

This platinum card would be perfect, apart from the huge annual payment fee. I guess when you are earning enough money $450 doesn't matter. I do like the automatic $25k rewards after you spend 2 grand in this first month. However, I have seen cards that offer you large rewards for spending in the first few months which do not have a yearly fee. I also don't understand why the balance must be paid in full each month. What's the point of having a credit card if you can't carry a balance? Although the rewards seem great, I think there is more bad to this card than good.

Comment

Krystal Marie
November 5, 2013 • @krystalm1

I understand the Platinum Card from American Express has a lot of perks but a annual fee of $450 really blows my mind. I would hope if it costs you $450 annually it would provide plenty of overwhelming perks to cancel out the annual fee. I believe that is quite high compared to other credit cards. Also, your balance has to be paid in full each month, a big negative. I don't really see the point of this card unless you travel very frequently and can take full advantage of the reward points. The only plus I really liked about this card is the entertainment benefits. I would enjoy being able to get advanced tickets but it says by invitation only. Another red flag for me. I also prefer Visa and Mastercard over American express, just a personal preference. Just because it is perceived as elite or high end doesn't make it a great card. There is no credit limit which is a positive, but I don't think it outweighs all the negatives.

Comment

Linda Gray
October 29, 2013 • @linda.gray.716970

I like that The Platinum Card from American Express has so many perks associated with it. One of my favorites, is the premium travel benefits. Traveling is stressful enough, but being a member of the Priority Pass Select means receiving preference treatments at airports. While everybody else have to wait at the gates, member of the Priority Pass select can wait at a VIP lounge, which is really cool, especially if you have a long connecting flight.

What I don’t like about the credit card is that you have to pay the full balance every month, which can be good or bad, depending on the situation.

Comment

Amanda Sullivan
October 24, 2013 • @asulli90

There are a handful of advantages to the American Express Platinum Credit Card, especially for travelers who can take advantage of their annual $200 incentive for flight fees. The "VIP" treatment this card gives you when purchasing event tickets is also really neat, especially if you're a concert dweller that loves getting front and center. This card is definitely made for a thrill seeker and the 25k reward points in the beginning is just about enough to make even the fuddiest of duddies want to seek some thrills. The fees aren't much higher than the competitors and the interest rate is also comparable,however; the annual fee is incredibly high, but understandable for someone wanting a "prestige" credit card.

Comment

Andrea Leonard Targonski
October 21, 2013 • @andrea_leonardtargonski

The American Express Platinum Card is a must-have for frequent travelers. The reward points and perks cardholders receive are pretty awesome. The lounges available to cardholders and the $200 statement credit for use toward baggage fees and other travel expenses are really useful for business travelers. I have another rewards card (Chase Disney Visa) and it doesn’t even compare to the perks associated with the Amex Platinum Card. The annual fee is quite high, but is pretty much offset by the rewards you receive when you use the card. The fact that there is no foreign transaction fee is also very convenient for travelers, making this the ideal card for anyone who frequently goes overseas. There is no pre-set spending limit, allowing for even more flexibility.

Comment

Review The Platinum Card® from American Express

Expert Thoughts on American Express Platinum card

To help people learn more about The Platinum Card from American Express, WalletHub's editors posed the following questions to a panel of experts. You can meet our panelists and read their responses below.

When does it make sense to consider a credit card with a triple-digit annual fee?
How do you think COVID-19 has impacted travel-centric credit card offers?
Who do you think benefits the most from the American Express Platinum Card’s Uber benefit: cardholders, American Express or Uber?

Dipra Jha
Assistant Director, Scholarly Associate Professor, School of Hospitality Business Management, Carson College of Business, Washington State University
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Jerry Agrusa
Ph.D., Professor, School of Travel Industry Management, Shidler College of Business, University of Hawaii at Manoa
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Brian Margulis
Assistant Clinical Professor, Heller College of Business at Roosevelt University
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Justin Taillon
Professor, Department Head, Hospitality & Tourism Management, Highline College
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Richie Karaburun
Ph.D., Clinical Assistant Professor, NYU School of Professional Studies, Jonathan M. Tisch Center of Hospitality
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Lynn M. Jamieson
Professor and Former Chair, Indiana University Bloomington
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The Platinum Card® from American Express

The Platinum Card® from American Express

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APR on Purchases

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WalletHub Review

American Express Platinum card Pros & Cons

American Express Platinum card Review

American Express Platinum card's Additional Info

The Platinum Card from American Express FAQ

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