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The Platinum Card® from American Express

The Platinum Card® from American Express

Earn 100,000 Points

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

Apply Now

Annual Fee

$695

Rewards

Earn 100,000 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®. And if you fly, you can receive up to $200 in statement credits per calendar year after you select a qualifying airline and incidental fees are charged by the airline to 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.

$300 Equinox Credit: Get up to $25 back each month on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card®. Enrollment required.

$189 CLEAR® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership. CLEAR® is available at select airports and stadiums.

Terms Apply.

APR on Purchases

See Pay Over Time APR

Balance Transfer

Balance Transfers Not Allowed

Editor's Take

by John Kiernan

May 19th, 2022

American Express Platinum card Pros & Cons

100,000 bonus 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 can take advantage of the card's initial bonus... show more

View 676 User Reviews

American Express Platinum card's Additional Info

cash advance fee

5% (min $10)

cash advance APR

25.99% (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

Don't see what you're 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.

Is Amex Platinum part of the Membership Rewards program?

Upvotes

Karen Moroz, WalletHub Mortgage Analyst

Yes, the American Express Platinum card is part of the Membership Rewards program. Amex Membership Rewards allows American Express Platinum cardholders to earn points on eligible purchases and redeem them for travel, gift cards, merchandise and more. Cardholders are automatically enrolled, and there's no additional fee to use the program.

More info about the American Express Platinum card Membership Rewards

As an American Express Platinum cardholder, you'll earn 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 spent on purchases. Plus, new cardholders earn an initial bonus of 100,000 points for spending $6,000 in the first 6 months. American Express Platinum Membership Rewards point values vary depending on how you redeem them. You'll get the most value (1 cent per point) when you redeem points for airfare or certain hotel reservations directly through Amex Travel.

To access your Membership Rewards information, log in to your American Express Platinum card online account and find the “Membership Rewards” page under the Rewards menu.

Amex Platinum vs. Premier Rewards Gold: Which is better?

Upvotes

Ashley Wade, WalletHub Analyst

American Express Platinum card is better than Premier Rewards Gold Card for new applicants because only American Express Platinum card is still available. The Premier Rewards Gold Card card was rebranded as the Amex Gold card card in 2019, and all existing Premier Rewards Gold Card accounts were converted to ... show more

Is the Amex Platinum Equinox benefit still active?

Upvotes

Rhonda Stewart, WalletHub Loans Analyst

The Amex Platinum Equinox benefit is no longer active. Amex Platinum used to offer numerous free Equinox perks, such as 2 personal training sessions, spa discounts and guest passes, when purchasing an Equinox Fitness Club membership with an Amex Platinum or Platinum Business card. American Express dropped the benefit from... show more

What does Amex Platinum baggage insurance cover?

Upvotes

Cate Langs

The American Express Platinum card baggage insurance covers checked baggage and carry-on baggage that is lost or damaged by a travel provider. Coverage can be provided for up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage... show more

Can I use American Express Platinum to buy gift cards?

Upvotes

Michael Battle, WalletHub Credit Card Analyst

You can use American Express Platinum to buy gift cards, but some retailers may not allow it, to protect themselves from potential fraud. Other retailers may permit gift card purchases with an Amex Platinum card, but will often have limits on the dollar amount or number of cards per person,... show more

How does Amex Platinum points redemption work?

Upvotes

Jamie Thompson, WalletHub Analyst

You can redeem your American Express Platinum card points by logging in to your online account and clicking the "Rewards" tab to access the "Membership Rewards" page. American Express Platinum card redemption options include travel purchases, gift cards, statement credits and more. To begin redeeming points, choose your preferred redemption... show more

How does the Amex Platinum Pay with Points feature work?

Upvotes

Karen Moroz, WalletHub Mortgage Analyst

The American Express Platinum card Pay with Points feature allows you to redeem reward points toward the cost of purchases from more than a dozen retailers such as Amazon and Walmart. It's also possible to use Pay with Points for a charitable donation on the JustGiving website.

Here's how... show more

How do I change the airline for my Amex Platinum airline credit?

Upvotes

Archie Conway, WalletHub Financial Advisor

To change the airline for the American Express Platinum card annual airline credit, log in to your online account and click "Benefits." Then scroll to "Airline Fee Credit" and click "Learn More" to pick a replacement from among the 9 qualifying airlines. Or, call (800) 528-4800 and request... show more

Does American Express Platinum offer perks at Ritz-Carlton hotels?

Upvotes

Sue Patterson, WalletHub Analyst

Yes, the American Express Platinum offers perks at Ritz-Carlton hotels.

The Ritz-Carlton perks from American Express Platinum are Fine Hotels & Resorts (FHR) privileges at select properties and automatic Gold status in the Marriott Bonvoy hotel loyalty program. The FHR perk offers $100 in hotel-specific gifts, daily breakfast for... show more

Do you get priority boarding with Amex Platinum?

Upvotes

Gina Marte, WalletHub Advisor

American Express Platinum does not offer priority boarding. Priority boarding is a benefit that allows cardholders to get to their seat sooner than general boarding groups. The only American Express cards that offer priority boarding are Delta SkyMiles Platinum, SkyMiles Gold, and SkyMiles Reserve. The priority boarding status will be... show more

Compare The American Express Platinum card

The Platinum Card® from American Express

Chase Sapphire Reserve®

American Express® Gold Card

(676)

(270)

(418)

Purchase Intro APRNot Offered

Transfer Intro APRNot Offered

Regular APRSee Pay Over Time APR

Regular APR17.24% - 24.24% (V)

Regular APRSee Pay Over Time APR

Rewards Rate1 - 5 points / $1

Rewards Rate1 - 10 points / $1

Rewards Rate1 - 4 points / $1

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Rates & FeesTerms Apply

Apply Now

Rates & FeesTerms Apply

American Express Platinum card Reviews

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

3.9

What's Your Rating?

Chris
August 22, 2013 • @sharkmops

The Platinum Card from American Express is one of those cards you apply for just to see if you have the credit rating necessary to get approved. I mean, overall, it's a great card but I'm not sure if it's worth it completely. The rewards are outstanding and it definitely has many advantages of using it. But it does have some pretty significant downsides, such as the ridiculously expensive annual fee. The concierge service is great but only useful to a certain type of person who travels quite a bit. Depending on your lifestyle this card may be worth it to you, but to most? Probably not.

Comment

Magen Sumbera
May 6, 2013 • @magens

I have had The Platinum Card from American Express card for a while now and I love it. The annual fee pricy but it is well worth it for the benefits you get in return. There are too many benefits to list but some of my favorites is the 24/7-premium global assist hotline. If you run into a problem and need assistance with anything the hotline is most likely able to point you in the right direction and help you out. Another highlight is the Airport Club access you gain with the card, it is really nice to pop into these lounges and relax for a bit while traveling.

Comment

Elizabeth Smith
April 26, 2013 • @elizabeths_34

This is my go-to card in my wallet. I travel full-time for work, and I use this card for the majority of my airfare, hotel, rental car, and miscellaneous travel expenses. Although the annual fee is high, the perks are fantastic and well worth it. I use the access to airline clubs (American, Delta, and US) every week. I've also taken advantage of their reimbursement for the fees associated with the Global Entry program. Plus the card comes with access to cruise benefits, access to the American Express Fine Hotels and Resorts program, benefits with Hertz rental cars, and gold status with the Starwood Preferred Guest Program. The card earns American Express Membership Rewards which can be transferred to many frequent traveler program or used to purchase gift cards, travel, or other perks.

Comment

Ryan Usher
April 19, 2013 • @rusher

I wasn't impressed with this card, to be perfectly honest. I applied for it almost to prove to myself that I could get a good credit card which requires excellent credit, as a reward for painstakingly building it back up. What I got was a card with so many heavy fees and payment requirements that it felt like I had gotten one of those cards for people with poor or no credit. On top of that, there's the expected hassle of finding yourself someplace that just does not take American Express. It was a poor decision on my part and one I would not make again.

Comment

Maddie Priefert
March 1, 2013 • @maddiep1

While some may shy from a credit card with fees there are so many benefits from American Express that make it more than worth it! Apps like Foursquare allow you to receive discounts, through American Express that you would not otherwise receive. This would be a perfect card for business or personal spending! Lots off opportunity for rewards and benefits!

Also the customer assistance alone is worth that yearly fee, after a bad experience through my Visa card, I really don't use any other card. They ar every helpful, the wait time is short if at all, and the employees are very helpful.

If you are looking for a good card I'd recommend giving this one a try.

Comment

Perrone Ford
February 28, 2013 • @perroneford

This is my second year on platinum after having the gold card. I travel fairly regularly, and to be honest, I cannot think of a card I'd rather have in my wallet. The Centurion (black) might have a few more perks, but the $2500 annual fee really takes the fun out of it. The benefits are excellent and I've used most of them.

Some balk at the $450 annual fee. To be honest, if you travel at all, the annual fee can pay for itself in a single trip. Getting a free room upgrade at a hotel, and a free night covered 3/4 of the annual fee right there. Saving the cost of a $50/day pass to the lounge on the outbound and inbound flight made up the rest of the annual fee. Not to mention the breakfast credit, $100 hotel credit, free car upgrade rental, etc.

If you don't travel, but want the service of AmEx, stay on green or gold. If you travel, this is where you want to be. If you have a 7 or 8 figure income, go ahead and move to Centurion. You're more likely to use that private jet service than us lowly platinum folks. :)

Comment

Janetta Botticello
February 8, 2013 • @janettab_1

My family has been using this card for as long as I can remember. It is rather expensive to obtain year to year, but the benefits are worth the cost. It is very good for anyone who travels because the card gets really great hotel discounts and travel benefits. It also makes your travels more relaxing because you can take advantage of airport lounges around big cities in the world. My father travels extensively and he has been happy with what the card has offered him to make his travels more relaxing. This is a wonderful credit card to have if you travel often.

Comment

Kit Lix
February 8, 2013 • @KitLix

I have had this card for over 10 years. What I like about it, is I can get into the Delta crown room for free. I can also book my travel with a platinum travel concierge. The membership miles program is an added plus, I have flown around the world using points transferred to Delta Airlines. I also transfer the miles into my Starwood Hotel account for discounts on hotel stays. The only real thing I do not like about it, is the large yearly fee (for two cards it runs me around $600). I do wish they had a cheaper fee so I wouldn't get slapped with such a hefty payment every September.

Comment

Ray Jones
February 8, 2013 • @ray.jones.71697

I have had this card for a while now and it has generally served its purpose. The yearly fee is a bit much but it is worth it to not worry about expenses for a bit. I also enjoy the customer service from American Express. Everytime I have called them they have been helpful and I get an answer to any question I might have very quickly. This is the only card that I have right now and it has been worthwhile to have it. I also have found that it is great for your credit score if you keep up with payments. I just purchased a new car and got a very good rate. Also the entertainment options are great, such as restaurants and also airline benefits. I have only flown once since having the card but I got some very good rewards.Overall I am impressed with this card and am pleased that I got one.

Comment

Fairy Mceachern
January 3, 2013 • @fairym

This card is not cheap for me to maintain, with annual fees of $450 a year, but it is well worth it. American Express is the king of business credit cards, and the Platinum American Express is the best of their card family that you can apply for (The American Express Black is something else entirely). American Express gives exemplary benefits and protection for business travelers around the world. This card also gives you access to 600 airport priority lounges around the world, saving money on memberships with the various airlines. The entertainment options this card offers are exemplary too. Having this card gives access to the American Express Concierge service, with access to all of the best shows, restaurants, etc. This is the best card to pull out when you want to make a serious impression.

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?

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
Read More

Lynn M. Jamieson
Professor and Former Chair, Indiana University Bloomington
Read More

Soon-Ho Kim
Ph.D., Graduate Program Director and Clinical Associate Professor, Regynald G. Washington Master of Global Hospitality Management, Robinson College of Business, Georgia State University
Read More

More Experts

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The Platinum Card® from American Express

The Platinum Card® from American Express

Accepted Credit Scores

Annual Fee

Rewards

APR on Purchases

Balance Transfer

Editor's Take

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

More info about the American Express Platinum card Membership Rewards

Here's how... show more

Compare The American Express Platinum card

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American Express Platinum card Reviews

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Expert Thoughts on American Express Platinum card

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