Which airport lounges do you get access to with the Amex Platinum?

The Amex Platinum offers entry to over 1,550 lounges worldwide through the Global Lounge Collection, including Centurion Lounges, Priority Pass locations, and more. Whether you're flying domestically or internationally, there's almost always a lounge option available to help you relax, eat, and work before your flight.

How does the Amex Platinum "Once Per Lifetime" rule work?

Per Amex’s “Once Per Lifetime” rule, current and former holders of the Amex Platinum are ineligible for the welcome offer. Amex checks your welcome offer eligibility when you apply, even before checking your credit, and will notify you via a pop-up if you aren't eligible, giving you the option to continue without the bonus or cancel the application entirely.

Does the Amex Platinum include hotel elite status?

Yes. The card comes with automatic Hilton Honors Gold status and Marriott Bonvoy Gold Elite status, which can unlock perks like room upgrades, late checkout, and bonus points on hotel stays — all without needing to meet the usual spending or stay requirements.

What’s the Difference between the Amex Platinum and the Amex Business Platinum?

Both cards share the same lounge access, transfer partners, and premium travel perks, but they serve different needs. The personal Platinum is tailored toward individual travelers with lifestyle credits like Uber Cash, digital entertainment, and Equinox, while the Business Platinum is built for high-spending business owners with credits geared toward business expenses like Dell, Adobe, and Indeed.

American Express

American Express Platinum Card®

The American Express Platinum Card is built for frequent travelers who will actually use airport lounges, travel credits, and hotel perks throughout the year. It is strongest as a premium travel benefits card, not an everyday spending card, since its rewards are concentrated on flights and Amex Travel bookings while most other purchases earn just 1x points.

Welcome Offer

You may be eligible for as high as 175,000 Membership Rewards® Points

Annual Fee

$895

Rec. Credit Score

Good

Good For

Frequent premium travelers

How to Apply Estimate your value

Terms Apply. For rates and fees of American Express Platinum Card®, please visit the American Express website.

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Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

The Hotel Collection requires a minimum two-night stay.

Overview

Is the American Express Platinum Card® worth it?

This card is great for...

Airport lounge access

Paid flights and hotel bookings

Travel credits and hotel status

This card is worth it for travelers who fly often, value a more comfortable airport experience, and can reliably use a meaningful share of its credits and travel perks. The lounge access is the headline feature, and the 5x points on flights can be very strong for people who spend heavily on airfare. Add in hotel status, Uber Cash, airline fee credits, and travel protections, and the card can deliver real value for someone who travels regularly and books enough trips to use what it offers.

It is a weaker fit if you want one card to handle most of your spending or if you do not travel enough to justify an $895 annual fee. Outside of flights and select travel bookings, the rewards rate is modest, so many cardholders will need a separate everyday card to round out their setup. If you are not using the lounges, credits, and hotel benefits on a regular basis, this is an expensive card to keep.

MaxRewards Verdict

A strong fit for frequent travelers who want lounge access, premium travel perks, and high rewards on airfare. For everyone else, the annual fee is hard to justify because the everyday earn rate is light.

Welcome Offer

You may be eligible for as high as 175,000 Membership Rewards® Points

after spending $12,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

Est. Value

$1,750

Required Spend

$12,000

Time Frame

6 Months

Est. Value

$1,750

Required Spend

$12,000

Time Frame

6 Months

Earning

Rewards

Membership Rewards points are the focus here, but the earning story is narrow. This card does its best work on flights and certain Amex Travel hotel bookings, while most non-travel spending is better handled by another card.

CategoryRate

Flights (American Express Travel), Prepaid Hotels (American Express Travel)

Flights (Directly From Airlines), Flights (American Express Travel)

Up to $500,000 spend per year

Other Eligible Purchases

Rewards percent based on a valuation of 1¢ per Membership Rewards point

Annual Credits & Perks

Benefits

The value of this card comes largely from its travel benefits rather than its base earning rate. As you look through the perks, focus on the ones you would realistically use every year, especially lounge access, travel credits, hotel status, and trip protections.

BenefitAnnual value

$600

$400

$300

$250

$219

$200

$180

$155.40

$120

$30

Enrollment is required for select benefits.

Automatically track your credits with MaxRewards

Our app automatically tracks valuable credits so you don't miss any rewards.

Get the app

$400 Resy Credit

Autotracked

of $100Every 3 months

Benefits

Insurance

Baggage Insurance Plan

Can provide coverage for lost, damaged or stolen Baggage when traveling on a Common Carrier Vehicle (e.g. plane, train, ship or bus) when the Entire Fare has been charged to your Eligible Card. Coverage limits apply. Please read important exclusions and restrictions.

Trip Delay Insurance

If you purchase a round-trip entirely with your Eligible Card and a covered reason delays your trip more than 6 hours, we may be able to help. Terms, conditions and limitations apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.

Trip Cancellation and Interruption Insurance

If you purchase a round-trip entirely with your Eligible Card and a covered reason cancels or interrupts your trip, we may be able to help. Terms, conditions and limitations apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.

Extended Warranty

When you use your Eligible Card to make a Covered Purchase, you can get up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions. Please read important exclusions and restrictions.

Car Rental Loss and Damage Insurance

Car Rental Loss and Damage Insurance can provide coverage for Damage to or Theft of a Rental Vehicle in a Covered Territory when You use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter. Please read important exclusions and restrictions. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand.

Benefits

Status & Access

The Global Lounge Collection

With the American Express Global Lounge Collection, eligible Card Members get access to 1,550+ airport lounges in over 500 airports around the world. Enrollment required in Priority Pass.

Car Rental Privileges

Enjoy complimentary premium status for select car rental programs. Once enrolled in a program, receive upgrades when available, discounts, and priority service for your next car rental at participating locations. Enrollment Required. Terms and limitations apply.

Hilton Honors Gold Status

With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio and earn reward stays faster with Hilton Honors Bonus Points.

The Hotel Collection

The Hotel Collection is made up of over 1,300 high-quality, upscale hotels, handpicked for you in our favorite destinations.

Global Dining Access by Resy

Add your Platinum Card to your Resy profile on the Resy app or website and unlock access to exclusive tables and events.

Benefits

Other

Platinum Destinations Vacations

Get one (1) extra Membership Rewards point with Platinum Destinations Vacations and enjoy exclusive offers when you book through Amex Travel by calling the number on the back of your Card.

Platinum Nights by Resy

With Platinum Nights by Resy, you can get access to reservations on select nights in select cities at participating in-demand Resy restaurants with your Platinum Card.

Platinum Member Airfares

Enjoy savings¹ on select tickets with over 30 participating airlines on designated flights with Platinum Member Airfares booked through Amex Travel². ¹Platinum Card and Centurion Members receive reduced fares compared to fares available for other American Express Card Members through Amex Travel. ²Ticket cabin classes may vary for domestic and international flights.

Eligibility

Recommended Minimum Credit

Min: Good

Poor

Fair

Good

Excellent

Good credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing

Rates & Fees

Annual Fee

$895

Purchase APR

19.49% - 28.49%

Variable

Cash Advance APR

28.74%

Variable

Foreign Transaction Fee

None

Balance Transfer

None

Cash Advance

$10

Late Payment

$40

For rates and fees of American Express Platinum Card®, please visit the American Express website.

Questions

Frequently Asked Questions

For rates and fees of American Express Platinum Card®, please visit the American Express website.

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MaxRewards may receive a commission from card issuers. Some or all of the card offers that appear on MaxRewards are from advertisers and may impact how and where card products appear on the site. MaxRewards does not include all card companies or all available card offers. Compensation may be earned when a customer clicks on a link, when an application is approved, or when an account is opened.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Recognition

Featured in

Other cards from American Express

See all 33 cards

The Business Platinum Card® from American Express

You may be eligible for as high as 300,000 Membership Rewards® Points

Worth $3,000

After spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.

5%Flights (amextravel.com), Prepaid Hotels (amextravel.com)
2%U.S. Construction Material & Hardware Suppliers, Electronic Goods Retailers, Software & Cloud System Providers, Shipping Providers, Purchases Of $5,000+
1%Other Eligible Purchases

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply.

American Express® Business Gold Card

You may be eligible for as high as 200,000 Membership Rewards® Points

Worth $2,000

After spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.

4%Top Two Eligible Categories
3%Flights (AmexTravel.com or Amex Travel App), Prepaid Hotels (AmexTravel.com or Amex Travel App)
1%Everywhere

Annual Fee

$375

Rec. Credit

Good

View card details

Terms Apply.

Graphite™ Business Cash Unlimited Card

Earn $1,500 Cash Back in the form of Reward Dollars

After you spend $50,000 in purchases on your new Card within the first 6 months of Card Membership. Reward Dollars can be redeemed as statement credits and at Amazon.com checkout.

5%Flights (American Express Travel Online), Prepaid Hotels (American Express Travel Online)
2%All Eligible Purchases

Annual Fee

$295

Rec. Credit

Good

View card details

Terms Apply.

American Express Platinum Card®

Welcome Offer

You may be eligible for as high as 175,000 Membership Rewards® Points

Annual Fee

$895

Rec. Credit Score

Good

Good For

Frequent premium travelers

How to Apply Estimate your value

Terms Apply. For rates and fees of American Express Platinum Card®, please visit the American Express website.