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 a premium travel card built for frequent flyers who want high-end airport lounge access and extensive lifestyle credits. It excels as a dedicated travel booking card and benefit key rather than an everyday spending tool.

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 luxury travelers

Estimate your value

All information about American Express Platinum Card® has been collected independently by MaxRewards. American Express Platinum Card® is no longer available through MaxRewards.

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

Direct flight bookings

Hotel elite status

For frequent travelers who regularly visit airport lounges and use statement credits, the Platinum Card easily justifies its $895 annual fee. Between the expansive Global Lounge Collection, status with Hilton and Marriott, and annual credits for Uber and qualifying airline fees, active cardholders can extract far more value than the fee costs.

However, if you rarely fly or prefer not to track specific merchant credits, the high annual cost will be difficult to justify. The card offers minimal returns on everyday categories like dining and groceries, so it works best paired with complementary cards rather than used as a solo wallet option.

MaxRewards Verdict

The Platinum Card offers premier luxury travel benefits and lounge access, but its high annual fee makes sense only if you travel often and naturally use its recurring credits.

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

$2,625

Required Spend

$12,000

Time Frame

6 Months

Est. Value

$2,625

Required Spend

$12,000

Time Frame

6 Months

Earning

Rewards

Earnings are heavily focused on travel purchases, offering top-tier point multipliers on flight and prepaid hotel bookings while returning a flat rate on other spending.

CategoryRate

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

7.5%

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

Up to $500,000 spend per year

7.5%

Other Eligible Purchases

1.5%

Rewards percent based on a valuation of 1.5¢ per Membership Rewards point

Annual Credits & Perks

Benefits

An extensive lineup of statement credits, airport lounge passes, and hotel elite status provides the core value designed to offset the annual fee.

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 1,400 high-quality, upscale hotels, handpicked for you in our favorite destinations. The Hotel Collection benefits and offers can only be received when booking through American Express Travel.

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 special 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

Questions

Frequently Asked Questions

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

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The Business Platinum Card® from American Express

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

Worth $4,500

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.

7.5%Flights (amextravel.com), Prepaid Hotels (amextravel.com)
3%U.S. Construction Material & Hardware Suppliers, Electronic Goods Retailers, Software & Cloud System Providers, Shipping Providers, Purchases Of $5,000+
1.5%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 $3,000

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.