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  1. Credit Cards
  3. American Express Platinum Card®
American Express

American Express Platinum Card®

Built for frequent travelers who will actually use airport lounges, travel credits, and hotel perks, the American Express Platinum Card is a premium travel card first and an everyday spending card second. Its strongest value comes from flights, luxury-leaning travel benefits, and a long list of statement credits, not from using it for regular non-travel purchases.

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 air travelers
How to Apply
American Express Platinum Card®

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.

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

The Hotel Collection requires a minimum two-night stay.

Is the American Express Platinum Card® worth it?

This card is great for...

Airport lounge access

Paid flights and premium travel

Travel and lifestyle credits

This card is worth it for travelers who fly often, value a more comfortable airport and hotel experience, and can reliably use several of its recurring credits. Lounge access, 5x points on flights, hotel status, and credits for Uber, airline incidentals, and other partners can add up quickly for someone whose habits already match what the card offers.

It is a weaker fit if you want one card for all spending or if you do not want to track multiple benefits throughout the year. The $895 annual fee is very high, and the base 1x rate on most purchases means this is not the card to keep at the top of your wallet for everyday expenses. If you will not use the lounges, travel perks, and monthly or annual credits with some consistency, the fee is hard to justify.

MaxRewards

MaxRewards Verdict

The Amex Platinum makes the most sense for frequent flyers who will use its lounges, travel benefits, and credits as part of their normal routine. For everyone else, it is usually too expensive and too specialized to be a practical primary card.

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.

≈ $1,050–$3,500

What 175,000 Points could be worth, based on how you redeem

  • Transfer to airline/hotel partners
    Most partners transfer 1:1
    ≈ $3,500
    ≈ 2¢ per point
  • Amex Travel - flights
    $1,750
    1¢ per point
  • Pay with points at checkout
    $1,225
    0.7¢ per point
  • Amex Travel - prepaid hotels / other
    $1,225
    0.7¢ per point
  • Gift cards
    ≈ $1,225
    ≈ 0.7¢ per point
  • Statement credit (cover charges)
    $1,050
    0.6¢ per point

Required Spend

$12,000

Time Frame

6 Months

Required Spend

$12,000

Time Frame

6 Months

What's your average monthly spend?

$2,000

You should easily hit the bonus threshold with this spend!

Rewards

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

Membership Rewards points here are geared toward travel, with the real standout being 5x points on flights and certain Amex Travel bookings. In practice, this card works best for airfare and select hotel reservations, while most other spending is better handled by a different card.

CategoryEst. yearly spendRateRewards

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

Est. yearly spend
Rate5%
Rewards$0

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

Up to $500,000 spend per year

Est. yearly spend
Rate5%
Rewards$0

Other Eligible Purchases

Est. yearly spend
Rate1%
Rewards$0

Est. Annual Rewards

$0

Benefits

$0 / $3,554.40
|

The Platinum Card's value is driven heavily by its travel benefits and statement credits. As you review this section, focus on the perks you would genuinely use every year, because that is what determines whether the high annual fee makes sense.

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
American Express Platinum Card®$400 Resy Credit
Autotracked
$0 of $100Every 3 months

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.

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.

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.

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.

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.

Frequently Asked Questions

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.

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.

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.

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.

Table of Contents

American Express Platinum Card®

American Express Platinum Card®

How to Apply

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

Featured in

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Other cards from American Express

See all 33 cards
The Business Platinum Card® from American ExpressThe 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.

  • 3.6%5%Flights (amextravel.com), Prepaid Hotels (amextravel.com)
  • 3.6%2%U.S. Construction Material & Hardware Suppliers, Electronic Goods Retailers, Software & Cloud System Providers, Shipping Providers, Purchases Of $5,000+
  • 3.6%1%Other Eligible Purchases

Annual Fee

$895

Rec. Credit

Good

See DetailsHow to Apply

Terms apply.

See rates & fees.
American Express® Business Gold CardAmerican 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.

  • 3.6%4%Top Two Eligible Categories
  • 3.6%3%Flights (AmexTravel.com or Amex Travel App), Prepaid Hotels (AmexTravel.com or Amex Travel App)
  • 3.6%1%Everywhere

Annual Fee

$375

Rec. Credit

Good

See DetailsHow to Apply

Terms apply.

See rates & fees.
Delta SkyMiles® Reserve American Express CardDelta SkyMiles® Reserve American Express Card

Earn up to 125,000 Skymiles

Worth $1,500

After you spend $6,000 in purchases with your new Card, and an additional 25,000 bonus miles after you make an additional $3,000 in purchases on the Card, both within your first 6 months. Ends 07/15/2026.

  • 3.6%3.6%Purchases (Delta)
  • 3.6%1.2%All Other Eligible Purchases

Annual Fee

$650

Rec. Credit

Good

See DetailsHow to Apply

Terms apply.

See rates & fees.
American Express Platinum Card®
How to Apply