Built for frequent flyers who prioritize lounge access and elite travel perks, the American Express Platinum Card is designed as a luxury travel companion rather than a daily spending tool.
All information about Amex Platinum has been collected independently by MaxRewards. Amex Platinum 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
Airport lounge access
Hotel elite status
Recurring statement credits
The American Express Platinum Card easily justifies its $895 annual fee for frequent travelers who actively use its credits and luxury travel perks. Access to the extensive Global Lounge Collection, built-in elite status with Marriott and Hilton, and annual statement credits for airlines, Uber, and merchant subscriptions provide substantial value that can far outweigh the annual cost.
However, the card is not structured for general day-to-day spending. Earning drops to 1x point per dollar on everything outside of flight bookings and prepaid hotels. Travelers who want an all-in-one card for dining and groceries, or those who do not want to track multiple statement credits, will likely get better net value from a lower-fee alternative.
The Platinum Card is ideal for frequent travelers who maximize lounge access and recurring credits, though its low earnings on non-travel categories mean it works best paired with another card.
Welcome Offer
after you spend $12,000 on purchases on your new card in your first 6 months of card membership.
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
Earning focuses almost entirely on flights and prepaid hotels, yielding valuable Membership Rewards points on travel while offering a basic rate on everyday spending.
Air Travel (amextravel.com)
Airline
Car Rental (amextravel.com)
Cruise (amextravel.com)
Hotel (amextravel.com)
Everywhere
Rewards percent based on a valuation of 1.5¢ per Membership Rewards point
Annual Credits & Perks
A expansive suite of annual statement credits, travel protections, and hotel statuses helps offset the card's upfront cost.
Enrollment is required for select benefits.
Our app automatically tracks valuable credits so you don't miss any rewards.
$400 Resy CreditBenefits
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.
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.
Purchase Protection
Sometimes your favorite new purchase gets stolen, accidentally damaged, or lost. But when you use your Eligible Card for Covered Purchases, your Membership can help protect them for up to 90 days from the Covered Purchase date. Please read important exclusions and restrictions. Up to $10,000 per Covered Purchase, up to $50,000 per calendar year.
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.
Benefits
The Global Lounge Collection
With the American Express Global Lounge Collection, Platinum Card Members get access to more airport lounge options than any other credit card company on the market¹. Whether you’re looking for a place to recharge, work, or unwind, our global network of 1,550+ lounges provide comfort and convenience wherever your travels take you. ¹As of 08/2026
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.
Hilton Honors Gold Status
With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay getting you to free nights faster. Enrollment required.
Marriott Bonvoy Gold Elite Status
As a Platinum Card Member, you can receive Marriott Bonvoy Gold Elite Status without meeting any stay requirements. Enrollment required. Terms and limitations apply.
Benefits
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
Excellent 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
Annual Fee
$895
Purchase APR
19.49% - 28.49%
Variable
Cash Advance APR
28.74%
Variable
Foreign Transaction Fee
None
Questions
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Recognition
250,000 Points
Worth $3,750
After you spend $20,000 on purchases on your new card in your first 3 months of card membership.
Annual Fee
$895
Rec. Credit
Good
Terms Apply.
200,000 Skymiles
Worth $2,400
After you spend $20,000 on purchases on your new card in your first 6 months of card membership.
Annual Fee
$650
Rec. Credit
Excellent
Terms Apply.
150,000 Points
Worth $2,250
After you spend $15,000 on purchases on your new card in your first 3 months of card membership.
Annual Fee
$375
Rec. Credit
Good
Terms Apply.
