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  1. Credit Cards
  2. Amex Platinum
American Express

Amex Platinum

The American Express Platinum Card® is built for frequent travelers who want comprehensive lounge access and luxury hotel perks. It functions best as a specialized card for flight bookings and travel lifestyle credits rather than an everyday spending tool.

Welcome Offer
175,000 Points
Annual Fee
$895
Rec. Credit Score
Excellent
Good For
Frequent luxury travelers
How to ApplyEstimate your value
Amex Platinum

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

Is the Amex Platinum worth it?

This card is great for...

Airport lounge access

Direct flight purchases

Annual statement credits

The Platinum Card is worth holding if you travel frequently and naturally use its extensive suite of credits. Between airport lounge access, hotel status upgrades, and recurring credits for Uber, flights, and shopping, frequent flyers can recover far more value than the $895 annual fee.

However, this card is a poor fit for low-frequency travelers or anyone looking for a simple, all-in-one rewards card. Because general purchases earn only 1x point per dollar, most cardholders need to pair it with an everyday rewards card to build a balanced setup.

MaxRewards

MaxRewards Verdict

An industry standard for luxury travel perks and lounge access, though the high annual fee requires active use of its statement credits to justify.

Welcome Offer

175,000 Points

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

Rewards

Earn flexible Membership Rewards points with a focus on flight and hotel purchases, while standard everyday spending earns a baseline rate.

CategoryRate

Air Travel (amextravel.com)

7.5%

Airline

7.5%

Car Rental (amextravel.com)

7.5%

Cruise (amextravel.com)

7.5%

Hotel (amextravel.com)

7.5%

Everywhere

1.5%

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

Annual Credits & Perks

Benefits

A massive suite of travel protections, elite status upgrades, and recurring statement credits help offset the annual fee for active travelers.

BenefitAnnual value
$600
$400
$300
$300
$300
$300
$250
$219
$200
$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
Amex Platinum$400 Resy Credit
Autotracked
$0 of $100Every 3 months

Benefits

Insurance

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

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.


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

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: Excellent
Poor
Fair
Good
Excellent

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

Rates & Fees

Annual Fee

$895

Purchase APR

19.49% - 28.49%

Variable

Cash Advance APR

28.74%

Variable

Foreign Transaction Fee

None

Questions

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

Amex Platinum

Amex Platinum

How to Apply

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

Recognition

Featured in

  • #1Best Premium Credit CardsView list
  • #1Best Travel Credit CardsView list
  • #1Best Welcome Offer Credit CardsView list

Other cards from American Express

See all 33 cards
Business PlatinumBusiness Platinum

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.

  • 2.25%7.5%Air Travel (amextravel.com)
  • 2.25%7.5%Car Rental (amextravel.com)
  • 2.25%7.5%Cruise (amextravel.com)

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply.

Delta SkyMiles® Reserve BusinessDelta SkyMiles® Reserve Business

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.

  • 2.25%3.6%Delta Air
  • 2.25%1.8%All
  • 2.25%1.2%Everywhere

Annual Fee

$650

Rec. Credit

Excellent

View card details

Terms Apply.

Business GoldBusiness Gold

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.

  • 2.25%6%Choice
  • 2.25%6%Choice
  • 2.25%4.5%Air Travel (amextravel.com)

Annual Fee

$375

Rec. Credit

Good

View card details

Terms Apply.