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The Platinum Card® from American Express

The Platinum Card® from American Express
See Rates & Fees, Terms Apply

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Our rating:4.4 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Good to Excellent

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Intro Bonus
100,000 pointsEarn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
Reward Rates
10XEarn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
5XEarn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
5XEarn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
Balance Transfers Intro APR
N/A
Purchases Intro APR
N/A
Regular APR
See Pay Over Time APR
Annual Fee
$695

Great for:

Airport lounge access. This card is for the world traveler who needs to unwind between flights. If you travel often but don’t love it, access to Centurion lounges is just one feature of The Platinum Card. Earn generous credits for Uber and hotels as well. And don’t forget the ongoing rewards for flights booked directly with airlines or with American Express Travel.

See more of the best travel credit cards.

Highlights

  • Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
  • Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
  • Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
  • $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
  • New! American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one qualifying airline.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $25 back each month on select Equinox memberships. Enrollment required.
  • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
  • $695 Annual Fee.
  • Terms Apply.

Features

  • Airport Lounge Access
    Airport Lounge Access
  • Annual Uber Credit
    Annual Uber Credit
  • Auto Rental Insurance
    Auto Rental Insurance
  • Concierge Service
    Concierge Service
  • Elite Status
    Elite Status
  • EMV
    EMV
  • Excellent Credit
    Excellent Credit
  • Extended Warranty Program
    Extended Warranty Program
  • Free Credit Score
    Free Credit Score
  • Free Wi-Fi Access
    Free Wi-Fi Access
  • Lost Luggage Reimbursement
    Lost Luggage Reimbursement
  • Mobile Pay Ready
    Mobile Pay Ready
  • No Foreign Transaction Fees
    No Foreign Transaction Fees
  • Points
    Points
  • Popular
    Popular
  • Presale Tickets
    Presale Tickets
  • Private Jet Access
    Private Jet Access
  • Purchase Protection
    Purchase Protection
  • Rewards
    Rewards
  • Travel
    Travel
  • TSA/Customs Reimbursement
    TSA/Customs Reimbursement
  • Zero Fraud Liability
    Zero Fraud Liability

Staff Review

Editor's Rating:

4.4 out of 5

Our take: The $695 annual fee might set your head spinning, but the massive list of perks and benefits that comes with American Express’s top-of-the-line luxury card offers plenty of value. See if you’re prequalified for The Platinum Card® from American Express with CardMatch™

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All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.