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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:4.8 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
Earn 80,000 pointsEarn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership.
Reward Rates
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 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • 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 and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $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®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $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 is available to Basic Card Member only. Terms Apply.
  • $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
  • $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
  • $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.
  • Terms Apply.

Features

  • Airport Lounge Access
    Airport Lounge Access
  • Annual Uber Credit
    Annual Uber Credit
  • Concierge Service
    Concierge Service
  • Elite Status
    Elite Status
  • EMV
    EMV
  • Excellent Credit
    Excellent Credit
  • Free Credit Score
    Free Credit Score
  • Free Wi-Fi Access
    Free Wi-Fi Access
  • 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
  • Rewards
    Rewards
  • Travel
    Travel
  • TSA/Customs Reimbursement
    TSA/Customs Reimbursement
  • Zero Fraud Liability
    Zero Fraud Liability

Staff Review

Editor's Rating:

4.8 out of 5

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

Read full review

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.