AMERICAN EXPRESS PLATINUM CARD®
A top-tier travel rewards card tailored for frequent travelers and luxury lifestyle seekers. With rich benefits like 5X points on travel, worldwide lounge access, and elite hotel status, the Amex Platinum is built for those who prioritize comfort, service, and premium experiences.
WHAT MAKES IT UNIQUE?
Unlike typical rewards cards, the Amex Platinum focuses on exclusive travel perks and experiences. It’s packed with benefits that elevate every part of your journey.
- 5X Membership Rewards® points on flights booked directly with airlines or via Amex Travel
- 5X points on prepaid hotels through Amex Travel
- Global lounge access to 1,400+ locations including Centurion®, Priority Pass™, Delta Sky Club®
- Elite hotel status with Hilton Honors and Marriott Bonvoy
- Fine Hotels & Resorts® program with daily breakfast, upgrades, and late checkout
WELCOME BONUS & CREDITS
The Platinum Card helps offset its high fee with valuable statement credits and a large intro offer.
- 80,000–150,000 Membership Rewards® points after qualifying spend (offer varies)
- $200 airline incidental fee credit per year
- $200 hotel credit for prepaid bookings at Fine Hotels + Resorts or The Hotel Collection
- $240 digital entertainment credit (Peacock, Audible, SiriusXM, etc.)
- $200 Uber Cash, $189 CLEAR® credit, $100 Global Entry/TSA PreCheck fee reimbursement
- $300 Equinox credit, Walmart+ credit, and more
PAYMENTS & TERMS
Designed for those with excellent credit and higher spending habits. It’s not about intro APR—it’s about elite access and benefits.
- No intro APR; balance is typically due in full monthly
- Pay Over Time option available with a variable APR on eligible purchases
- $695 annual fee (as of 2025)
- Best suited for users who can maximize travel credits and premium perks
OTHER CARD FEATURES
The Amex Platinum goes beyond rewards with built-in protections, shopping perks, and premium access. It’s designed for both security and luxury convenience.
- Purchase Protection: Covers eligible purchases against damage or theft (up to 90 days)
- Extended Warranty: Adds up to 1 extra year to eligible U.S. warranties
- Return Protection: Refunds up to $300 per item if a retailer won’t accept your return
- Cell Phone Protection: Up to $800 per claim (with $50 deductible) when you pay with the card
- Amex Offers: Access targeted cash back and point deals at major retailers
- Concierge Service: 24/7 access to assistance with travel, dining, events, and reservations
- Premium Global Assist® Hotline: Help with emergency services when traveling 100+ miles from home
- Trip Delay & Baggage Insurance: Coverage for unexpected travel hiccups
- No foreign transaction fees
Top Credit Card Providers Compared – Rewards, Intro Apr & annual Fee
Pros of AMERICAN EXPRESS PLATINUM®
- Unmatched Travel Perks
- High Earning Potential on Travel
- Extensive Annual Credits
- Premium Protections and Concierge Access
Cons of AMERICAN EXPRESS PLATINUM®
- High Annual Fee
- No Intro APR
- Best Rewards Locked to Travel
- Credits Require Active Management
