Skip to content
CreditCardSignups.com
Find a card

We're paid when you apply via some links. Details

The Platinum Card from American Express card art
American Express · platinum

The Platinum Card from American Express

4.5 / 5
Membership Rewards · Personal card

The 2025 refresh pushed the fee to $895 and the credit stack past $3,000 on paper. It pays for itself only if the credits match how you already spend. The 5x flight earning and lounge network remain the core.

See current offer

At a glance

Welcome bonus
175,000 points
Spend $12,000 in 6 months
Annual fee
$895
Year-one and ongoing
Purchase APR
See terms
No intro APR
FX fee
None
Editorial

Our take

The 2025 refresh pushed the fee to $895 and the credit stack past $3,000 on paper. It pays for itself only if the credits match how you already spend. The 5x flight earning and lounge network remain the core.

Verdict

Pros & cons

Pros

  • Industry-leading lounge access
  • 5x on flights booked direct or through Amex Travel
  • Transferable Membership Rewards with strong airline partners
  • Hotel status without spend requirements

Cons

  • $895 annual fee is the highest in the mainstream market
  • Rental car coverage is secondary, not primary
  • Credits are split across many vendors and windows
Earnings

Earn rates

CategoryRateNotes
Flights direct or via Amex Travel5x pointsOn flights booked directly with airlines or through Amex Travel, up to $500K per year.·cap $500,000
Prepaid hotels via Amex Travel5x pointsOn prepaid hotels booked through Amex Travel.
All other purchases1x points
Benefits

Key benefits

Global Lounge Collection

Centurion Lounges, Priority Pass Select, Plaza Premium, and Delta Sky Club when flying Delta (10 visit-days per year, unlimited once you spend $75,000 in a calendar year).

$600 hotel credit

$300 semi-annually toward prepaid Fine Hotels + Resorts or The Hotel Collection bookings through Amex Travel.

Lifestyle credit stack

$219 CLEAR Plus, $200 Uber Cash, $120 Uber One, $400 Resy, $300 digital entertainment, $300 lululemon, and $155 Walmart+. Capturing them all takes planning.

Hotel elite status

Marriott Bonvoy Gold and Hilton Honors Gold without spend requirements.

Fit

Who this is best for

  • Frequent flyers who use Centurion lounges
  • Travelers who book flights direct and capture statement credits
  • People who value transferable Membership Rewards
FAQ

Frequently asked questions

What is the Amex Platinum welcome bonus?
Earn as high as 175,000 Membership Rewards points after spending $12,000 on eligible purchases in the first 6 months. Offers are personalized and vary by applicant.
Does the Amex Platinum charge an annual fee?
Yes. The annual fee is $895 every year.
Does the Amex Platinum have a foreign transaction fee?
No. The Amex Platinum charges no foreign transaction fee, so it works well for international purchases.
What APR does the Amex Platinum charge?
The purchase APR is See terms variable.
Who is the Amex Platinum best for?
Frequent flyers who use Centurion lounges. Travelers who book flights direct and capture statement credits. People who value transferable Membership Rewards.
Similar

Related cards

Apply

The Platinum Card from American Express

Spend $12,000 in 6 months
See current offer

Rates accurate as of October 6, 2026. Issuer terms.