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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.

Compare featured offers Read issuer terms

At a glance

Issuer terms

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

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

Category	Rate	Notes
Flights direct or via Amex Travel	5x points	On flights booked directly with airlines or through Amex Travel, up to $500K per year.·cap $500,000
Prepaid hotels via Amex Travel	5x points	On prepaid hotels booked through Amex Travel.
All other purchases	1x points

Benefits

Key benefits

Global Lounge Collection

Centurion Lounges, Priority Pass Select, Plaza Premium, and Delta Sky Club when flying Delta (10 visits per year, unlimited if the flight is booked on the card).

$600 hotel credit

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

Credits stack

$200 airline fee, $209 CLEAR Plus, $200 Uber Cash, $400 Resy, $300 digital entertainment, and more. Capturing them 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.

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