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American Express · synced with issuer page
American Express

Platinum

Annual fee
$895
Network
amex
Type
personal

Cardmembers earn 5x Membership Rewards points on flights booked directly with airlines or through Amex Travel, and 1x points on all other eligible purchases.

American Express Platinum

Heads up: Rates, fees, and welcome offers below are pulled directly from the issuer and refreshed continuously. Confirm final terms on the issuer site before applying.

Perqt Analysis

Three ways to value this card. Only one of them is yours.

01Published
$4,576

What the issuer advertises.

02Realistic
$3,289

Pays out with no hoops.

03Yours
Open your wallet

From your real spend and redemptions.

$1,287 of the advertised value — 28% — comes with strings attached.

Why Perqt says this
  • $4,576 advertised across 15 benefits.
  • $1,287 (28%) needs a booking, enrollment, or deadline.
  • Biggest credit — $400 Resy Credit, $400 — comes with conditions.
  • Cell Phone Protection ($800) posts automatically. No hoops.
  • No-hoops value covers 367% of the annual fee.
Better fit if
  • You'll actually use $400 Resy Credit.
  • You'll actually use Cell Phone Protection.
  • 5× on Flights booked directly with airlines or Amex Travel matches your spend.
Probably not if
  • You won't use $400 Resy Credit.
  • You'd forget monthly credits.

Welcome offer

AS HIGH AS 175,000 Membership Rewards points after spending $12,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary.

Est. value
$1,750
Minimum spend
$12,000
Within
6 mo

Earning rates

  • All other purchases
    1×
    pts
    Membership Rewards
  • Top earn
    Flights booked directly with airlines or Amex Travel
    On up to $500,000 per calendar year, then 1x
    5×
    pts
    Membership Rewards · Amex Travel
  • Top earn
    Prepaid hotels booked through Amex Travel
    5×
    pts
    Membership Rewards · Amex Travel

On-card benefits & credits

  • Cell Phone Protection
    $800
    /As needed

    Provides coverage for damage or theft to your cell phone when you pay your monthly bill with the card.

  • Trip Delay Insurance
    $500
    /As needed
  • $600 Hotel Credit
    $300
    /Semi-annual
  • $300 Equinox Credit
    $300
    /Annual

    Get up to $300 in statement credits each calendar year for Equinox club membership or Equinox+ subscription.

  • American Express Venue Collection™
    $250
    /Annual
  • $219 CLEAR+ Credit
    $219
    /Annual

    Get up to $219 in statement credits per calendar year toward a CLEAR+ Membership.

  • $200 Oura Ring Credit
    $200
    /Annual

    Receive up to $200 in statement credits per year on Oura Ring purchases.

  • $200 Airline Fee Credit
    $200
    /Annual

    Earn up to $200 per calendar year in statement credits for incidental fees on one selected airline.

  • $120 Uber One Credit
    $120
    /Annual

    Receive up to $120 in statement credits annually for Uber One membership fees.

  • $400 Resy Credit
    $100
    /Quarterly

    Earn up to $100 in statement credits each quarter for eligible purchases at qualifying Resy restaurants.

  • $300 lululemon Credit
    $75
    /Quarterly

    Get up to $75 back each quarter for eligible lululemon purchases.

  • Saks Fifth Avenue Credit
    $50
    /Semi-annual

    Historical Platinum benefit (retired): up to $50 in statement credits per half-year on Saks Fifth Avenue purchases. Discontinued for this card at the product refresh; retained only so member credits posted while it was active stay attributed.

  • $300 Digital Entertainment Credit
    $25
    /Monthly

    Historical Platinum benefit (retired): up to $20 in monthly statement credits on eligible digital entertainment subscriptions. Discontinued for this card at the product refresh; retained only so member credits posted while it was active stay attributed.

  • $200 Uber Cash
    $15
    /Monthly

    Receive $15 in Uber Cash each month plus a $20 bonus in December.

  • Walmart+ Membership Credit
    $14
    /Monthly

    Historical Platinum benefit (retired): statement credit covering a monthly Walmart+ membership ($12.95 plus applicable sales tax) for enrolled Card Members. Discontinued for this card at the product refresh; retained only so member credits posted while it was active stay attributed.

  • $155 Walmart+ Monthly Membership Credit
    $13
    /Monthly

    Receive a monthly statement credit for one Walmart+ membership fee.

  • Hilton Honors™ Gold Status
    $0
    /Annual

    Complimentary Gold status providing room upgrades and bonus points.

  • Marriott Bonvoy® Gold Elite Status
    $0
    /Annual

    Complimentary Gold Elite Status with Marriott Bonvoy.

  • 5X Points on Flights & Hotels
    $0
    /As needed
  • Delta Sky Club® Access
    $0
    /Annual

    Receive 10 visits each year to the Delta Sky Club. Unlocks unlimited visits after $75k annual spend.

Other American Express cards

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