Platinum
- Annual fee
- $895
- Network
- amex
- Type
- personal
Cardmembers earn 5x Membership Rewards points on flights booked directly with airlines or through Amex Travel (on up to $500,000 per calendar year), 5x on prepaid hotels booked through Amex Travel, and 1x points on all other eligible purchases.
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.
Three ways to value this card. Only one of them is yours.
What the issuer advertises.
Pays out with no hoops.
$2,685 of the advertised value — 86% — comes with strings attached.
- $3,124 advertised across 13 benefits.
- $2,685 (86%) needs a booking, enrollment, or deadline.
- Biggest credit — $600 Hotel Credit, $600 — only via Amex Travel.
- $219 CLEAR+ Credit ($219) posts automatically. No hoops.
- No-hoops value covers 49% of the annual fee.
- You book travel through Amex Travel.
- You'll actually use $219 CLEAR+ Credit.
- 5× on prepaid hotels (AmexTravel.com) matches your spend.
- You book direct, not via Amex Travel.
- You want the fee covered without chasing — $456 short.
- You'd forget monthly credits.
Welcome offer
As high as 175,000 Membership Rewards® points after you spend $12,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer.
- Minimum spend
- $12,000
- Within
- 6 mo
Earning rates
- Eligible purchases1×ptsMembership Rewards
- Top earnPrepaid hotels (AmexTravel.com)prepaid hotels booked on AmexTravel.com5×ptsMembership Rewards
- Top earnFlightson up to $500,000 on these purchases per calendar year5×ptsMembership Rewards
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
Receive up to $300 back semi-annually for eligible prepaid Fine Hotels + Resorts or The Hotel Collection bookings through American Express Travel. Enrollment required.
- $300 Equinox Credit$300/Annual
Receive up to $300 back each year in statement credits for eligible Equinox purchases. Enrollment required.
- $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 back in statement credits for an eligible Oura Ring purchase. Enrollment required.
- $200 Airline Fee Credit$200/Annual
Select one qualifying airline each year, then receive up to $200 back in statement credits for incidental fees charged by that airline. Enrollment required.
- $120 Uber One Credit$120/Annual
Receive up to $120 in statement credits annually for Uber One membership fees.
- Fee Credit for Global Entry or TSA PreCheck®$120/One-time
Either a $120 statement credit for a Global Entry application fee every 4 years, or a statement credit of up to $85 for a TSA PreCheck application fee every 4.5 years through an official enrollment provider.
- $400 Resy Credit$100/Quarterly
Receive up to $100 back each quarter in statement credits for eligible U.S. Resy restaurant purchases. Enrollment required.
- Cruise Privileges Program$100/As needed
- $300 lululemon Credit$75/Quarterly
Receive up to $75 back each quarter in statement credits for eligible lululemon purchases. Enrollment required.
- $300 Digital Entertainment Credit$25/Monthly
Receive up to $25 back each month in statement credits for eligible digital entertainment purchases with participating partners. Enrollment required.
- $200 Uber Cash$15/Monthly
Receive $15 in Uber Cash each month plus a $20 bonus in December.
- $155 Walmart+ Monthly Membership Credit$13/Monthly
Receive a monthly statement credit for one Walmart+ membership fee.
- Premium Events Collection™$0/As needed
Access specially curated Premium Events Collection experiences, including sporting, fashion, fine dining, art, and performance events for Platinum Card Members.
- Purchase Protection$0/As needed
- Amex Special Ticket Access$0/As needed
Access to Amex Presale Tickets and Amex Reserved Tickets for select events across sports, music and more, plus additional perks at select events.
- No Foreign Transaction Fees$0/As needed
No matter where you're traveling, when you use your Platinum Card there are no foreign transaction fees.
- Premium Global Assist® Hotline$0/As needed
Whenever you travel more than 100 miles from home, Premium Global Assist Hotline is available for 24/7 emergency assistance and coordination services, including medical, legal, and financial referrals.
- Platinum Travel Service$0/As needed
Platinum Travel Consultants specialize in providing custom itineraries and tailored recommendations to help you make the most of your travels.
- Car Rental Privileges: Avis, Hertz, National$0/As needed
Platinum Card Members enjoy complimentary premium status for select car rental programs. Card Members must enroll through their American Express online account using their eligible Card.
- Car Rental Loss and Damage Insurance$0/As needed
When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Secondary coverage; no liability coverage.
- Amex Event Perks$0/As needed
At select events, Card Members can receive perks such as dedicated entrances and checkout lanes, exclusive offers, popups and other fan-experience extras. Event Perks vary by event and are available while supplies last. Additional terms may apply by event, such as guest policy and capacity limitations for Fan Experiences and enrollment and Card eligibility for offers. Perks are subject to change without notice. See event terms for additional information.
- American Express Global Lounge Collection$0/Annual
Access the American Express Global Lounge Collection, including eligible Centurion Lounge and partner lounge access. Enrollment may be required for select lounge programs.
- American Express Venue Collection$0/Annual
On-site perks such as dedicated entrances or fast lanes at select stadiums and arenas. Enrolled Cards also get 10% back on qualifying concessions purchases, up to $250 in statement credits per calendar year. Offer ends December 31, 2026. The 10% back depends on member spend, so it carries no fixed annual dollar value.
- Trip Cancellation and Interruption Insurance$0/As needed
- Extended Warranty$0/As needed
Extended Warranty can provide up to one extra year added to the original manufacturer’s warranty for eligible covered purchases. Coverage is up to the actual amount charged, up to $10,000 per item and not to exceed $50,000 per Card Member account per calendar year.
- Fine Hotels + Resorts®$0/As needed
Fine Hotels + Resorts bookings can include eligible property benefits such as a $100 experience credit, room upgrade when available, daily breakfast, and late checkout. Enrollment required.
- Hilton Honors® Gold Status$0/Annual
Receive complimentary Hilton Honors Gold status as a Platinum Card Member. Enrollment required.
- Baggage Insurance Plan$0/As needed
- Return Protection$0/As needed
- Marriott Bonvoy® Gold Elite Status$0/Annual
Receive complimentary Marriott Bonvoy Gold Elite status as a Platinum Card Member. Enrollment required.
- The Hotel Collection$0/As needed
- Global Dining Access$0/Annual
Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy.
- Platinum Nights™ by Resy$0/As needed
Access Platinum Nights by Resy for sought-after reservations at participating top Resy restaurants on select nights in select cities. Enrollment required.
- Leaders Club Sterling Status from The Leading Hotels of the World®$0/Annual
Receive complimentary Leaders Club Sterling Status from The Leading Hotels of the World, including a 5% Leaders Club points bonus on qualifying stays and five pre-arrival upgrades annually, subject to availability. Enrollment required.
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