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    The Amex Platinum Card

    We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

    Our Verdict

    When you think of a premium credit card, odds are you think of The Platinum Card® from American Express, and you’d be right to do so.

    The Amex Platinum card combines elite travel and lifestyle benefits like access to 6 airport lounge networks (that’s 1,400+ airport lounges worldwide), elite status with 2 hotel chains, plus yearly credits with Uber and Saks Fifth Avenue, making it a perfect option for anyone who wants an elevated credit card experience.

    BEST LOUNGE CARD
    The Platinum Card® from American ExpressTerms Apply / Rates & Fees
    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

    Learn More(at Amex's secure site)

    Apply With Confidence

    Know if you're approved with no credit score impact

    If you're approved and accept this Card, your credit score may be impacted.

    The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
    Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on the Card in your first 6 months of Card Membership.
    80,000 points
    $1,760
    $695
    See Pay Over Time APR
    Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
    Good to Excellent (670-850)

    When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card® from American Express.

    Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

    Pros
    • The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
    • 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
    • 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
    Cons
    • $695 annual fee (rates and fees)
    • Airline credit does not cover airfare (only incidentals like checked bags)
    • Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
    • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
    • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
    • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
    • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
    • $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
    • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
    • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
    • $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
    • Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
    • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
    • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
    • $695 annual fee.
    • Terms Apply.
    Financial Snapshot
    • APR: See Pay Over Time APR
    • Foreign Transaction Fees: None
    Rewards Center

    American Express Membership Rewards

    Note that terms may apply and enrollment may be required for some benefits listed below.

    Pros

    • Access to 1,400+ Lounges including: The swanky and luxurious Amex Centurion lounges, Priority Pass lounges, Plaza Premium lounges, Airspace lounges, Escape lounges, and Delta Sky Clubs
    • Earn 5x points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5x points on prepaid hotels booked with American Express Travel.
    • Up to $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
    • Up to $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the U.S. annually.
    • Up to $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts or The Hotel Collection bookings through American Express Travel when you pay with your card. Hotel Collection requires a minimum two-night stay.
    • Up to $240 Digital Entertainment Credit: Get up to $20 back each month on eligible purchases made with your card on one or more of the following: Disney+, The Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
    • Up to $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your card. Cost includes $12.95 plus applicable local sales tax.
    • Up to $300 Equinox Credit: Get up to $300 back each year on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your card. Enrollment required.
    • Up to $189 CLEAR Credit: Use your card and get up to $189 back per year on your CLEAR membership.
    • Complimentary Hilton Honors Gold and Marriott Bonvoy Gold Elite status
    • TSA PreCheck or Global Entry application fee statement credit
    • Access to American Express Fine Hotels and Resorts
    • Purchase and extended warranty protection

    Cons

    • $695annual fee (rates & fees)
    • Limited bonus-earning categories

    *This bonus value is an estimated valuation calculated by UP and not the card issuer.

    Don’t Get If

    • You don’t travel much or don’t value the card’s benefits

    Great Card If

    • You travel often enough to take advantage of the cards travel perks
    • Airport lounge access is important to you
    • You’re easily able to use the annual credits
    • You want hotel elite status and airport lounge access

    Apply for The Amex Platinum Card

    For rates and fees of The Platinum Card® from American Express, click here.

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