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Amex Platinum Card vs. Centurion Card [Detailed Comparison]

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Jessica Merritt
Updated: 
Edited by: Michael Y. Park
& Jestan Mendame
Amex Platinum Card vs. Centurion Card [Detailed Comparison]
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You can’t apply for the Centurion® Card from American Express, known as the Black Card or Amex Black Card. It’s an invitation-only card but shares many of the same features of the Platinum Card® from American Express.

With a high initiation fee and annual fee, the Amex Black Card isn’t as accessible to most cardholders as the Amex Platinum card. This article covers how to get the Centurion card, its unique features, and what the Amex Platinum card matches.

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Quick Overview: Amex Platinum Card vs. Centurion Card (Amex Black Card)

The Centurion card is invitation-only and can’t be applied for. It has an annual fee of $5,000 per year plus a one-time joining fee of $10,000 (for U.S. users), compared to the Amex Platinum card’s annual fee of $895 (rates & fees) (Source: American Express).

Cardholders of the Amex Platinum card earn 5 Membership Rewards points per $1 spent on flights purchased directly with the airlines or through AmexTravel.com, up to $500,000 per calendar year, then 1x, 5x points on prepaid hotels booked through AmexTravel.com, and 1x points on all other purchases.

With the Centurion card, you can earn 1 Membership Reward point per $1 spent on all purchases.

The Amex Platinum card has a welcome offer: Apply and find out if you're eligible for as high as 175,000 points after spending $12,000 in eligible purchases in the first 6 months. Welcome offers vary and you may not be eligible for an offer.

There is no welcome offer with the Amex Black Card, but it offers several benefits that the Amex Platinum card does not, including higher elite status with Delta, Hilton, and IHG, enhanced Fine Hotels + Resorts benefits, and a higher CLEAR+ credit.

The Amex Platinum card is good if you want premium travel benefits without the initiation fee or annual fee of the Centurion card. The Amex Black Card is for invited cardmembers who value the elevated services.

Amex Platinum Card vs. Centurion Card at a Glance

Compare the Amex Platinum card and the Centurion card side by side.

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Benefit

Platinum Card® from American Express
Centurion® Card from American Express

Welcome bonus

Apply and find out if you're eligible for as high as 175,000 points after spending $12,000 in eligible purchases in the first 6 months. Welcome offers vary and you may not be eligible for an offer.

N/A

Earnings

  • 5x Membership Rewards points per $1 spent on flights purchased directly with the airlines or through AmexTravel.com, up to $500,000 per calendar year, then 1x
  • 5x points on prepaid hotels booked through AmexTravel.com
  • 1x points on all other purchases
  • 1 Membership Reward point per $1 spent on all purchases
  • 1 point back for every 5 points redeemed on eligible AmexTravel.com bookings

Redemptions

  • Transfers to airline and hotel partners
  • Redemptions for 1 cent per point for flights on AmexTravel.com
  • Qualifying travel via AmexTravel.com, gift cards, statement credits, retail shopping, event tickets, NYC taxi fares, and more
  • Transfers to airline and hotel partners.
  • Redemptions for up to 1.5 cents per point for flights booked through AmexTravel.com
  • Qualifying travel via AmexTravel.com (other than flights), gift cards, statement credits, retail shopping, event tickets, NYC taxi fares, and more

Travel and lifestyle benefits and protections

  • Access to Platinum Member Airfares
  • Marriott Bonvoy Gold Elite, Hilton Honors Gold, and Leaders Club Sterling status upon enrollment
  • Access to Fine Hotels + Resorts
  • Access to The Hotel Collection
  • Car rental status and/or benefits with National Emerald Club, Avis Preferred, and Hertz Gold Plus Rewards upon enrollment
  • Delta SkyMiles Platinum Medallion status
  • Access to Platinum Member Airfares
  • Marriott Bonvoy Gold status, Hilton Honors Diamond status, IHG One Rewards Diamond Elite status
  • Hertz Platinum and Avis President’s Club status
  • Centurion Arrival and Departure Services
  • Fine Hotels + Resorts with Centurion Benefits Program (additional $200 in property credits on stays of at least 2 nights)
  • Access to Centurion Membership Services concierge
  • Numerous other Centurion perks (detailed below)

Airport lounge access

  • Centurion Lounges (including international locations)
  • Delta Sky Club (when flying with Delta)
  • Escape Lounges – The Centurion Studio Partner
  • Lufthansa Lounges (certain locations when flying with Lufthansa Group, ends October 1, 2026)
  • Plaza Premium Lounges
  • Over 1,400 Priority Pass™ lounges, upon enrollment
  • Some Virgin Clubhouses

Statement credits

  • Up to $200 in airline credits annually upon selecting a qualifying airline of your choice
  • Up to $85 statement credit for TSA PreCheck application fee or up to $120 statement credit for Global Entry application fee
  • Up to $219 annual statement credit for CLEAR+
  • Up to $300 in Equinox statement credits annually upon enrollment
  • Up to $600 annually in hotel credit for eligible prepaid stays (up to $300 semiannually)
  • Up to $155 annually in statement credits for Walmart+
  • Up to $300 annually in digital entertainment credits upon enrollment
  • Up to $400 annually in Resy credits upon enrollment (up to $100 quarterly)
  • Up to $200 annually in Oura Ring credit upon enrollment
  • Up to $120 annually in Uber One credit and up to $200 annual Uber Cash benefit
  • Up to $300 annually in lululemon credit upon enrollment (up to $75 quarterly)
  • Up to $200 annually in airline credit for incidentals upon selecting a qualifying airline
  • Up to $85 statement credit for TSA PreCheck application fee or up to $120 statement credit for Global Entry application fee
  • Up to $1,000 annually in Resy credits upon enrollment (up to $250 quarterly)
  • Up to $369 annually for CLEAR+
  • Up to $120 in Uber One credit annually and up to $200 Uber Cash annually
  • Up to $300 SoulCycle At-Home Bike credit for up to 15 bikes annually

Shopping benefits 

  • Amex Offers
  • Entertainment access

Annual fees, authorized users, and additional cardholders

  • $5,000 per year plus a one-time joining fee of $10,000 (for U.S. users)
  • Up to 3 Additional Centurion Cards for $5,000 each annually, Additional Platinum Cards for $195 each annually, or no-annual-fee Companion Centurion Cards

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How Do You Get a Centurion Card?

The Centurion card is invitation-only, and Amex doesn’t publish invitation requirements. Reports indicate getting an invitation typically requires at least 1 year of history with an existing Amex card and annual spending of around $250,000 to $500,000. If you’re invited and accept a Centurion card, you must pay $5,000 per year plus a one-time joining fee of $10,000 (for U.S. users).

If you don’t get an invitation to the Amex Black Card, you can apply for the Amex Platinum card.

» Related: How To Get the Amex Centurion Black Card [2026]

What the Centurion Card Offers That the Amex Platinum card Doesn’t

  • 1 point back for every 5 points redeemed on eligible AmexTravel.com bookings
  • Up to $1,000 in annual Resy credit, compared to the Amex Platinum card’s up-to-$400 annual Resy credit
  • Centurion Membership Services concierge service
  • Delta Platinum Medallion Elite status (Source: Delta)
  • Hilton Honors Diamond status
  • Leaders Club Aurelian status
  • Avis President’s Circle status, compared to the Amex Platinum card’s Avis Preferred status
  • Hertz Gold Plus Rewards Platinum status, compared to the Amex Platinum card’s Hertz Gold Plus status
  • Centurion Arrival and Departure Services: a personal guide to expedite you through customs and immigration when you travel internationally in first or business class
  • Centurion Hotel Program credit, which offers an additional $200 in property credit on stays of at least 2 nights with Fine Hotels + Resorts. Both cards get up to $600 back (up to $300 semiannually) in statement credits each year on prepaid bookings with Fine Hotels + Resorts or The Hotel Collection made through AmexTravel.com and paid with your card. The Hotel Collection bookings require a 2-night minimum stay.
  • Elevated Centurion Lounge experience with reserved seating and no waitlist
  • $369 CLEAR+ credit, which is higher than the $219 offered by the Amex Platinum card
  • Up to $300 in SoulCycle At-Home Bike credit for up to 15 bikes annually
  • PS membership to access private terminals at participating airports
  • Priority access to Centurion New York
  • Access to the Centurion Tunnel Suite at Crypto.com Arena
  • Full Equinox Destination Access, compared to the Amex Platinum card’s up-to-$300 annual Equinox statement credit

What the Amex Platinum Card Offers That the Centurion Card Doesn’t

  • 5x Membership Rewards points per $1 spent on flights purchased directly with the airlines or through AmexTravel.com (up to $500,000 per calendar year, then 1x) and 5x points on prepaid hotels booked through AmexTravel.com
  • A welcome offer: Apply and find out if you're eligible for as high as 175,000 points after spending $12,000 in eligible purchases in the first 6 months. Welcome offers vary and you may not be eligible for an offer. The Centurion card does not have welcome offers.
  • Up to $2,900 in annual statement credits

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Hot Tip: Apply and find out if you’re eligible for a welcome bonus offer of as high as 175,000 points with the Amex Platinum. Welcome offers may vary, and you may not be eligible for an offer.

What the Cards Share

Atlanta ATL American Express Centurion Lounge seating
Receive complimentary Global Lounge Collection access with either the Amex Platinum card or the Centurion card. Image Credit: Daniel Ross

Which Card Should You Choose?

For most people, there’s no choice between the Amex Platinum card and Centurion card. The Centurion card can’t be applied for, and the Amex Platinum card has the same lounge collection, points currency, and most of the same hotel and travel benefits at a fraction of the cost.

When the Centurion Card Makes Sense

  • You get an invitation after at least a year of Amex cardmembership and high annual spending.
  • You can get enough value from the Centurion-only benefits to offset the $5,000 annual fee and $10,000 initiation fee.
  • You value premium services and access, such as Centurion Arrival and Departure Services, PS membership, Equinox Destination Access, and enhanced Fine Hotels + Resorts benefits.

When To Choose the Amex Platinum card

  • You want premium travel benefits without paying a $5,000 annual fee.
  • You can use benefits such as airport lounge access, hotel elite status, and statement credits to offset the $895 annual fee.
  • You want to earn a welcome offer bonus and a higher rewards rate on eligible flights and prepaid hotels booked through AmexTravel.com.
BEST LOUNGE CARD
Platinum Card® from American ExpressTerms Apply / Rates & Fees
Platinum Card® from American Express

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

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

Platinum Card® from American Express
The Amex Platinum card reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and elite status.
You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary, and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount — all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
As High as 175,000 Points. Find Out Your Offer.
Up to $3,850
$895
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 card application.
Good to Excellent
Why We Like This Card

When it comes to cards that offer top-notch benefits, the Platinum Card® from American Express is a top choice.

The card offers premium perks like best-in-class airport lounge access, hotel elite status, and several annual card credits. The Amex Platinum card is easily worth the annual fee for frequent travelers who use the lounges and travel credits, and hard to justify for those who won’t.

Pros & Cons
Pros
  • The best airport lounge access out of any card (by far): Get access to over 1,550 worldwide lounges, including Amex Centurion Lounges, Priority Pass lounges (enrollment required), Plaza Premium Lounges, and many more!
  • 5 points per $1 spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
  • 5 points per $1 spent on prepaid hotels booked with AmexTravel.com
Cons
  • $895 annual fee (rates & fees)
  • Airline credit does not cover airfare (only incidentals like checked bags).
Read Full Review
Card Highlights
  • You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
  • Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
  • With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection, over $850 of annual value, with access to Centurion Lounges, 10 Delta Sky Club visits (subject to visit limitations) when flying on an eligible Delta flight, Priority Pass™ membership (enrollment required), and other select partner lounges. *As of 01/2026
  • $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
  • $300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
  • $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
  • $400 Resy Credit + Platinum Nights™ by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to pay for eligible purchases with Resy, including dining purchases at over 10,000 qualifying U.S. Resy restaurants. Enrollment required. As a Platinum Card® Member you have special access to reservations on select nights at participating sought after Resy restaurants in select cities through Platinum Nights™ by Resy. Simply add your Platinum Card® to your Resy profile to book your reservation.
  • $219 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $219 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
  • Start your vacation sooner and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in, when available, and guaranteed 4pm late check-out.
  • $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
  • $155 Walmart+ Credit: Get up to a $12.95* statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Platinum Card®. *Up to $12.95 plus applicable taxes on one membership fee.
  • Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
  • $895 annual fee.
  • Terms Apply.
Financial Snapshot
  • APR: See Pay Over Time APR
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

Centurion Card Alternatives

The Amex Platinum card is an excellent alternative to the Amex Black Card, but so is the Chase Sapphire Reserve®. It has a generous welcome offer, an annual $300 travel statement credit, Priority Pass Select worldwide lounge membership, 4x earnings on flights and hotels booked directly, and 3x earnings on dining worldwide. Additionally, you receive even more value when redeeming your Ultimate Rewards points for travel via Points Boost.

Grand Hotel Centenari Valencia Marriott Autograph Collection bedroom
Other premium travel cards can offer better hotel access similar to that of the Amex Platinum card and Centurion card. Image Credit: Ryan Smith
Chase Sapphire Reserve®Terms Apply / Rates & Fees
Chase Sapphire Reserve®

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Apply Now(at Chase's secure site)
Chase Sapphire Reserve®
A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.
Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
100,000 points
$2,000
$795
19.49% - 27.99% Variable
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 card application.
Excellent
Why We Like This Card

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve® is one of the best options.

The card combines elite travel benefits and perks like worldwide airport lounge access, with excellent point earning and redemption options. Plus, it offers top-notch travel insurance protections to cover you at home or on the road.

Don’t forget the more than $2,000 in annual credits, which can offset the annual fee!

Pros & Cons
Pros
  • 8x points on all Chase Travel purchases
  • 5x points on Lyft rides
  • 4x points on flights and hotels booked directly
Cons
    • $795 annual fee
Read Full Review
Card Highlights
  • Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
  • Get $3,000 in annual value with Sapphire Reserve.
  • Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
  • $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
  • Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
  • Get complimentary subscriptions to Apple TV and Apple Music for a minimum of one year when activated by June 22, 2027, a value of $288 annually.
  • Member FDIC
Financial Snapshot
  • APR: 19.49% - 27.99% Variable
  • Foreign Transaction Fees: None
Rewards Center

Chase Ultimate Rewards

Final Thoughts

Unless you can snag an invitation to the Centurion card, the Amex Platinum card and other travel rewards cards are solid alternatives with much lower annual fees. The Amex Platinum card has stronger rewards potential and a welcome offer, but the Centurion card has good travel, hotel, and lifestyle benefits. Review the comparison table above to see how the cards differ.

All information about the Centurion® Card from American Express has been collected independently by Upgraded Points.

Featured Image Credit: Upgraded Points

Frequently Asked Questions

Is the Centurion card worth it?

For most people, the Centurion card’s $10,000 initiation fee and $5,000 annual fee make it difficult to justify, though the better benefits can be worth it for some cardholders. However, other travel rewards cards offer similar benefits with a lower annual fee and no initiation fee.

How can I get a Centurion card?

The Centurion card is offered only by invitation from American Express. See the details in the invitation section above.

Does the Centurion card earn Membership Rewards points?

Yes, the Centurion card earns Membership Rewards points for each $1 spent on the card and offers redemption options, such as purchasing travel via AmexTravel.com. You can also transfer points earned on the card to airline and hotel partners for potentially more value.

What is the spending limit on the Centurion card?

The Centurion card, also called the Amex Black Card, has no preset spending limit. It is a charge card that must be paid off in full each statement period unless you use the Pay Over Time feature.

Is the Amex Black Card the same as the Centurion card?

Yes, “Amex Black Card” is another name for the Centurion card, referring to its black appearance.

How much does the Amex Black Card cost?

The Amex Black Card has a $10,000 initiation fee and a $5,000 annual fee.

Can you apply for the Amex Centurion card?

You can’t apply for the Amex Centurion card. It is available by invitation only, so you must receive an invitation before you can get the card.

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About Jessica Merritt

Jessica is a Certified Financial Education Instructor℠ (CFEI®) who covers credit cards, travel rewards, and consumer banking for outlets including U.S. News, CNN Underscored, and LendingTree, specializing in helping families maximize points and miles.

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Welcome Offer: As High as 175,000 Points. Find Out Your Offer.

  • You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
  • Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
Show more
  • With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection, over $850 of annual value, with access to Centurion Lounges, 10 Delta Sky Club visits (subject to visit limitations) when flying on an eligible Delta flight, Priority Pass™ membership (enrollment required), and other select partner lounges. *As of 01/2026
  • $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
  • $300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
  • $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
  • $400 Resy Credit + Platinum Nights™ by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to pay for eligible purchases with Resy, including dining purchases at over 10,000 qualifying U.S. Resy restaurants. Enrollment required. As a Platinum Card® Member you have special access to reservations on select nights at participating sought after Resy restaurants in select cities through Platinum Nights™ by Resy. Simply add your Platinum Card® to your Resy profile to book your reservation.
  • $219 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $219 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
  • Start your vacation sooner and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in, when available, and guaranteed 4pm late check-out.
  • $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
  • $155 Walmart+ Credit: Get up to a $12.95* statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Platinum Card®. *Up to $12.95 plus applicable taxes on one membership fee.
  • Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
  • $895 annual fee.
  • Terms Apply.

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