Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology.

The Amex Platinum Card – Full Review [2024]

Jarrod West's image
Jarrod West
Jarrod West's image

Jarrod West

Senior Content Contributor

440 Published Articles 1 Edited Article

Countries Visited: 21U.S. States Visited: 24

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in o...
Edited by: Stella Shon
Stella Shon's image

Stella Shon

News Managing Editor

84 Published Articles 611 Edited Articles

Countries Visited: 25U.S. States Visited: 22

With a degree in media and journalism, Stella has been in the points and miles game for more than 6 years. She most recently worked as a Corporate Communications Analyst for JetBlue. Find her work in ...
& Kellie Jez
Kellie Jez's image

Kellie Jez

Director of Operations & Compliance

1 Published Article 1170 Edited Articles

Countries Visited: 10U.S. States Visited: 20

Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s c...

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.

The Platinum Card® from American Express
Terms Apply / Rates & Fees

The Platinum Card® from American Express

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.
4.59
  • 80,000 points

  • $695

  • See Pay Over Time APR

  • Good to Excellent (670-850)

The Platinum Card® from American Express

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

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.
4.59
Learn More(at Amex's secure site)

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.

Card Snapshot

Welcome Bonus & Info

  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, 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.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
  • $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.
  • $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
  • $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
  • $100 Global Entry Credit: 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 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, 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.
  • $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. 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.

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
  • Annual and monthly statement credits upon enrollment (airline credit, Uber Cash credit, Saks Fifth Avenue credit, streaming credit, prepaid hotel credit on eligible stays, Walmart+ credit, CLEAR credit, and Equinox credit)
  • TSA PreCheck or Global Entry credit
  • Access to American Express Fine Hotels and Resorts
  • Access to Amex International Airline Program
  • No foreign transaction fees (rates and fees)

Cons

  • $695 annual fee (rates and fees)
  • Airline credit does not cover airfare (only incidentals like checked bags)

Great Card If

  • You travel often enough to take advantage of the travel perks
  • You can use the annual credits (airline incidental fees, Saks Fifth Avenue, prepaid hotels) and monthly credits (Uber, Equinox, digital entertainment)
  • You want global complimentary airport lounge access
  • You want hotel elite status
  • You want a luxury card with luxury benefits

Don’t Get If

  • You don’t travel often
  • You aren’t interested in the perks and credits
  • You prefer a card with more bonus categories

Amex Platinum Card — Is It Worth the Yearly Fee?

The Amex Platinum card is well worth it for frequent travelers who want luxury travel and lifestyle perks, and who can regularly take advantage of the card’s premium benefits.

When you combine best-in-class airport lounge access with 5x earnings on airfare (up to $500,000 per year) and prepaid hotels booked with AmexTravel.com, Gold elite status with Marriott Bonvoy and Hilton Honors upon enrollment, and access to Amex’s Fine Hotel + Resorts program, you’ve got a package that makes for one of the best travel cards.

While the annual fee might initially give you pause, the math starts to come out in your favor when you consider the bevy of credits that come with the card.

Virtually every card benefit is tailored toward enhancing your travel experiences, making it a perfect complement for any traveler looking to upgrade their travels.

While many cardholders don’t use every perk of the Amex Platinum card, you can easily offset the annual fee with the up to $200 airline incidental credit, up to $240 digital entertainment credit, up to $200 in Uber Cash, and up to $189 annual CLEAR credit. When you add perks like airport lounge access, various elite statuses, and travel protections, it’s easy to see why the Amex Platinum card can earn a permanent place in your wallet. Remember to enroll in all your card’s benefits to max out the value you receive from your card.

If this sounds like the ideal card for you, we suggest checking to see if you’re eligible for the Amex Platinum card’s 150k offer.

What Benefits Do You Get With the Amex Platinum Card?

Annual Credits

One of the easiest ways to determine how worthwhile the Amex Platinum card will be to you is to consider the value you’ll get from the card’s annual credits, and whether or not that figure exceeds the annual fee. These credits include:

Some credits require enrollment, so be sure to explore your American Express account to make the most of your card.

Lounge Access

One of the card’s best benefits is the airport lounge access level that it offers via the American Express Global Lounge Collection.

Not only do you get access to Priority Pass lounges (upon enrollment) that many other premium credit cards offer, but you also get access to swanky Centurion Lounges (in the U.S. and abroad), Escape Lounges – The Centurion Studio Partner, Plaza Premium Lounges, Airspace Lounge, select Virgin Clubhouses, select Lufthansa lounges when flying with Lufthansa Group the same day, and Delta Sky Clubs when flying with Delta the same day.

No matter what airport you find yourself in, you’ll almost always have a lounge that you can kick back and relax in thanks to your Amex Platinum card, making it one of the best credit cards with lounge access.

Upgraded Points’ Senior Content Contributor Katie Seemann had this to say about the lounge access offered with the Amex Platinum card:

“One of the main reasons I keep the Amex Platinum card in my wallet is for the lounge access. Of course, I love Centurion Lounges, but I value access to Escape Lounges more. That’s because the only lounge at my home airport is an Escape Lounge, so it’s what I use every single time I fly. Knowing I have a quiet place to wait for my flight with complimentary food and drinks is a perk that makes my travel day so much more enjoyable.”

Katie Seemann, senior content contributor

I agree with Katie; airport lounge access is easily one of my favorite perks of the Amex Platinum card. Similar to Katie, I had just 3 airport lounge options available to me when I lived in Cincinnati: The Club at CVG, an Escape Lounge, and a Delta Sky Club, all of which I could access using my Amex Platinum card. Now that I live in New York, I’m spoiled for lounge options and can visit excellent lounges like the Amex Centurion lounge at JFK, LGA, and soon at EWR.

Hotel Elite Status

Cardholders get an automatic boost to Hilton Honors Gold status and Marriott Bonvoy Gold Elite status within each program upon enrollment.

Both status levels earn extra points on stays, space-available room upgrades, late checkout if available, and much more.

Rental Car Elite Status

If you regularly rent cars during your travels, you’ll love that the Amex Platinum card gets you automatic National Emerald Club Executive status, along with Avis Preferred Plus and Hertz Gold Plus President’s Circle benefits upon enrollment.

Perks from each company include, but aren’t limited to, vehicle upgrades, discounts, expedited pickup lanes, and convenient dropoff locations.

Travel Protections

If anything goes wrong during your travels, your Amex Platinum card keeps you covered with the following travel insurance benefits:

  • Trip Delay Insurance — Get reimbursed for up to $500 per ticket in covered expenses if your flight is delayed by 6 hours or requires an overnight stay. This includes items such as lodging and food.
  • Trip Cancellation and Interruption Insurance — If you need to cancel a trip due to a covered cause, like severe weather, you’ll receive a reimbursement of up to $10,000 per trip, and $20,000 per year, towards nonrefundable travel expenses if you need to cancel your trip or end it early.
  • Rental Car Insurance — Your card gives you secondary rental car insurance, which covers up to $75,000 towards accidental damage or theft of the vehicle.
  • Baggage Insurance — If your baggage is lost or damaged while in transit with the carrier, you’re covered for up to $2,000 towards checked baggage and $3,000 towards carry-on baggage.

Consumer Protections

The Amex Platinum card doesn’t just offer travel protections. You’re also covered with the following consumer protections:

  • Cell Phone Insurance — Receive coverage for accidental damage caused to your cell phone, with up to $800 in coverage, up to 2 times per year, with a $50 deductible.
  • Purchase Protection — If an item you’ve purchased gets stolen, accidentally damaged, or lost within 90 days of purchase, you’re covered for up to $10,000 per item and $50,000 per year.
  • Return Protection — If you try to return an item within 90 days of purchase, and the merchant won’t accept it, you can be refunded by Amex for up to $300 per item, and up to $1,000 per year.
  • Extended Warranty Coverage — This protection adds 1 year of extended warranty coverage to standard warranties that are 5 years or less.
Hot Tip:

Purchase protection recently came in handy for me when one of my AirPods Pro earbuds stopped working. The replacement was going to set me back $89, but since I’d purchased the AirPods with my Amex Platinum card, I submitted a claim to Amex and the full $89 was refunded back to me as a statement credit.

What Is the Annual Fee on the Amex Platinum Card?

The annual fee for the Amex Platinum card is $695. While this is one of the highest annual fees on the market for travel rewards cards, many cardholders find it helpful to think of it as prepaying for perks that would have cost you far more otherwise.

For instance, if you often take Uber or order Uber Eats then you are likely to get a lot of value out of the Uber credit. The same goes for the digital entertainment credit, airline incidental credit, prepaid hotel credit, and more.

Additionally, if having airport lounge access saves you from having to purchase food and drinks at the airport, or if having hotel elite status saves you from needing to purchase breakfast at the hotel, then each of these instances adds up to increase the overall value that the card provides for you.

Best Ways To Earn and Redeem Your Amex Points

Aside from using your card for everyday purchases, you should learn how to earn as many Amex points as possible. Fortunately, we have a comprehensive guide covering all the best ways to earn Amex Membership Rewards points.

From there, you’ll want to learn about all the best ways to redeem your Amex points. This will help you start traveling like a pro while getting huge value out of your hard-earned points.

Some of our favorite ways to redeem Amex Membership Rewards points include utilizing select Amex transfer partners to book business and first class tickets for a mere fraction of the typical cash price!

In fact, team members at Upgraded Points have used their Amex Membership Rewards points to book some incredible products including Lufthansa first class, Virgin Atlantic Upper Class, ANA “The Suite” first class, and Cathay Pacific business class.

If this sounds like the right credit card for you, take a look at this fantastic Amex Platinum card offer, and be sure to read our guide to find out all you need to know about making an American Express credit card application.

Alternative Cards to the Amex Platinum Card

Chase Sapphire Reserve®

The Chase Sapphire Reserve card offers 3x points on all travel and dining purchases, including airfare, hotels, Airbnb, and Uber/Lyft.

Combine that with a $300 travel credit and a Priority Pass Select membership, and it makes for a compelling option.

While the Chase Sapphire Reserve card doesn’t feature nearly the level of elite benefits that the Amex Platinum card does, this could be a good option if you’re after a more well-rounded travel card.

Check out our head-to-head comparison of the Amex Platinum card vs. the Chase Sapphire Reserve card.

Capital One Venture X Rewards Credit Card

If you prefer a premium rewards card that offers airport lounge access at a lower annual fee, then the Capital One Venture X card could be a perfect option.

With its $395 annual fee (rates & fees), you’ll get complimentary access for you and 2 guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network, a 10,000-mile anniversary bonus starting on your first anniversary, an up to $300 annual Capital One Travel credit, and much more.

The card earns 10x miles on hotels and rental cars booked through Capital One Travel, 5x miles on flights booked through Capital One Travel, and 2x miles on all other purchases.

Which card is right for you? See our detailed comparison of the Amex Platinum card vs. the Capital One Venture X card.

Amex Platinum Card — Should You Get This Card?

There’s a reason why the Amex Platinum card regularly ranks as one of the best credit cards. The Amex Platinum card is easily worth it for anyone who can get more value out of the card than what the annual fee charges. For many, this isn’t as difficult as it might seem thanks to its $1,500+ in annual credits, airport lounge access, complimentary hotel and rental car elite status, travel protections, and more.


We’ve also compared the Amex Platinum card to several other popular cards:

If you currently have the Amex Gold card but are interested in the Amex Platinum card, we recommend you take a look at this Amex Platinum card upgrade offer.

UP’s Card Review Methodology

Every card we review is assigned a “U.P. Rating” – our star-based system that encompasses all the key details to showcase a card’s standout features, where it falls short, and how it stacks up for travelers to maximize rewards.

These ratings range from 0 to 5 stars and are determined by carefully weighing crucial factors like:

  • Bonus categories
  • Benefits and perks
  • Quality of associated loyalty programs
  • Annual fees and other costs
  • Size of the welcome bonus (and relative to the annual fee)
  • And several more

You can learn more about how Upgraded Points reviews and rates credit cards.


For the trip delay insurance benefit of The Platinum Card® from American Express, up to $500 per covered trip that is delayed for more than 6 hours; and 2 claims per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the trip cancellation and interruption insurance benefit of The Platinum Card® from American Express, the maximum benefit amount for trip cancellation and interruption insurance is $10,000 per covered trip and $20,000 per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the car rental loss and damage insurance benefit of The Platinum Card® from American Express, car rental loss and damage insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. geographic restrictions apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

For the baggage insurance plan benefit of The Platinum Card® from American Express, baggage insurance plan coverage can be in effect for covered persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an eligible card. Coverage can be provided for up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the common carrier. The coverage is also subject to a $3,000 aggregate limit per covered trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each covered person with a $10,000 aggregate maximum for all covered persons per covered trip. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the cell phone protection benefit of The Platinum Card® from American Express, coverage for a stolen or damaged eligible cellular wireless telephone is subject to the terms, conditions, exclusions and limits of liability of this benefit. The maximum liability is $800, per claim, per eligible card account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per eligible card account per 12 month period. Eligibility and benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the purchase protection benefit of The Platinum Card® from American Express, purchase protection is an embedded benefit of your card membership and requires no enrollment. It can help protect covered purchases made on your eligible card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the covered purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per card member account per calendar year. Coverage limits apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the return protection benefit of The Platinum Card® from American Express, with return protection, you may return eligible purchases to American Express if the seller won’t take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details.

For the extended warranty benefit of The Platinum Card® from American Express, when an American Express® card member charges a covered purchase to an eligible card, extended warranty can provide up to one extra year added to the original manufacturer’s warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your card for the item up to a maximum of $10,000; not to exceed $50,000 per card member account per calendar year. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One Venture Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of The Platinum Card® from American Express, click here.
For rates and fees of the American Express® Gold Card, click here.
For rates and fees of the Blue Cash Preferred® Card from American Express, click here.
For rates and fees of The Business Platinum Card® from American Express, click here.
For rates and fees of the Delta SkyMiles® Platinum American Express Card, click here.
For rates and fees of Delta SkyMiles® Reserve American Express Card, click here.
For rates and fees of the Marriott Bonvoy Brilliant® American Express® card, click here.

Frequently Asked Questions

Why is the Amex Platinum card so hard to get?

The Amex Platinum card isn’t that hard to get! Most travel credit cards require applicants to have good credit to be approved. American Express doesn’t publish a required benchmark score, but if you have a strong credit score it’s likely your application will be approved.

However, remember that the annual fee will be due on your first billing statement — so consider another credit card if you can’t afford it.

Why get the Amex Platinum card? Is it worth it?

While the annual fee is high, the number of benefits received from the card makes it worth it to many people.

The card comes with up to $200 in airline incidental credit, up to $200 for prepaid Fine Hotels + Resorts or The Hotel Collection bookings (which requires a minimum 2-night stay) through AmexTravel.com, up to $240 in digital entertainment credits, up to $100 in Saks Fifth Avenue credit, and up to a $300 Equinox credit (among others), all of which effectively cancel out much of the annual fee.

Then add in the 5x earnings on flights and prepaid hotels booked with AmexTravel.com, Gold status with Hilton and Marriott hotels, and access to more than 1,400 airport lounges worldwide.

Given the number of luxury benefits you receive from having the card, it’s definitely worth it if you can afford the annual fee.

What is the Amex Platinum card annual fee? Can I add authorized users?

See the card summary table listed above for the annual fee. If you wish to add an Amex Platinum authorized user to the account, you can add users for an additional $195 annual fee (rates & fees). Each authorized user of the card will receive all of the same benefits as the main cardmember except their own statement credits. You also have the option of adding up to 99 Amex Gold cards for no additional annual fee (rates & fees). Keep in mind that while these cards have the same earning rate as the Amex Platinum card, they receive none of the elite benefits.

What airport lounges do you get access to with the Amex Platinum card?

The card gets you access to all of the American Express Centurion Lounges, Delta Sky Clubs (when flying Delta the same day), Priority Pass lounges upon enrollment, Plaza Premium Lounges, select Lufthansa lounges when flying with Lufthansa Group the same day, select Virgin Clubhouses, and Escape Lounges – The Centurion Studio Partner.

This is by far the most extensive list of eligible lounges you can visit offered by any travel credit card on the market.

Note: Priority Pass memberships from U.S.-issued American Express cards no longer include restaurants, also known as “non-lounge airport experiences.”

What income do you need for the Amex Platinum card?

There is no guarantee that you will be approved for the Amex Platinum card, no matter how high your income is. That said, if you have an income of $40,000 or higher and a strong credit score, you should have good odds of being approved for the Amex Platinum card.

Why is the Amex Platinum card annual fee so high?

The Amex Platinum card’s annual fee is tied to the number of benefits it offers. While the value of a card is subjective, you’d be hard-pressed to find another card with more perks, protections, and annual credits for a lower annual fee than the Amex Platinum card.

Who qualifies for the Amex Platinum card?

Anyone is eligible to apply for the Amex Platinum card provided they are 18 or older, have a U.S. Social Security number, and have a U.S. address. Whether or not you will be approved will come down to factors including your credit score, income, and length of credit history.

What is so special about the Amex Platinum card?

People love the Amex Platinum card for its combination of travel and lifestyle benefits, rewards, credits, and protections all rolled into 1 card.

Even those who travel just a few times a year find that they can get quite a bit of value out of the card thanks to its numerous travel-related credits, airport lounge access, complimentary CLEAR membership, trip delay insurance, and more.

What is the credit limit on the Amex Platinum card?

The Amex Platinum card doesn’t have a preset credit limit. However, this doesn’t mean you have unlimited spending power. Your purchasing power will adjust month to month based on the use of your card, payment and credit history, and financial resources.

No Preset Spending Limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.

 

What credit score do you need for the Amex Platinum card?

Ideally, you’ll want your credit score to be 670 or higher, along with a couple of years of clean credit history, to increase your approval odds for the Amex Platinum card.

Keep in mind, no matter how high your credit score is, American Express will still consider other factors in your application decision, like your income, the amount of credit American Express has already extended to you, your history with American Express, and more.

Jarrod West's image

About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.

DMCA.com Protection Status