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Full List of 142 Synchrony Store Credit Cards [Includes the Best Cards]

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Jessica Merritt
Updated: 
Edited by: Keri Stooksbury
& Kellie Jez
Full List of 142 Synchrony Store Credit Cards [Includes the Best Cards]
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Synchrony Bank doesn’t receive the same level of attention as major credit card issuers such as Chase, Citi, and American Express, but it plays a significant role in the U.S. credit card market, offering more than 100 store cards. The bank issues credit cards for well-known retailers and brands, including Amazon, eBay, PayPal, Sam’s Club, and Verizon.

Some of Synchrony Bank’s cards are store cards that can only be used with specific retailers, but it also offers co-branded and network cards. Network cards, or multiple-merchant cards, can be used with participating merchants, while co-branded cards with the Visa or Mastercard logo can be used anywhere cards are accepted.

Synchrony Bank cards are designed primarily for financing large purchases, but some offer rewards and perks that can pay off if you’re loyal to a particular brand. Store cards from Synchrony Bank may be easier to qualify for than traditional credit cards, especially if you have fair or average credit.

Let’s explore Synchrony Bank’s lineup of cards, from Synchrony-branded network cards to numerous store credit cards.

Synchrony Credit Cards

These Synchrony cards are multiple-merchant cards (usable with numerous participating merchants) or Mastercard or Visa cards that can be used anywhere cards are accepted.

Synchrony Store Cards

These Synchrony cards can only be used with particular merchants.

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Best Credit Cards From Synchrony Bank

Synchrony offers a wide range of credit cards, but we’ve narrowed the list to our top 4 for travel and everyday spending.

Amazon Prime Store Card

The Amazon Prime Store Card offers 5% cash-back on all Amazon purchases. That alone makes this card worth it for many frequent Amazon shoppers. You must have an eligible Amazon Prime membership to receive the 5% cash-back on qualifying Amazon.com and Whole Foods Market purchases. Without a Prime membership, you get the Amazon.com Store Card, which does not earn 5% cash-back on purchases at Amazon. Amazon is often one of the quarterly bonus categories for cards like the Chase Freedom Unlimited®. But with the Amazon Prime Store Card, you can get 5% cash-back all year. This card comes with no annual fee.

Cathay World Elite Mastercard®

Cathay World Elite Mastercard®
Cathay World Elite Mastercard®
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs 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 Cathay World Elite card helps you earn more miles and elite status on all of your daily purchases.

Cathay World Elite Mastercard®
The Cathay World Elite card helps you earn more miles and elite status on all of your daily purchases.
You can earn 38,000 bonus Asia Miles when you open an account and spend $3,000 in the first 90 days of account opening.
38,000 miles
$99
25.74%, 28.74% or 31.74% variable
Why We Like This Card

The Cathay World Elite card is well-suited for those who frequently fly with Cathay Pacific and want a card that will help them earn elite status, and earn more miles on all of their daily purchases.

Pros & Cons
Pros
  • 3x miles on all eligible Cathay Pacific and HK Express travel and in-flight purchases
  • 2x miles on dining and eligible delivery services
  • 1x miles on all other purchases
Cons
  • Charges an annual fee
  • Doesn’t earn transferable rewards
Read Full Review
Card Highlights
  • Earn 3 per $1 spent on all eligible Cathay Pacific and HK Express travel and in-flight purchases.
  • Earn 2 per $1 spent on dining and eligible dining delivery services.
  • Earn 1 per $1 spent on everything else, where Mastercard is accepted worldwide.​
  • Earn 10 Status Points for every $5,000 in eligible purchases made​ each month, up to a maximum of 100 Status Points per calendar year​.
  • Primary cardholders may check in at our Premium Economy class airport check-in counters. Travel companion(s) can also enjoy this benefit when traveling with the Primary cardholder.
  • Primary cardholders can enjoy the same boarding line as Premium Economy class passengers on flights operated by Cathay Pacific.
  • No foreign transaction fees.
  • 10% redemption discount on hotel, car rental and experiences awards with Asia Miles.
  • 10% savings on Asia Miles Gift Miles and Mileage Transfer Fee transactions.
  • Primary cardholders may use their Asia Miles to redeem access to Cathay Pacific Business Class lounges.
Financial Snapshot
  • APR: 25.74%, 28.74% or 31.74% variable
  • Foreign Transaction Fees: None

The Cathay World Elite card is your best bet for a travel rewards card from Synchrony. The card comes with a larger welcome offer than you generally find with other Synchrony credit cards, and it has a $99 annual fee. It earns 3x Asia Miles on Cathay Pacific and HK Express travel and inflight purchases, 2x miles on dining, and 1x miles on all other purchases. You can redeem Asia Miles for awesome trips with Cathay Pacific and its partners.

This card doesn’t charge foreign transaction fees, so it could be useful when traveling abroad. You should still use a card, such as the Chase Sapphire Preferred® Card, that earns more valuable points on bonus categories such as dining and travel when abroad.

Sam’s Club® Mastercard®

Sam’s Club® Mastercard®
Sam’s Club® Mastercard®
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs 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.

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Sam’s Club® Mastercard®
Get a $30 statement credit when you open a Sam’s Club credit card account and use it to make $30 in eligible Sam’s Club purchases within 30 days.
$30
$0
Why We Like This Card

The Sam’s Club card is best suited for Sam’s Club members who tend to spend a lot on gas, as you’ll earn 5% back at gas stations. Sam’s Club Plus members can make the most of this credit card, as they can earn more rewards than a standard Sam’s Club member for Sam’s Club purchases.

Pros & Cons
Pros

    • Get a $30 statement credit after making $30 in eligible Sam’s Club purchases within 1 month of account opening
    • $0 annual fee (though you must be a Sam’s Club member, which costs $50 annually)
    • 1% back in Sam’s Cash on Sam’s Club purchases (up to 5% if you’re a Plus member)
    • 5% back in Sam’s Cash on gas anywhere (on first $6,000 per year, then 1%)
    • 3% back in Sam’s Cash on dining and takeout
    • 1% back in Sam’s Cash on other purchases
    • Zero fraud liability
    • Doubles as your membership card
    • You can redeem Sam’s Cash for in-store and online purchases, membership fees, or cash-back
Cons
  • Must be a Sam’s Club member to get the card
  • Can have very high APR
Read Full Review
Card Highlights

  • Get a $30 statement credit when you open a Sam’s Club credit card account and use it to make $30 in eligible Sam’s Club purchases within 30 days
  • $0 annual fee (though you must be a Sam’s Club member, which costs $50 annually)
  • 1% back in Sam’s Cash on Sam’s Club purchases (up to 5% if you’re a Plus member)
  • 5% back in Sam’s Cash on gas anywhere (on first $6,000 per year, then 1%)
  • 3% back in Sam’s Cash on dining and takeout
  • 1% back in Sam’s Cash on other purchases
  • Zero fraud liability
  • Doubles as your membership card
  • You can redeem Sam’s Cash for in-store and online purchases, membership fees, or cash-back
Financial Snapshot
  • Foreign Transaction Fees: 

Synchrony offers both a business and personal version of the Sam’s Club card. These cards both earn 5% cash-back on purchases at gas stations (on up to $6,000 annually, then 1%) and 3% cash-back at restaurants. All other purchases earn 1% cash-back. Sam’s Club Plus members can earn up to 5% on Sam’s Club purchases. Earnings are capped at $5,000 annually. There’s a $0 annual fee, though you must be a Sam’s Club member.

Verizon Visa® Card

Verizon Visa® Card
Verizon Visa® Card
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs 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 Verizon Visa card is a good option if you frequently purchase new products from Verizon, want to lower your monthly bill, or get access to 0% financing options.

Apply Now(at Verizon's secure site)
Verizon Visa® Card
The Verizon Visa card is a good option if you frequently purchase new products from Verizon, want to lower your monthly bill, or get access to 0% financing options.
Get a $50 statement credit when you open an account and make a purchase in the first 90 days. Get an additional $150 statement credit when you spend $1,500 using your card in the first 90 days. Limited time offer.
Up to $200
$0
22.99%, 27.99%, or 33.99% variable
Why We Like This Card

The information regarding the Verizon Visa® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. 

If you’re a Verizon customer, regularly purchase new products from Verizon, and want to lower your monthly Verizon bill, adding the Verizon Visa card to your wallet could be a great choice.

Pros & Cons
Pros
  • 4% back on groceries, gas, EV charging stations, restaurants, and Verizon purchases
  • Lower your monthly bill by $10 with auto-pay
  • $0 annual fee and no foreign transaction fees
Cons
  • Reward redemptions are limited to lowering your Verizon bill or new products
  • 4% rewards on Verizon purchases don’t apply to your monthly phone bill
Read Full Review
Card Highlights
  • Get a $50 statement credit when you open an account and make a purchase in the first 90 days. Get an additional $150 statement credit when you spend $1,500 using your card in the first 90 days. Limited time offer
  • Earn 4% on grocery stores, gas, and EV purchases
  • Earn 4% on dining purchases, including takeout and delivery
  • Earn 4% on Verizon purchases
  • Earn 1% on all other purchases everywhere Visa® Credit Cards are accepted
  • ​New enrollees to Verizon’s Auto Pay can get up to $10 per month off each eligible wireless phone line, up to 12 lines max (depending on plan), and/or $10 per month off each eligible Fios service
  • Verizon Wireless customers get 0% financing with 12 equal monthly payments on accessory purchases, each totaling $100 or more, exclusively with a Verizon Visa® Card
  • No foreign transaction fees
  • $0 annual fees
Financial Snapshot
  • APR: 22.99%, 27.99%, or 33.99% variable
  • Foreign Transaction Fees: $0

Offered exclusively to Verizon Wireless customers, the Verizon Visa card is an excellent $0-annual-fee card for those who have their cell phone or internet service through Verizon Wireless. The card earns Verizon Dollars, which can be redeemed to lower your monthly Verizon bill (like a statement credit) or toward Verizon products. Each Verizon Dollar is equivalent to $1 in value, and there are no caps on earnings or expiration dates.

The rewards rate for the Verizon Visa card is quite strong, offering 4% back on gas, electric vehicle charging, restaurant, grocery store, and Verizon purchases (excluding bill payments), 1% back on Verizon Wireless or Verizon Fios account bill payments, and 1% back on all other purchases.

Cardholders receive up to $10 a month off each eligible wireless phone line (up to 12 lines maximum, depending on the plan) and up to $10 off a month for eligible Fios service when they use the card with Verizon’s Auto Pay. This perk alone could be hugely beneficial if you plan to stay with Verizon long term, as you could save $120 per line. Another benefit of the card is 0% financing options on accessory purchases.

There are many other Synchrony cards, but let’s take a look at some of their most popular cards.

American Eagle Real Rewards Credit Card

American Eagle Outfitters is a retail clothing store geared toward college-age adults. Additionally, it launched Aerie to compete with brands such as Victoria’s Secret. The American Eagle Real Rewards card earns 16% back at American Eagle or Aerie stores. All other purchases earn 5 points per $1. Once a shopper reaches 1,250 points, they receive a $5 reward coupon that can be used toward future purchases with either brand. Cardholders also receive free standard shipping, a $5 birthday coupon, special cardholder events, and more.

Ashley Advantage® Credit Card

Ashely Advantage® Credit Card
Ashely Advantage® Credit Card
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs 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 Ashley Advantage card is best for anyone who wants to make a large furniture purchase at Ashley Furniture and needs financing options.

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Ashely Advantage® Credit Card
The Ashley Advantage card is best for anyone who wants to make a large furniture purchase at Ashley Furniture and needs financing options.
No welcome offer available.
No offer available
$0
Why We Like This Card

The Ashley Advantage card is ideal for individuals who wish to make a substantial furniture purchase at Ashley Furniture and require financing options.

Pros & Cons
Pros
  • Up to 60 months of special financing
  • Membership in Orange Rewards, which offers benefits such as birthday perks, 10% off the first Tuesday of every month, exclusive invites and sneak peeks, and $50 in Ashley rewards (redeemable on in-store purchases made with your card) after at least 2 purchases totaling $2,500 or more per offer period.
  • No annual fee
Cons
  • High APR after the special financing period
  • You can only use the card at Ashley stores, Ashley outlets, and on Ashleyfurniture.com
Read Full Review
Card Highlights
  • Up to 60 months of special financing
  • Membership in Orange Rewards, which offers benefits such as birthday perks, 10% off the first Tuesday of every month, exclusive invites and sneak peeks, and $50 in Ashley rewards (redeemable on in-store purchases made with your card) after at least 2 purchases totaling $2,500 or more per offer period.
  • No annual fee
Financial Snapshot
  • Foreign Transaction Fees: 

The Ashley Advantage card is more of a financing program than a true credit card. It can only be used at Ashley Furniture Home Stores and offers multiple financing options upon approval.

The 6-month financing plan does not require a minimum purchase when made online, but it may require one when buying in stores. The 12- and 24-month plans have minimum purchase requirements that may vary depending on whether you make a purchase online or in-store, and a store may not offer the 24-month plan. The 60-month financing plan is only valid for in-store purchases. Read the fine print on any financing offer to see if you can use a discount offer with them.

Belk Rewards+ Mastercard

The Belk Rewards card earns 1 point per $1 at Belk and allows returns without a receipt. Depending on how much you spend with Belk each year, you get benefits including rewards points, free standard shipping, a birthday reward, and pick-your-own sale days.

Discount Tire Store Card

The Discount Tire/America’s Tire credit card provides a no-interest promo for your first purchase. The promotional no-interest timeframe can be 6, 9, or 12 months. To qualify for 6 months of no interest, your purchase must be between $199 and $999.99. To qualify for 9 months of no interest, your purchase must be between $1,000 and $1,499.99. Finally, purchases of $1,500 or more qualify for a no-interest 12-month period. Many credit cards with 0% interest rates for up to 18 months, if that’s something you’re looking for in a card.

MyLowe’s Rewards™ Credit Card

MyLowe’s Rewards™ Credit Card
MyLowe’s Rewards™ Credit Card
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs 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.

MyLowe’s Rewards™ Credit Card
Earn a 20% discount on your first purchase (up to $100 discount) when you open the card.
20% Discount
$0
31.99%
Why We Like This Card

The MyLowes Rewards card offers flexible savings on home improvement purchases, whether you choose 5% off eligible purchases or financing offers. There’s no annual fee, and cardholders get elevated MyLowe’s Rewards status and Lowe’s shopping benefits.

Pros & Cons
Pros
  • Flexible promotional offers
  • No annual fee
  • Automatic MyLowe’s Rewards Silver status
Cons
  • Offers can’t be combined
  • High APR if you carry a balance
Read Full Review
Card Highlights
  • Receive a 20% discount on your first purchase (up to $100 discount) when you open your card
  • Flexible promotional offers
  • No annual fee
  • Automatic MyLowe’s Rewards Silver status
Financial Snapshot
  • APR: 31.99%
  • Foreign Transaction Fees: 

The MyLowe’s Rewards card provides a 5% discount on all purchases from Lowe’s. You can also choose a 6-month special financing promotion on purchases of at least $299. If your project costs over $2,000, you’re eligible for project financing.

Rooms To Go Credit Card

The Rooms To Go credit card offers promotional 36-month interest-free financing on qualifying purchases. Similar to the credit card from Ashley Furniture, the Rooms To Go credit card primarily offers the option to finance purchases, as it cannot be used anywhere else.

Techron Advantage Visa®

The Techron Avantage card earns 3 cents per gallon in fuel credits on purchases with Chevron and Texaco. Additionally, you can earn up to 10 cents per gallon in fuel credit, depending on how much you spend with your card on nonfuel merchants in a given month. These fuel credits must be redeemed at Chevron or Texaco gas stations.

TJX Rewards® Platinum Mastercard®

TJX Rewards® Platinum Mastercard®
TJX Rewards® Platinum Mastercard®
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs 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.

Learn More
TJX Rewards® Platinum Mastercard®
$0
Pros & Cons
Pros
  • 5 points per $1 spent at TJX family of stores
  • 1 point per $1 spent everywhere else Mastercard is accepted
  • 1,000 points = $10 reward certificate
Cons
  • APR is extremely high
  • $38 late payment fees
Read Full Review
Card Highlights
  • 5 points per $1 spent at TJX family of stores
  • 1 point per $1 spent everywhere else Mastercard is accepted
  • 1,000 points = $10 reward certificate
  • Redeem certificates online or in stores
  • 4 annual member-morning, in-store T.J. Maxx shopping events for cardholders
  • Monthly entrance in sweepstakes to win $100 TJX gift cards
  • Fraud protection, identity theft assistance, price protection (eligible purchases), extended warranty (eligible items), and other additional standard Mastercard benefits
  • No annual fee

Financial Snapshot
  • Foreign Transaction Fees: 

The TJX Rewards Platinum card is part of the Mastercard network, so it can be used anywhere Mastercard is accepted. It earns 5 points per $1 at the TJX family of stores and 1 point per $1 everywhere else. For every 1,000 points you earn, you receive a $10 certificate that can be redeemed at any of the stores in the TJX family.

Getting Approved for Credit Cards With Synchrony Bank

Synchrony Bank credit cards are typically considered more accessible than cards from major issuers, especially store-branded cards. Applicants with fair or average credit still have reasonable approval odds, particularly for retail cards and financing products.

Although approval is never guaranteed, you’re likely to get approved with a credit score in the low-to-mid-600s or higher. Factors including income, debt, recent credit inquiries, and payment history also influence approval odds. A secured card may be a better choice if you have a poor credit score.

You can improve your chances of approval by keeping credit utilization low, paying credit card statements in full as much as possible, maintaining old accounts, and always making at least the minimum payment on time.

Hot Tip:

If you’d like more options, learn about the easiest credit cards to get approved for.

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Final Thoughts

While there are clearly tons of options for credit cards from Synchrony, what they have in quantity, they seriously lack in quality. The Amazon Store Card, Sam’s Club cards, Verizon Visa card, and Cathay World Elite card might be helpful to a small segment of the population, but there’s a reason we don’t hear as much about Synchrony cards as we do about those from Chase or American Express. When it comes to earning miles and points for travel, Synchrony offers almost nothing.

If you’re just starting out, stick with earning Chase Ultimate Rewards and follow our guide for beginners to make the most of your credit card applications.

The information regarding the American Eagle Real Rewards Credit Card, At Home Mastercard, Belk Rewards+ Mastercard, BP Rewards Visa, Nissan Visa, Norwegian Reward Credit Card, PayPal Cashback MasterCard, eBay MasterCard, eBay Platinum MasterCard, Sam’s Club Business MasterCard, TJX Rewards® Credit Card, ABC Warehouse, ABT, Amazon Store Card, American Signature Furniture Store Card, America’s Tire Store Card, Bargain Outlet, Bernina, Big Sandy Superstore, Bjorn’s, Briggs & Stratton, Carpet One, Pep Boys CarCareONE Card, Chevron And Texaco: Techron Advantage Premium Card, Chevron And Texaco: Techron Advantage Card, Citgo Rewards Card, Techron Advantage Visa®, City Furniture, Conoco Store Card, Discount Tire Store Card, DX Engineering, Electronics Express, Ethan Allen Store Card, Flooring America, Freedom To Ride, Guitar Center Store Card, Havertys Store Card, Hudson’s Furniture, Husqvarna, JCPenney, Jewelery Exchange Store Card, Kraft Music, La-Z-Boy, Levin Furniture, Maaco, Mavis Tire, McCoy’s, Meineke, Metro Mattress, Midas Store Card, Mohawk Flooring, Morris Home Furnishings, Musician’s Friend, Napa EasyPay Store Card, Nautilus, Newegg, P.C. Richard & Son, Regency Furniture Showroom, Rooms To Go Credit Card, Sam Ash, Sam’s Club Store Card, Sewing & More, Sheely’s Furniture, Specialized, Summit Racing Equipment Speedcard, Sutherlands, System Pavers, Sweetwater, Tire Pros, Westrich Furniture & Appliances, Value City Furniture, Amazon Prime Store Card, Ashley Advantager Credit Card, Norwegian Reward Credit Card, OnePay CashRewards Card, Synchrony HOME Credit Card, Synchrony Luxury Credit Card, Synchrony Music & Sound Credit Card, Synchrony Outdoors Credit Card, Synchrony Project Card, Synchrony Sewing & More Credit Card, 4 Wheel Parts Credit Card, AAMCO Credit Card, Alside Synchrony Project Card, At Home Insider Perks Store Card, Belfort Furniture, Belle Tire Credit Card, Bernina, Brakes Plus Credit Card, BrandsMart USA, Cardi’s Furniture & Mattresses Credit Card, Car-X Credit Card, Citgo Rewards Card, Crutchfield Credit Card, Dock86 Credit Card, DR Power Credit Card, Express Oil Change Credit Card, Fleet Farm Credit Card, Floor & Decor Credit Card, Fred Meyer Jewelers Platinum Preferred Credit Card, Furniture Row, Generac Credit Card, Google Store Financing Account, Hank’s Fine Furniture and Mattresses, Harbor Freight Credit Card, Home Outlet Credit Card & Financing, HSN Credit Card, Ivan Smith Credit Card, Jerome’s Furniture, Jiffy Lube Credit Card, JTV Preferred Account Credit Card, Kane’s Furniture, Kittle’s Furniture, Living Spaces, LL Flooring, Marlo Furniture Credit Card, Mathis Home, Mattress Warehouse, myWalgreens Credit Card, Pandora Credit Card, Phillips 66 Credit Card Rewards Program, QVC QCard, REEDS Jewelers Credit Card, Rheem Credit Card, ScoreRewards Credit Card, Sleep Number, Sleep Outfitters, TechNet Credit Card, The Container Store Credit Card, The J.Crew Credit Card, TIVOL Credit Card, Town Fair Tire Credit Card, Tuffy Tire & Auto Service, US Appliance Credit Card, WG&R Furniture, Woodwind Brasswind Credit Card, and Ziebart was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Featured Image Credit: Pavel Kapysh via Shutterstock

Frequently Asked Questions

What is Synchrony Bank?

Synchrony is a consumer financial services company that issues more than 140 credit cards and store-branded cards.

How do you know if a Synchrony card is a store card or credit card?

A credit card from Synchrony operates on the Visa or Mastercard network, as signified on the card. It can be used anywhere that accepts these payment networks. A store card does not have this designation and can only be used at the store that issues the card.

What are the best Synchrony credit cards?

Some of the best cards offered by Synchrony are the Amazon Store Card, Sam’s Club cards, Verizon Visa card, and Cathay World Elite card

Does Synchrony report to credit bureaus?

Yes, Synchrony reports to the 3 main credit bureaus, Equifax, Experian, and TransUnion, typically on your statement closing date.

Does Synchrony have an app?

Synchrony offers the MySynchrony mobile app, but you can only use it to manage private-label credit card accounts. Alternatively, many retailers have apps you can use to manage your store-branded card account.

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About Jessica Merritt

A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little cash as possible.

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Platinum Card® from American ExpressTerms Apply / Rates & Fees

Platinum Card® from American Express

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Platinum Card® from American Express

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 $8,000 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.
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  • More Value! 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 complimentary Delta Sky Club® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges. * As of 07/2025.
  • More Value! $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.
  • More Value! $300 Digital Entertainment Credit: Get up to $25 in statement credits each month after you pay for eligible purchases with the Platinum Card® at participating partners. Enrollment required.
  • More Value! $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.
  • New! $400 Resy Credit + Platinum Nights by Resy: When you use the Platinum Card® to pay at U.S. Resy restaurants and to make other eligible purchases through Resy, you can get up to $100 in statement credits each quarter with the $400 Resy Credit benefit. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you, enrollment required.
  • More Value! $209 CLEAR® Plus Credit: CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. You can cover the cost of a CLEAR Plus Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR Plus with the 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 upon arrival, when available, and guaranteed 4PM check-out.
  • New! $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: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card®.*Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
  • $100 Saks Credit: Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on the Platinum Card®. That’s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. No minimum purchase required. Enrollment required.
  • 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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