The Amex Platinum Card [Premium Benefits]

BEST LOUNGE CARD

Terms Apply / Rates & Fees

Platinum Card^® from American Express

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

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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.

Welcome 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. 

As High As 175,000 Points. Find Out Your Offer.

UP's Offer Valuation*:

Up to $3,850

Annual Fee

$895

APR

See Pay Over Time APR

Credit Recommended

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, you’d be hard-pressed to find a better card out there than the Platinum Card^® from American Express.

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

 

Pros & Cons

Pros

• The best airport lounge access out of any card (by far) — enjoy access to over 1,550 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges (enrollment required), 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 and Uber One, Resy, Saks Fifth Avenue credit, lululemon 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 and Amex International Airline Program
• Access to Amex transfer partners
• No foreign transaction fees (rates and fees)

 

Cons

• $895 annual fee (rates and 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 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.
• $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 make eligible purchases with Resy, including dining purchases at U.S. Resy restaurants. Enrollment required. 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.
• $209 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 $209 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 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: 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.
• 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

 

Welcome Offer Details

Our Verdict

The Platinum Card^® from American Express is likely top of mind when you think of a premium credit card, and with its newly refreshed benefits, it’s worth considering if you don’t already have one.

The Amex Platinum card combines elite travel and lifestyle benefits like access to over 1,550 airport lounges worldwide, elite status with 3 hotel chains, and new and improved annual statement credits such as up to $600 in annual prepaid hotel credit, up to $400 in annual Resy credit, up to in $300 digital entertainment credit, up to in $300 lululemon credit. In fact, these annual statement credits not only help offset the annual fee, but they also provide you with thousands of dollars in annual value. Keep in mind that some benefits might require enrollment.

Plus, unlike typical credit cards that have a credit limit, the Amex Platinum card has no preset spending limit — the amount you can spend adapts based on factors such as your purchase, payment, and credit history.

When you combine all of these benefits with the massive welcome offer, it’s clear why the Amex Platinum card remains one of the top credit cards available. The newly added perks make it an even better choice for anyone seeking a truly elevated credit card experience.

Where We Find Value

Below, you’ll find our estimated valuation for this card and its benefits. These proprietary valuations consider how much an average cardmember with moderate annual travel uses each benefit, along with our valuation of 2.2 cents per Amex Membership Rewards point.

* The bonus value of the welcome offer as well as the value of benefits are an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.
** Some benefits require enrollment through your American Express account.

Benefits Compared to Annual Fee

Don’t Get If

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

Great Card If

• You travel often enough to take advantage of the premium travel perks.
• Worldwide airport lounge access is important to you (this is the best lounge access card).
• You’re able to use a large number of the annual statement credits.
• You want expedited hotel elite status at Marriott, Hilton, and Leading Hotels of the World properties.
• You want to take advantage of the new mirror-finish design, available for a limited time.

4 Exciting Ways You Could Use Your Welcome Offer

The public welcome offer for the Amex Platinum card is: 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.

Depending on how large a welcome bonus offer you’re eligible for, this could easily allow you to book a variety of experiences and destinations like:

• 2 round-trip economy tickets to Hawaii for 41,000 points per person when booking through Singapore KrisFlyer.
• 2 round-trip economy tickets from the U.S. to Italy for 50,000 points per person when booking through Air France-KLM Flying Blue.
• 2 round-trip first class tickets from the U.S. to Mexico for 40,000 points per person when booking through The British Airways Club.
• 2 round-trip economy tickets from the U.S. to Paris for 37,500 points per person when booking through Air France-KLM Flying Blue.

New Mirror Card Design

The special edition of Amex’s most premium cards has arrived. New and existing cardmembers can access the new card design for a limited time. It isn’t clear how long the mirror edition will be up for grabs.

• Airline incidental fee credit: Up to $200
  • Receive up to $200 in statement credits per year when incidental fees are charged to your card from your selected qualifying airline.
• Prepaid hotel credit: Up to $600
  • Get up to $600 back in statement credits each year, with up to $300 between January and June and $300 between July and December, on prepaid bookings through AmexTravel.com for Fine Hotels + Resorts or The Hotel Collection. Note: The Hotel Collection requires a minimum 2-night stay.
• Resy credit: Up to $400
  • Get up to $100 per quarter and up to $400 annually in statement credits when you use your card to pay at any restaurant featured on the Resy platform. Enrollment is required.
• Credit with lululemon: Up to $300
  • Receive up to $75 per quarter and up to $300 annually in statement credits when you use your card to purchase products at lululemon. Enrollment is required.
• Saks Fifth Avenue credit: Up to $100
  • Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com dispersed as $50 semiannually. Enrollment is required.
• Uber Cash credit: Up to $200
  • Receive $15 in Uber Cash for U.S. rides each month, plus a bonus $20 in December. That adds up to $200 in annual Uber savings. Just make sure your card is selected as your payment method on the app and redeem your Uber Cash.
• Uber One credit: $120
  • Receive a credit toward an Uber One membership, which offers you benefits like no delivery fees, up to 10% off eligible food and grocery orders, and 6% back in Uber One credits on eligible rides.
• Digital entertainment credits: Up to $300
  • Get up to $25 back in monthly statement credits on eligible purchases from select providers. Enrollment is required.
• CLEAR+ membership credit: Up to $209
  • Get up to $209 back per year when you pay for your membership with your card.
• Walmart+ monthly membership credit: Up to $155
  • Use your card to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back.
• Global Entry or TSA PreCheck fee credit: Up to $120
  • Receive either a statement credit every 4 years after you apply for Global Entry ($120) or a statement credit every 4 1/2 years after you apply for a 5-year membership for TSA PreCheck (up to $85 through a TSA PreCheck official enrollment provider) when you pay with your card.
• Oura Ring credit: $200
  • Receive an annual statement credit toward the purchase of an Oura Ring. Not applicable to the monthly membership fee. Enrollment is required.

Elite Status Details (Up to $500 or More in Value)

• Marriott Bonvoy Gold Elite status
  • Upon enrollment, receive upgraded rooms at certain Marriott properties upon check-in when available.
  • Given the benefits of a 25% bonus point, a welcome gift at check-in, room upgrades when available, complimentary in-room internet, and priority 2 p.m. late checkout, we believe the average traveler would receive $100 in value per year.
• Hilton Honors Gold status
  • Upon enrollment, receive complimentary Hilton Honors Gold status.
  • Hilton Gold elite members receive an 80% points bonus, room upgrades when available, and continental breakfast at most full-service properties. For an average traveler, we value these benefits at $100.
• Leaders Club Sterling status
  • Leaders Club Sterling elite members receive a 5% points bonus on stays, 5 prearrival room upgrades annually, daily continental breakfast, late checkout, and more. For an average traveler, we value these benefits at $100. Enrollment is required.
• Car rental privileges upon enrollment
  • Get complimentary premium status across a number of car rental programs, along with additional benefits and discounts. You have the choice to enroll in Avis Preferred, Hertz Gold Plus Rewards, and National Car Rental Emerald Club. Enrollment is required.
  • Since benefits vary by car rental provider, the exact value returned is hard to say. However, with benefits such as special perks, discounted pricing, fee waivers, and upgrades, we estimate the average traveler would see around $200 in value.