The Platinum Card From American Express (Best Lounge Access Card)

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BEST LOUNGE CARD

Terms Apply / Rates & Fees

Platinum Card^® from American Express

U.P. Rating

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 OfferYou 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

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)

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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

Our Verdict

When you think of a premium credit card, odds are you think of the Platinum Card^® from American Express — and you’d be right to do so. Not only is the Amex Platinum card one of the best credit cards on the market, it is also best known as the No. 1 airport lounge access card with exclusive network access

The Amex Platinum card combines elite travel and lifestyle benefits like access to 1,550 airport lounges worldwide, including the luxurious Amex Centurion Lounges, elite status with 3 hotel chains, and yearly credits with Uber, Resy, lululemon, Saks Fifth Avenue, and more.

When you combine all of its perks and benefits along with the massive value you can receive from the welcome bonus, it is easy to see why the Amex Platinum card is perfect for anyone who wants a premium credit card experience.

American Express Centurion Lounge Houston — American Express Centurion Lounges are considered some of the best in the states.

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

Apply for The Amex Platinum Card

Pros

Access to over 1,550 Lounges including: Amex Centurion lounges, Priority Pass lounges (enrollment required), Plaza Premium lounges, Airspace lounges, Escape lounges, and 10 visits to Delta Sky Clubs (when flying Delta the same day) with the ability to unlock unlimited visits through spend
Earn 5x points for flights booked directly with airlines or with AmexTravel.com (up to $500,000 on these purchases per calendar year, then 1x) and 5x points on prepaid hotels booked with AmexTravel.com.
Up to $200 in airline fee credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline. Enrollment is required.
Up to $200 in Uber Cash: Receive Uber VIP status and up to $200 in Uber savings on rides or eats orders in the U.S. annually.
Up to $600 in hotel credit: Get up to $600 back in statement credits each year on prepaid Fine Hotels + Resorts or The Hotel Collection bookings through American Express Travel when you pay with your card. Hotel Collection requires a minimum 2-night stay.
Up to $300 in digital entertainment credit: Get up to $20 back each month on eligible purchases made with your card on one or more of the following: Disney+, the Disney+ Bundle, ESPN+, Hulu, the New York Times, Peacock, Paramount+, YouTube Premium, YouTube TV, and the Wall Street Journal. Enrollment is required.
Up to $400 in Resy credit: Get up to $100 in statement credits each quarter, for a total of up to $400 in statement credits each year, when you use your card to pay at any restaurant available through Resy.
Up to $300 in lululemon credit: Get up to $75 in statement credits each quarter, for a total of up to $300 in statement credits each year, when you use your card to purchase items from lululemon.
Up to $155 in Walmart+ credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your card. Cost includes $12.95 plus applicable local sales tax.
Up to $300 in Equinox credit: Get up to $300 back each year on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your card. Enrollment required.
Up to $209 in CLEAR+ credit: Use your card and get up to $209 back per year on your CLEAR+ membership.
$200 Oura Ring credit: One-time credit toward the purchase of an Oura Ring.
Complimentary Hilton Honors Gold and Marriott Bonvoy Gold Elite status upon enrollment
Complimentary Leading Hotels of the World Leaders Club Sterling status upon enrollment
TSA PreCheck or Global Entry application fee statement credit of up to $120

Cons

$895 annual fee (rates & fees)
Limited bonus earning categories

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

Don’t Get If

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

Great Card If

You’re a frequent traveler who wants a card with best-in-class airport lounge access.
You want a card with premium travel and lifestyle perks.
You can easily take advantage of all of the annual credits like Uber, Resy, hotel stays, lululemon, digital entertainment, and more.
You want a card that gives you elite treatment at hotels via Amex Fine Hotels and Resorts, and complimentary elite status with Hilton, Marriott, and Leading Hotels of the World.

Apply for the Amex Platinum Card