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The Platinum Card® from American Express

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A choice option for people who spend a lot of time gazing from airplane windows or checking into hotels, the prestigious Platinum Card from American Express provides a bevy of high-end benefits. Despite a heavy annual fee, the profusion of perks makes this card feel worth it; you’ll get the best airport lounge access for a card, a variety of annual credits, and Marriott Bonvoy Gold Elite and Hilton Honors Gold statuses (enrollment required).

American Express is a Credit Card Insider advertiser.

(Rates & Fees)

Our rating
Min. credit level: Good
Annual Fee: $550
Regular APR: See Pay Over Time APR

The Platinum Card® from American Express

Our rating
Good Min. credit level
$550 Annual Fee
Apply Now Read Our Review

Highlights & Features

(Rates & Fees)


Spending Rewards
  • 5X Membership Rewards points per dollar (on up to $500,000 spent per calendar year, then 1X) on:
    • Flights booked directly through airlines or through American Express Travel
    • Prepaid hotels booked through American Express Travel
  • 2X Membership Rewards points per dollar on other eligible travel expenses booked through American Express Travel
  • 1X Membership Rewards point per dollar on all other purchases
Introductory Bonus
  • 75,000 bonus points for spending $5,000 in the first 6 months; 10X points on eligible purchases at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, in the first 6 months

American Express Membership Rewards Travel Partners

Airline Partners

  • Alitalia MileMiglia
  • Asia Miles
  • British Airways Executive Club
  • Delta Sky Miles
  • Emirates Skywards
  • Etihad Guest
  • Finnair Plus
  • Flying Blue
  • Iberia Plus
  • Qantas Frequent Flier
  • Singapore KrysFlyer
  • SAS EuroBonus
  • Virgin Atlantic Flying Club

Hotel Partners

  • Hilton Honors
  • Marriott Bonvoy
  • Radisson Rewards

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card


Penalty APR See Rates & Fees
Late Fee Up to $40
Returned Payment Fee Up to $40
Additional Cards Annual Fee $175 for first 3; then $175 per card
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 25.24% Variable
Cash Advance Fee Either $10 or 5% of the amount of each cash advance, whichever is greater.
How to Get a Cash Advance with a Credit Card
The Platinum Card® from American Express


(Rates & Fees)
  • Earn 75,000 Membership Rewards® Points after you spend $5,000 on purchases on your new Card in your first 6 months of Card Membership.
  • Earn 10x points on eligible purchases on your new Card at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership. That’s an additional 9 points on top of the 1 point you earn for these purchases.
  • 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 and Additional Centurion Cards only.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year.
  • 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • Enjoy complimentary access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits through American Express Travel with an average total value of $550 with Fine Hotels & Resorts® program at over 1,100 properties . Learn More.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
  • $550 annual fee.
  • Terms Apply.

American Express

American Express has several card types depending on your needs.

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The Platinum Card® from American Express is a high-end luxury card, complete with perks and benefits fit for jet-setters. It’s often considered one of the most luxurious cards that the general public can apply for.

Cardholders will earn 5X Membership Rewards points per dollar on flights booked directly from airlines or through Amex Travel, and on eligible prepaid hotels through Amex Travel. 2X points are awarded for other eligible purchases from Amex Travel.

There’s a long list of great travel perks, including complimentary airport lounge access to a wide variety of lounge brands through the Global Lounge Collection, which includes Centurion Lounges, Priority Pass Select, Delta Sky Clubs, and more. Automatic Hilton Honors Gold status and Marriott Rewards Gold status are both included.

There are a number of annual credits to make use of, and a couple others:

  • $200 Uber credit
  • $100 Saks Fifth Avenue Credit
  • $100 Global Entry or $85 TSA Pre✓ Application Fee Credit
  • $100 hotel credit through The Hotel Collection (good for every eligible two-night stay)

From the best complimentary airport lounge access available on a card, a personal 24/7 concierge, and a laundry list of other rich benefits, the Platinum Card from American Express delivers on its rare metal namesake.

Enrollment is required to access certain benefits; terms and limitations apply.

The Platinum Card has an annual fee of $550 (Rates & Fees).