The Platinum Card® from American Express

The Platinum Card® from American Express is a high-end luxury charge card, complete with perks and benefits fit for jet-setters. It’s often considered one of the most luxurious credit 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 Airline Incidental Fee Credit
  • $200 Uber credit
  • $100 Saks Fifth Avenue Credit
  • $100 Global Entry or $85 TSA Pre✓ Application Fee Credit (only once every four years)
  • $75 hotel credit through The Hotel Collection (good for every eligible two-night stay)

From the best complimentary airport lounge access available on a credit 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.

The Platinum Card has an annual fee of $550 and is a charge card, meaning it must be paid in full each month and you can’t revolve a balance.

Manage My Card

Want to pay a bill or check your balance?

Card Details



  • 5X Membership Rewards points on:
    • Flights booked directly with airlines
    • Flights booked with Amex Travel
    • Eligible hotels booked with Amex Travel
  • 2X Membership Rewards points on other eligible purchases from Amex Travel
  • 1X Membership Rewards point on all other purchases
How to Redeem

Introductory Bonus

  • 60,000 bonus points for spending $5,000 in purchases in the first 3 months
Card Stats

Card Stats

Annual Fee $550
Additional Cards Annual Fee -
Regular Purchase APR -
Intro Purchase APR -
Foreign Transaction Fee None
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR None
Late Fee Up to $39
Returned Payment Fee Up to $38
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR -
Balance Transfer Fee -
Cash Advances

Cash Advances

Cash Advance APR -
Cash Advance Fee Either $10 or 5% of the amount of each cash advance, whichever is greater.

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • $200 Annual Airline Fee Credit

    Covers incidental fees, such as checked bags and inflight refreshments. Must be charged by the airline to your card. Applies to one selected, qualifying airline per year.

  • Amex Global Lounge Collection

    Provides complimentary access to The Centurion Lounges, Priority Pass lounges, Delta Sky Clubs, Escape Lounges, Airspace Lounges, and American Express International Lounges. Authorized users receive mostly the same access, though this may be limited depending on the lounge.

  • Fee Credit for Global Entry or TSA Pre✓

    Apply for Global Entry ($100) or TSA Pre✓ ($85) with your card to get a statement credit for the application fee once every 4 years. These services provide expedited screening at certain airports.

  • $200 Annual Uber Credit

    You’ll get a statement credit for up to $15 in Uber rides and UberEATS purchases each month, except for December, which has a $35 credit.

  • $100 Annual Saks Credit

    Up to $100 in statement credits per year at Saks Fifth Avenue: $50 from January through June, and $50 from July through December.

  • Starwood Preferred Guest® Program

    Cardholders get an SPG Gold Elite Preferred Membership automatically. Includes a point bonus, hotel room upgrades when available, late checkouts, and the opportunity to earn nights and free flights with SPG Flights.

  • Hilton Honors Gold Status

    Get complimentary Hilton Honors Gold Status. Provides benefits, services, and reward stays at hotels and resorts in the Hilton Portfolio.

  • Fine Hotels & Resorts

    Provides a suite of benefits at participating locations. Includes room upgrades and daily breakfast for two.

  • The Hotel Collection

    Get a $75 hotel credit and room upgrades at participating hotels when booking eligible stays of two nights or more.

  • Platinum Card Concierge

    Provides non-emergency assistance of many kinds, at any time.

  • Platinum Travel Service

    Consult with professional travel advisors to get recommendations and create custom itineraries.

  • Premium Private Jet Program

    Visit Delta Private Jets to book charter flights flights Delta Private Jets. Includes a 20% discount on certain commercial flights.

  • International Airline Program

    Save on companion tickets when you purchase an international ticket.

  • Preferred Seating Program

    Exclusive seating at sports, concerts, and other entertainment events at leading venues. You also get tickets before other people to eligible events.

  • DEPARTURES Magazine

    Get an exclusive magazine that’s published 7 times a year for Platinum Card Members. It focuses on travel, style, culture, shopping, dining, and the interesting, inspiring, and unexpected.

  • Car Rental Privileges

    Special upgrades and discounts on premium car rental programs at Avis, Hertz, and National Car Rental.

  • Global Dining Collection

    Exclusive access to reservations and experiences at restaurants. Includes meetings with chefs and special table access.

  • Tier One Program

    Eligible businesses, spending at least $5 million per year, may be invited to join this program for enhanced benefits.

  • Amex Offers

    Get significant discounts at specific participating merchants.

  • Entertainment Access®

    Exclusive access to ticket presales and cardmember-only events in your city.

  • Zero Fraud Liability

    You won’t be held responsible for unauthorized transactions. Contact customer support immediately if you suspect fraud.

  • Dispute Resolution

    Help with fraudulent transactions.

  • Extended Warranty

    For eligible warranties of five years or less you can get up to two extra years added to the original manufacturer’s warranty.

  • Purchase Protection

    Items purchased with your card are protected against accidental damage and theft within 90 days of the purchase.

  • Return Protection

    If the merchant won’t take back an eligible item that you purchased on your card within 90 days from the date of purchase, American Express may refund the purchase price, minus shipping and handling, for up to $300 per item, up to $1,000 per year for each account.

  • Global Assist® Hotline

    When you travel 100 miles or more from home you can get help with travel accidents such as a lost passport, the need for a lawyer, sudden illness, and more. You pay for all third-party service costs.

  • Baggage Insurance Plan

    When you buy a common carrier ticket on your card, eligible lost, damaged, or stolen bags are covered up to $3,000 for carry-on baggage & checked bags together and up to $2,000 for checked baggage only.

  • Travel Accident Insurance

    Added financial security if accident or death is caused when traveling by plane, train, ship, or bus; up to $500,000 in coverage.

  • Car Rental Loss and Damage Insurance

    Eligible stolen or damaged vehicles are covered if you use your card to pay and reserve the rental, and you decline the rental company’s own insurance. Provides secondary coverage only, not primary coverage.

  • Roadside Assistance Hotline

    Assistance with services such as towing, changing a flat, or boosting a battery in case of emergency. American Express covers your eligible charges four times. You cover third party costs after that. Restrictions apply.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

Submit your review

Create your own review

Average rating:  
 5 reviews
by Karsten
Amex & Expedia

Amex travel does use Expedia. Literally booked a hotel yesterday in Paris for $246 and used my points to pay for it. When I got to the hotel the receptionist stated that it was booked through Expedia and showed me the Expedia printout - for $194. So, I paid about an extra $50 in points to the Amex Travel website which I think is a poor practice and misleading for the points actually spent.Other than that, I’ve found that many places outside the US won’t accept Amex, so I’m resorting to using my Visa card anyways for international purchases.If you travel A LOT, it’s worth it, if not then I’d say look for something else.

by Duane Hamann
From Charge to Credit

The measure to determine what type of credit card a bank issues is based partly on an affordability assessment. Another factor is your education, annual income and nett worth. So, if you qualify for an Amex Platinum Charge, everyone knows that your credit is excellent, you have a respectable income and most likely own more property than just your home. However, because it's a charge card, you need to settle the full amount every month, therefore Amex can claim that your card has no limit. If you don't settle the full balance at the end of the month, the card stops working. Limited exposure for Amex. The rewards program has loads of value. I charge everything and anything to my card, wherever Amex is accepted, I charge it. Recently I flew to London with my partner, my flights and accommodation was paid for using my rewards. You know the value of your Amex when you’re flying business class with your partner to London without paying out a cent, you know the value when you get VIP treatment the minute you check into your hotel. Unlike other ordinary credit cards that offer pie in the sky points that usually have no value to you in real life, you know the value of your Amex because the rewards are as good as cash and it’s free, even if you factor in the annual fees. Those who don’t qualify won’t understand the value.

by Raspberry jam
Agree, they are amazing... other review is fake

Just to add, the concierge and travel services for Amex are second to none. I’ve used them and continue to use them on a very regular basis. I have literally told them what I wanted, provided my expectations, and had them call me back with a detailed itinerary to approve or make changes to with all kinds of info. Better than the best travel agent.1. They don’t outsource to Expedia2. I don’t need to brag about what I spend but given the reviewer spends “50-100k” per month or whatever he would have long been invited for the black card.3. Further I’ve stayed many places and I too have traveled all over... so curious the comment about the hotel he spent $10k on for a few days and the issues. If you book via Expedia or Amex I’m pretty sure spending $10k for a few days... your going to be treated well and not chastised for your booking choice... give me a break.

by Thomas Walker
American Express Platinum travel

I have an upcoming trip to Italy, one element of which is a stay at one of Amex's fine hotels. When I read the review claiming the American Express service has been outsourced to Expedia my alarm prompted me to contact American Express. I copied the scathing review and included it in my conversation. American Express categorically denied that their travel service has ben outsourced to Expedia. Furthermore, the agent has escalated the complaint further up the food chain for additional investigation.My own experience with American Express Platinum has been uniformly excellent. If I experience anything to corroborate this complainer's account I'll come back and correct what I'm saying here. Until then, I'm inclined to believe the poster is a competitor or otherwise disgruntled person.In addition to the fact I've already reported, namely that the American Express Platinum travel service has NOT been outsourced to Expedia, here's more evidence that the reviewer is a malign troll. He says "Happened again with the rental car, I’m put into a line with a bunch of chain smoking, price shopping, red necks and listed like Expedia again and the guy behind the counter treats me like it."When an American Express Platinum member opts to join, say, Avis Preferred or Hertz Gold Plus (which is free to cardholders), the member receives physical membership cards specifying the level of membership. He was "put into a line" despite having substantiating credentials? Notice also that what he says slimes Expedia. Expedia users are "chain smoking, price shopping, red necks?" And treated like 2nd class citizens by suppliers? Oh, in exactly which rental car pickup facility is smoking a single cigarette, let alone anything resembling chain smoking, permitted?Austin's disparaging review is derogatory fiction.

by Mike Austin
Raspberries after 5 years of loyalty.

Expedia has taken over the booking for American Express Platnium travel customers. There is no longer a way to get customer service or leave a review. Dead links everywhere. When you book a fine hotel and resort and you show up they list you as Expedia and you don’t get the contracted upgrades. I recently spent $10k on a few days in a hotel and had to ask 3 times for what was suppose to be contracted from the AmEx travel website. I finally asked what they had me listed as and they told me, indignantly, Expedia. When I told them AmEx fine hotels and resorts they spent the next two days apologizing but the problem was my stay was already mostly over. Happened again with the rental car, I’m put into a line with a bunch of chain smoking, price shopping, red necks and listed like Expedia again and the guy behind the counter treats me like it. You prepay the fee so when my contract is up I won’t renew AmEx platnium. I spend and pay off $50k-$100k a month on the card. This card I have had for 5 years and it’s no longer worth it. The 5x and 30% points back is a joke. You won’t be able to figure it out and it’s a “gotcha” mantality. Good luck. They are trying to be more like every other card, but they still keep transaction cost high and take profits. Call center turned into garbage as well. They don’t know what they use to and the Customer XP is raspberries. No friend to small business.

The Insider

Susan Shain
6 Best Credit Cards for International Travel
Susan Shain | Aug 16, 2019

Heading abroad soon? Then check out this list of the six best credit cards for international travel — they'll have you traveling in style in no time.

Read More
Sean Messier
How to Build Credit: 5 Ways to Increase Your Credit Scores
Sean Messier | Aug 15, 2019

Using a credit card is far from the only way to build credit. Here, we explore several ways to establish, repair, and improve your credit scores.

Read More
Sean Messier
What Happens If You Don’t Activate a Credit Card?
Sean Messier | Aug 12, 2019

Even if you didn't activate a new credit card, the account is probably open and affecting your credit scores. Read this to learn what to do next.

Read More