Platinum Card® from American Express

The Platinum Card® from American Express is a luxury charge card, complete with perks and benefits fit for jet-setters.

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

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  • Rewards
    • Membership Rewards® Program – use rewards points for travel, hotels, cruises, or vacation booking
    • Earn 1 Membership Rewards® point per $1 spent
    • Earn 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel
    • Earn 5X Membership Rewards® points on eligible hotels booked on
  • Signup Bonus Earn 60,000 points after you make $5,000 in purchases in your first 3 months
  • Chip Technology Chip-and-Signature
  • Foreign Transaction Fee 0%
  • Intro Balance Transfer APR -
  • Regular Balance Transfer APR -
  • Cash Advance APR -
  • Penalty APR -
  • Late Fee Up to $38
  • Returned Payment Fee Up to $38

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.


  • $200 Annual Airline Fee Credit

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

  • Amex Global Lounge Collection

    Provides access to The Centurion℠ Lounges, Delta Sky Clubs®, and Airspace Lounges. You can also enroll in Priority Pass™ Select for free.

  • Boingo Internet

    Provides unlimited WiFi at Boingo hotspots when you enroll your card.

  • Fee Credit for Global Entry or TSA Pre✓TM

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

  • $200 in Uber Credits Each Year

    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.

  • International Airline Program

    Save on companion tickets when you purchase an international ticket.

  • Starwood Preferred Guest® Program

    Cardholders get SPG Gold Preferred Membership automatically. Includes hotel room upgrades whenever they are 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 hotel credit and room upgrade at participating hotels.

  • 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 of 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.

  • Premium Private Jet Program

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

  • Business Platinum Card Concierge

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

  • 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.


  • Dispute Resolution

    Help with fraudulent transactions.


  • Extended Warranty

    For warranties of 5 years or less you can get up to one extra year 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 $1000 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.

  • Car Rental Loss and Damage Insurance

    Stolen or damaged vehicles are covered if you use your card to pay and reserve the rental, and you decline the collision damage waiver. Not all rentals or vehicles are covered. Provides secondary coverage only, not liability 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 charges 4 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.

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Average rating:  
 3 reviews
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.

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