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The Platinum Card® from American Express

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(Rates & Fees)

Our rating
Credit range: Good
Annual Fee: $550
Regular APR: N/A

The Platinum Card® from American Express

Our rating
Good Credit range
$550 Annual Fee
Apply Now Read our Review

Highlights & Features

(Rates & Fees)


  • 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


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

Balance Transfers

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

Intro Balance Transfer APR None
Regular Balance Transfer APR None
Balance Transfer Fee See Terms


Penalty APR None
Late Fee Up to $39
Returned Payment Fee Up to $39
Additional Cards Annual Fee $175 for first 3; then $175 per card
Foreign Transaction Fee None

Cash Advances

Borrowing cash on your credit 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: 26.99% Variable
  • Cash Advance Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.

American Express

American Express has several card types depending on your needs.

Manage your Account & Pay your Bill

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Credit card issuer's website

Speak to Customer Service

1-800-801-6564 or

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The Platinum Card® from American Express


  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on
  • Enjoy 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 with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
  • See Rates & Fees

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)
  • $100 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 (Rates & Fees).