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American Express Platinum
Offer verified 2026-04-09Source: American Express official terms

American Express · Amex

American Express Platinum

78 / 100

Annual Fee

$695

After credits: $195

Sign-Up Bonus

$1600

Spend $8,000 in 6mo

Terms apply.

Base Rate

1x

on everything

Best For

Travelers who'll use $695+/yr in airline and hotel credits

Sign-Up Bonus

Bonus: 80,000 points

Requirement: Spend $8,000 in 6 months

Estimated value: $1,600Terms apply.

Reward Categories

travel

Flights via Amex/direct

5x
hotels

Prepaid via Amex Travel

5x
Everything else1x

Point value: ~2.0¢ each

Key Benefits

Airline Fee Credit ($200/yr)(~$200/yr)

Select airline in Amex account → covers bag fees, seat upgrades, in-flight purchases

Uber Cash ($15/mo + $20 Dec)(~$200/yr)

Add card to Uber app → Uber Cash auto-loads monthly

Saks Credit ($50 twice/yr)(~$100/yr)

Shop at Saks Fifth Avenue ($50 Jan-Jun, $50 Jul-Dec)

Hotel Credit ($200/yr)(~$200/yr)

Book prepaid hotels via Amex Travel portal

Digital Entertainment ($20/mo)(~$240/yr)

Enroll for Disney+, Hulu, ESPN+, NYT, Audible credits

Walmart+ ($12.95/mo)(~$155/yr)

Enroll via Amex benefits portal → auto-reimburses monthly charge

Resy Dining Credit ($20/mo)(~$240/yr)

Book and dine at Resy restaurants → statement credit auto-applies

Equinox Credit ($25/mo)(~$300/yr)

Pay Equinox membership with Platinum → $25/mo statement credit

Centurion Lounges(~$500/yr)

Show your Platinum card at any Centurion Lounge

Priority Pass(~$429/yr)

Register at prioritypass.com with your card

Global Entry/TSA PreCheck(~$100/yr)

Apply at ttp.cbp.dhs.gov, pay with this card (once every 4 years)

Marriott/Hilton Gold Status(~$200/yr)

Link card to Marriott/Hilton accounts for auto-status

Pros & Cons

Pros

  • + Centurion lounge access
  • + Extensive travel credits
  • + Hotel elite status
  • + Premium travel insurance

Cons

  • - Very high annual fee
  • - Must use credits to get value
  • - 5x only on flights

Transfer Partners

Transfer points to 8 airline and hotel partners for potentially higher value.

DeltaBritish AirwaysANASingaporeHiltonMarriottVirgin AtlanticAir Canada

Rates and fees may vary.See current rates, fees, and terms on American Express's site

Apply Now

Recommended credit score: 720+

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Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.