American Express · Amex
American Express Platinum
Annual Fee
$895
After credits: $495
Sign-Up Bonus
$3500
Spend $12,000 in 6mo
Terms apply.
Base Rate
1x
on everything
Best For
Travelers who'll use the airline, hotel, dining & lifestyle credits ($3,500+ advertised value)
Sign-Up Bonus
Bonus: 175,000 points
Details: As high as 175,000 Membership Rewards points after $12,000 spend in 6 months. Amex welcome offers are targeted/vary by applicant (NLL) — many see a lower offer or none.
Requirement: Spend $12,000 in 6 months
Estimated value: $3,500Terms apply.
Reward Categories
Flights booked directly or via Amex Travel (up to $500k/yr)
Prepaid hotels booked via Amex Travel
Point value: ~2.0¢ each
Key Benefits
Add card to Uber app → up to $200/yr Uber Cash for U.S. rides & eats, auto-loads monthly
Up to $120/yr in statement credits for an auto-renewing Uber One membership paid with the card
Select one airline → up to $200/yr in baggage & incidental fee credits
Up to $600/yr in statement credits on prepaid FHR or Hotel Collection stays via Amex Travel
Up to $100/quarter at U.S. Resy restaurants — enrollment required
Up to $300/yr at participating partners — enrollment required
Up to $300/yr in statement credits at lululemon — enrollment required
Up to $200/yr in statement credits toward an Oura Ring & membership
Up to $300/yr toward an Equinox or Equinox+ membership — enrollment required
Up to $12.95/mo statement credit covers a Walmart+ membership
Up to $209/yr covers a CLEAR Plus membership
Centurion Lounges, Priority Pass, Delta Sky Club (when flying Delta) & partner lounges
Statement credit for the application fee every 4–4.5 years
Complimentary mid-tier elite status at both chains — enroll via Amex
Pros & Cons
Pros
- + Global Lounge Collection — Centurion + Priority Pass + Delta Sky Club access
- + Deep credit stack (hotel, airline, Resy, CLEAR, Uber, Equinox, lululemon, Oura)
- + Hotel elite status
- + Premium travel insurance
Cons
- - Very high annual fee
- - Credits require enrollment + specific spend to realize
- - 5x only on flights & prepaid hotels — 1x everything else
Transfer Partners
Transfer points to 8 airline and hotel partners for potentially higher value.
Rates and fees may vary.See current rates, fees, and terms on American Express's site
Recommended credit score: 720+
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
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