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The Platinum Card® from American Express

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Card review

The Platinum Card® from American Express

4.7 9.4/10 DebitCue Score Verified Jun 20, 2026

The definitive premium travel card with over $3,500 in annual credits and 1,550+ lounge access.

Fee: $895 USD/yr
Purchase APR: 19.49% - 28.49%
Interest-free: -
Foreign fee: None

Rewards

5x points on flights booked directly with airlines or through Amex Travel (up to $500,000/year); 5x on prepaid hotels via Amex Travel; 1x on all other purchases

Welcome offer

Up to 175,000 Membership Rewards points after $12,000 spend in first 6 months

Our verdict

What stands out, and where it falls short.

What we like

5x points on flights booked directly with airlines or…
Welcome bonus
No foreign transaction fees
Airport lounge access
Travel insurance included

Worth weighing

$895 USD/yr card fee

Who It Is For

Whether the The Platinum Card® from American Express fits how you actually spend.

Pick it if you are

Frequent travelers
People who want rewards on their spending
Travelers who value airport lounges

Skip it if you are

Light spenders who won't beat the $895 USD/yr fee

Rates and fees

As of June 20, 2026

All amounts shown in USD.

Card fee: $895 USD/yr
Purchase APR: 19.49% - 28.49%
Interest-free period: -
Foreign transaction fee: None
Cash Advance APR: 28.74% variable

Rewards and features

Rewards: 5x points on flights booked directly with airlines or through Amex Travel (up to $500,000/year); 5x on prepaid hotels via Amex Travel; 1x on all other purchases
Welcome offer: Up to 175,000 Membership Rewards points after $12,000 spend in first 6 months
Pay with: Apple Pay, Google Pay, Contactless, Virtual card
Pay Over Time: Eligible charges can be carried as a revolving balance; APR 19.49%–28.49% variable
Hotel Elite Status: Complimentary Marriott Bonvoy Gold, Hilton Honors Gold, and Leading Hotels of the World status
Fine Hotels + Resorts: Average $550 value per stay including daily breakfast, room upgrade, early check-in, late checkout

Benefits and perks

Extras that come bundled with the card.

Global Lounge Collection: Centurion, Priority Pass, Delta Sky Club (15 visits/yr), Escape, Airspace & more — 1,550+ lounges
Trip cancellation/interruption, baggage, and car rental coverage
Global Entry or TSA PreCheck fee credit
No foreign transaction fees
24/7 Platinum Concierge Service
Up to $600/yr hotel credit (Fine Hotels + Resorts & Hotel Collection)
Up to $200/yr airline fee credit
Up to $200/yr Uber Cash + $120/yr Uber One credit
Up to $400/yr Resy dining credit ($100/quarter)
Up to $300/yr digital entertainment credit ($25/month)
Up to $300/yr lululemon credit ($75/quarter)
Up to $209/yr CLEAR+ credit
Up to $155/yr Walmart+ credit
Up to $200/yr Oura Ring credit
Up to $300/yr Equinox fitness credit

Eligibility

What you need before you apply.

Recommended Credit: Good to Excellent (700+)

The Platinum Card® from American Express: your questions answered

How much does the The Platinum Card® from American Express cost?

The The Platinum Card® from American Express costs $895 USD/yr.

What rewards does the The Platinum Card® from American Express earn?

The The Platinum Card® from American Express earns 5x points on flights booked directly with airlines or through Amex Travel (up to $500,000/year); 5x on prepaid hotels via Amex Travel; 1x on all other purchases.

Does the The Platinum Card® from American Express charge foreign transaction fees?

No - the The Platinum Card® from American Express has no foreign transaction fees, so it suits spending abroad.

What is the interest rate on the The Platinum Card® from American Express?

The The Platinum Card® from American Express has a purchase APR of 19.49% - 28.49%.

Does the The Platinum Card® from American Express have a welcome offer?

Yes - Up to 175,000 Membership Rewards points after $12,000 spend in first 6 months.

Is the The Platinum Card® from American Express a credit, debit or prepaid card?

The The Platinum Card® from American Express is a credit card issued by American Express on the American Express network.

Does the The Platinum Card® from American Express support Apple Pay and Google Pay?

Yes - the The Platinum Card® from American Express works with both Apple Pay and Google Pay.

Where can I get the The Platinum Card® from American Express?

The The Platinum Card® from American Express is currently offered in United States.

How does DebitCue rate the The Platinum Card® from American Express?

DebitCue rates the The Platinum Card® from American Express 4.7 out of 5 (9.4/10), scored on the same factors as every card - fees, rewards, perks and ease of use.

How do I apply for the The Platinum Card® from American Express?

Use the Apply now button to continue on American Express's secure site. Comparing and applying through DebitCue is free.