The Platinum Card® from American Express

The Platinum Card® from American Express

on American Express's website

The Platinum Card® from American Express

American Express is a NerdWallet Partner

The Platinum Card® from American Express

The Platinum Card® from American Express

on American Express's website

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Card details

  • Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.

  • Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.

  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.

  • Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

  • $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.

  • $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.

  • New! American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.

  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one qualifying airline.

  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status available to Basic Card Member only.

  • $300 Equinox Credit: Get up to $25 back each month on select Equinox memberships. Enrollment required.

  • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.

  • $695 annual fee.

  • Terms Apply.

Rates, fees & offers

  • Annual fee

    $695

  • Rewards rate

    1x-10x

  • Bonus offer

    Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership. Terms Apply.

  • Intro APR

    N/A

  • Ongoing APR

    APR: See Pay Over Time APR

    Cash Advance APR: 25.24%, Variable

  • Foreign transaction fee

    None

Recommended credit score

Compare to other cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Annual Fee

$695

Annual Fee

$95

Annual Fee

$0 intro for the first year, then $95

Regular APR

See Pay Over Time APR

Rates & Fees

Regular APR

15.99% - 22.99% Variable APR

Regular APR

13.99% - 23.99% Variable APR

Rates & Fees

Intro APR

N/A

Intro APR

N/A

Intro APR

0% intro APR on Purchases for 12 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Paul Soucy

Rating details

4.8

Editor's overall rating

Pros and cons

Pros
  • Luxury travel perks (Uber credit, airline fee credit, lounge access, etc.)

  • High rewards rate in certain categories

  • No foreign transaction fees

Cons
  • High annual fee

  • Airline fee credit is limited

  • Low rewards rate on most spending

American Express has relaunched The Platinum Card® from American Express with a "new generation" of perks designed for those who enjoy the high-end lifestyle and aren't afraid to pay extra for it. In the case of this card, "extra" means a $695 annual fee.

The juiced-up rewards include a bigger welcome bonus and the opportunity to earn 5 points per dollar on airfare and hotel stays (see above for details). But what really sets this card apart are its luxury perks, including an annual airline incidentals credit; access to more than 1,000 lounges worldwide; reimbursement for the application fee for Global Entry or TSA PreCheck; premier concierge service; VIP access to tickets and events; and various upgrades and free services at high-end hotels.

In short, The Platinum Card® from American Express isn't designed for people looking for discounts and freebies. It doesn't give you something for nothing. It's for people who want to get more out of the experiences they're already paying for.

Like any good travel card, it doesn't charge foreign transaction fees. But keep in mind that American Express isn't as widely accepted worldwide as Visa and Mastercard. So if you take this card overseas, make sure it isn't the only one in your wallet.

See our full review for additional information.

HEAR IT FROM NERDS WHO CARRY THE CARD 

NerdWallet team members who carry The Platinum Card® from American Express say using the exclusive perks is the key to getting your money's worth: