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 75,000 Membership Rewards® Points after you spend $5,000 on purchases on your new Card in your first 6 months of Card Membership.

  • Earn 10x points on eligible purchases on your new Card at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership. That’s an additional 9 points on top of the 1 point you earn for these purchases.

  • 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 is available to Basic Card Member and Additional Centurion Cards only.

  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year.

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

  • Enjoy complimentary 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 through American Express Travel with an average total value of $550 with Fine Hotels & Resorts® program at over 1,100 properties . Learn More.

  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.

  • $550 annual fee.

  • Terms Apply.

Rates, fees & offers

  • Annual fee

    $550

  • Rewards rate

    1x-10x

  • Bonus offer

    Earn 75,000 Membership Rewards® Points after you spend $5,000 on purchases on your new 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

$550

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

Wondering if this card is the best match for you?

Wondering if this card is the best match for you?

Wondering if this card is the best match for you?

Just tell us some details and see which card matches your needs most.

Just tell us some details and see which card matches your needs most.

NerdWallet review

By Paul Soucy

Rating details

5

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 $550 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: