The Platinum Card® from American Express

The Platinum Card® from American Express

on American Express' 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' website

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Card details

  • Earn 100,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.

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

  • Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card®. And if you fly, you can receive up to $200 in statement credits per calendar year after you select a qualifying airline and incidental fees are charged by the airline to your Platinum Card®.

  • $240 Digital Entertainment Credit: Get up to $20 back each month on eligible purchases made with your Platinum Card® on one or more of the following: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times. Enrollment required.

  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax. Plus Ups are excluded.

  • American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. 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 select 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 is available to Basic Card Member only.

  • $300 Equinox Credit: Get up to $25 back each month on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card®. Enrollment required.

  • $189 CLEAR® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership. CLEAR® is available at select airports and stadiums.

  • $695 annual fee.

  • Terms Apply.

Rates, fees & offers

  • Annual fee

    $695

  • Rewards rate

    1x-5x

  • 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: 27.49%, Variable

  • Foreign transaction fee

    None

Recommended credit score

Compare to other cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Learn more
Annual fee

$695

Annual fee

$99

Annual fee

$95

Regular APR

See Pay Over Time APR

Rates & Fees

Regular APR

18.24%, 22.24% or 27.24%, Variable APR

Rates & Fees

Regular APR

17.99%-24.99% Variable APR

Intro APR

N/A

Intro APR

0% intro APR for 15 months on balance transfers made within 45 days of account opening.

Intro APR

N/A

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Paul Soucy

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Rating details

5

Editor's overall rating

Pros and cons

Pros
  • Bonus categories

  • Transfer partners

  • Luxury perks

  • Lounge membership

  • Automatic elite status

Cons
  • Has annual fee

  • Complicated rewards

  • Requires good/excellent credit

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.

To view rates and fees of The Platinum Card® from American Express, see this page.