The Platinum Card® card

The Platinum Card®

Earn up to 5x on flights and 5x on hotels. $3,184+ in statement credits per year. $895 annual fee.

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Welcome Offer
Targeted offers up to 175,000 Membership Rewards points after heavy spend may be available; public offers often include 80,000 points after you spend $8,000 in the first 6 months. Verify current terms on americanexpress.com, CardMatch, or Amex pre-qual before applying.
Annual Fee
$895
Total Credits Value
$3,184
Potential Net Value
+$2,289

Earning Rates

5x
Flights
Up to $500,000
5x
Hotels
Travel Portal Only
1x
All Other Purchases
Base earn rate

Credits

Hotel Credit (FHR/THC) credit logo

Up to $300 in statement credits semi-annually (Jan–Jun and Jul–Dec; up to $600/year) on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through Amex Travel; The Hotel Collection requires a 2-night minimum stay. Includes complimentary on-property benefits such as room upgrade at check-in (when available) and a $100 credit toward eligible charges.

Resets: Jan–Jun / Jul–Dec Valid at: Fine Hotels + Resorts or The Hotel Collection properties
$600/yr
$300 Semi-annual
Resy Credit credit logo

Up to $100 in statement credits each quarter (up to $400/year) on eligible purchases with Resy, including dining purchases at 10,000+ U.S. Resy restaurants. Enrollment required.

Resets: Quarterly Valid at: Book dining through Resy
$400/yr
$100 Quarterly
Digital Entertainment Credit credit logo

Up to $25 in statement credits each month on eligible purchases at: Disney+, Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV. Enrollment required.

Resets: 1st of each month
$300/yr
$25 Monthly
Equinox Credit credit logo

Up to $300 in statement credits per calendar year on Equinox+ digital subscription OR an Equinox club membership (subject to auto-renewal) when paid with the card. Enrollment required.

Resets: Calendar year Valid at: Equinox gym memberships or Equinox+ digital
$300/yr
$300 Annual
lululemon Credit credit logo

Up to $75 in statement credits each quarter on eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. Enrollment required.

Resets: Quarterly Valid at: lululemon stores or lululemon.com
$300/yr
$75 Quarterly
Uber Cash credit logo

$15 in Uber Cash each month, plus a bonus $20 in December (up to $200/year), to use on rides and orders in the U.S. when you select an Amex Card for the transaction. Add the Platinum Card to your Uber account to activate.

Resets: 1st of each month Valid at: Uber rides or Uber Eats (+$20 bonus in December)
$180/yr
$15 Monthly

Up to $200 in statement credits per calendar year for incidental fees (checked bags, in-flight refreshments, flight-change fees, overweight/oversize baggage fees, airport lounge day-passes, pet-kennel fees, phone reservation fees) charged by your one selected qualifying airline.

Resets: Calendar year
$200/yr
$200 Annual
Oura Ring Credit credit logo

Up to $200 in statement credits per calendar year when you use the card to purchase an Oura Ring at Ouraring.com. Enrollment required.

Resets: Calendar year Valid at: ouraring.com – ring purchase or Oura membership
$200/yr
$200 Annual
Walmart+ Credit credit logo

Up to $12.95 (plus applicable taxes) in statement credits each month after paying for a monthly Walmart+ membership (subject to auto-renewal) with the card.

Resets: 1st of each month Valid at: Walmart+ membership – auto-applied to subscription
$155/yr
$13 Monthly
Uber One Credit credit logo

Up to $120 in statement credits each calendar year after purchasing an auto-renewing Uber One membership with the card.

Resets: Calendar year Valid at: Uber One membership subscription
$120/yr
$120 Annual
TSA PreCheck/Global Entry credit logo

$120 statement credit every 4 years for Global Entry application fee, OR up to $85 for TSA PreCheck® application fee (through a TSA official enrollment provider) for a 5-year membership. Global Entry approval includes TSA PreCheck access at no additional cost.

Resets: Every 4–4.5 years Valid at: Apply at ttp.cbp.dhs.gov or TSA PreCheck enrollment centers
$120/yr
$120 Annual
CLEAR+ Credit credit logo

Up to $209 in statement credits per calendar year after signing up and paying for a CLEAR+ Membership (subject to auto-renewal) with the card.

Resets: Calendar year Valid at: CLEAR Plus airport security membership – clearme.com
$209/yr
$209 Annual
Saks Fifth Avenue Credit credit logo

Up to $50 statement credit each half (Jan–Jun and Jul–Dec) on purchases at Saks Fifth Avenue stores or saks.com when paid with the card. Enrollment required. Note: this benefit is currently valid through July 1, 2026; the H2 2026 credit covers the final eligible window before the program ends.

Resets: Jan–Jun / Jul–Dec Valid at: Saks Fifth Avenue stores or saks.com
$100/yr
$50 Semi-annual

Featured Benefits

Global Lounge Collection logo

Global Lounge Collection

Centurion Lounges (starting July 8, 2026: Centurion/Sidecar access limited to a layover of up to five hours before departure; Centurion guests must travel on the same flight as the cardmember unless guest access is unlocked with $75,000 calendar-year spend), Priority Pass Select with up to two complimentary guests (enrollment required), up to 10 Delta Sky Club visits per Medallion Year on eligible Delta flights (unlimited after $75,000 calendar-year spend), Escape Lounges, Plaza Premium, Lufthansa Lounges through September 30, 2026, and other partner lounges. Centurion and Sky Club guests are generally $50/adult unless complimentary guest access is unlocked via spend.

$850+ annual value
Hilton Honors Gold Status logo

Hilton Honors Gold Status

Complimentary Hilton Honors Gold status: 80% bonus points on stays, space-available room upgrades, and daily food and beverage credit (U.S. hotels) or continental breakfast elsewhere. Enrollment required.

Hotel status
Leaders Club Sterling Status logo

Leaders Club Sterling Status

Complimentary Sterling Status from The Leading Hotels of the World®: 5% Leaders Club points bonus on qualifying stays, 5 pre-arrival upgrades annually (subject to availability). Enrollment required.

Leaders Club Sterling status
Marriott Bonvoy Gold Elite Status logo

Marriott Bonvoy Gold Elite Status

Complimentary Marriott Bonvoy Gold Elite status: 25% bonus points on stays, enhanced room upgrades when available, and 2 p.m. late checkout where offered. Enrollment required.

Hotel status

Car Rental Privileges

Complimentary Avis Preferred Plus, Hertz Gold Plus President's Circle, and National Emerald Club Executive status after enrollment through American Express card benefits.

Avis, Hertz, and National status

Other Benefits

Membership Rewards

5x on flights & prepaid hotels (Amex Travel)

5x flights and 5x prepaid hotels on AmexTravel; flights also earn 5x when booked directly with airlines (capped at $500,000 in eligible flight purchases per calendar year, then 1x). Prepaid hotels are AmexTravel-only.

Travel

Fine Hotels + Resorts®

At 1,800+ properties, complimentary suite of benefits averaging $550+ per stay: daily breakfast for two, room upgrade upon arrival when available, $100 credit toward eligible charges, guaranteed 4 PM late checkout, noon check-in when available. Earn 5x Membership Rewards on prepaid AmexTravel stays.

Travel

The Hotel Collection

Receive a $100 credit toward eligible charges with every booking of 2+ nights through AmexTravel; 1,000+ upscale hotels worldwide.

Benefit

Platinum Travel Service

Custom itineraries and tailored recommendations from Platinum Travel Consultants.

Dining & Events

Global Dining Access by Resy

Exclusive reservations and special dining experiences when the card is added to a Resy profile.

Dining & Events

Platinum Nights by Resy

Sought-after reservations at participating top Resy restaurants on select nights.

Dining & Events

Premium Events Collection™

Curated once-in-a-lifetime experiences across sports, fashion, fine dining, art, and performances exclusively for Platinum Card Members.

Entertainment

American Express Venue Collection™

Dedicated entrances or fast lanes at select stadiums and arenas; enroll to earn 10% back on qualifying concessions, up to $250 per calendar year (one enrolled card per Card Member).

Insurance

Trip Delay Insurance (Premium)

Reimburses certain expenses when a covered round-trip is delayed more than 6 hours; up to $500 per trip, max 2 claims per Eligible Card per 12 consecutive months.

Insurance

Trip Cancellation and Interruption Insurance

Up to $10,000 per trip and up to $20,000 per Eligible Card per 12 consecutive months for prepaid, non-refundable expenses when a covered trip is canceled or interrupted.

Transportation

Car Rental Loss and Damage Insurance (secondary)

Decline the rental company's collision damage waiver and pay with the card to be covered for theft or damage to a Rental Vehicle in a Covered Territory; not available in Australia, Italy, or New Zealand.

Insurance

Cell Phone Protection

Reimburses repair or replacement of a damaged or stolen cell phone, up to $800 per claim, max 2 approved claims per 12-month period; $50 deductible per claim. Cell line must be on a wireless bill paid with the card.

Insurance

Purchase Protection

Up to $10,000 per Covered Purchase for 90 days against theft, accidental damage, or loss; up to $50,000 per Card Member account per calendar year.

Insurance

Extended Warranty Protection

Adds up to one extra year to the manufacturer's U.S. warranty on eligible warranties of 5 years or less; up to $10,000 per item and $50,000 per calendar year.

Insurance

Return Protection

May refund the purchase price (excluding shipping/handling) up to $300 per item, up to $1,000 per calendar year, on eligible purchases the seller won't take back within 90 days.

Service

Premium Global Assist® Hotline

24/7 medical, legal, and financial emergency coordination services 100+ miles from home; emergency medical transportation may be provided at no cost only if approved and coordinated by Premium Global Assist.

Card Terms

Authorized Users

Additional Platinum Card® annual fee: $195 each. No annual fee for Companion Platinum Cards.

Global

No Foreign Transaction Fees

No American Express foreign transaction fees on purchases processed outside the U.S.

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