# The Platinum Card®

> Earn up to 5x on flights and 5x on hotels. $3,084+ in statement credits per year. $895 annual fee.

Canonical page: https://cardstack.money/cards/the-platinum-card
Markdown mirror for AI agents and LLMs. Full index: https://cardstack.money/llms.txt

## At a glance

- Issuer: American Express
- Network: Amex
- Annual fee: $895
- Rewards program: Membership Rewards (https://cardstack.money/programs/amex-membership-rewards.md)
- Total statement credits value: $3,084 per year
- Net value after annual fee: +$2,189 per year (credits value minus fee)
- 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.

## Earning rates

| Rate | Category | Notes |
| --- | --- | --- |
| 5x | Flights | Up to $500,000 |
| 5x | Hotels | Travel Portal Only |
| 1x | All other purchases | Base earn rate |

## Statement credits

### Hotel Credit (FHR/THC) - $600/yr ($300 semi-annual)

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
- Where to redeem: Fine Hotels + Resorts or The Hotel Collection properties
- Details: https://cardstack.money/benefits/the-platinum-card-hotel-credit.md

### Resy Credit - $400/yr ($100 quarterly)

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
- Enrollment required: yes
- Where to redeem: Book dining through Resy
- Details: https://cardstack.money/benefits/the-platinum-card-resy-credit.md

### Digital Entertainment Credit - $300/yr ($25 monthly)

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
- Enrollment required: yes
- Where to redeem: Disney+ (https://www.disneyplus.com), Hulu (https://www.hulu.com), Peacock (https://www.peacocktv.com), Paramount+ (https://www.paramountplus.com), ESPN+ (https://plus.espn.com), The New York Times (https://www.nytimes.com), The Wall Street Journal (https://www.wsj.com), YouTube Premium (https://www.youtube.com/premium), YouTube TV (https://tv.youtube.com)
- Details: https://cardstack.money/benefits/the-platinum-card-digital-entertainment-credit.md

### Equinox Credit - $300/yr ($300 annual)

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
- Enrollment required: yes
- Where to redeem: Equinox gym memberships or Equinox+ digital
- Details: https://cardstack.money/benefits/the-platinum-card-equinox-credit.md

### lululemon Credit - $300/yr ($75 quarterly)

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
- Enrollment required: yes
- Where to redeem: lululemon stores or lululemon.com
- Details: https://cardstack.money/benefits/the-platinum-card-lululemon-credit.md

### Uber Cash - $180/yr ($15 monthly)

$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
- Enrollment required: yes
- Where to redeem: Uber rides or Uber Eats (+$20 bonus in December)
- Details: https://cardstack.money/benefits/the-platinum-card-uber-cash.md

### Airline Fee Credit - $200/yr ($200 annual)

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
- Enrollment required: yes
- Where to redeem: Select airline (Amex) (https://global.americanexpress.com/card-benefits/detail/airline-fee-credit/platinum)
- Details: https://cardstack.money/benefits/the-platinum-card-airline-fee-credit.md

### Oura Ring Credit - $200/yr ($200 annual)

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
- Enrollment required: yes
- Where to redeem: ouraring.com – ring purchase or Oura membership
- Details: https://cardstack.money/benefits/the-platinum-card-oura-ring-credit.md

### Walmart+ Credit - $155/yr ($13 monthly)

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
- Where to redeem: Walmart+ membership – auto-applied to subscription
- Details: https://cardstack.money/benefits/the-platinum-card-walmart-credit.md

### Uber One Credit - $120/yr ($120 annual)

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

- Resets: Calendar year
- Where to redeem: Uber One membership subscription
- Details: https://cardstack.money/benefits/the-platinum-card-uber-one-credit.md

### TSA PreCheck/Global Entry - $120/yr ($120 every 4 years)

$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 years
- Where to redeem: Apply at ttp.cbp.dhs.gov or TSA PreCheck enrollment centers
- Details: https://cardstack.money/benefits/the-platinum-card-tsa-precheckglobal-entry.md

### CLEAR+ Credit - $209/yr ($209 annual)

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
- Where to redeem: CLEAR Plus airport security membership – clearme.com
- Details: https://cardstack.money/benefits/the-platinum-card-clear-credit.md

### Saks Fifth Avenue Credit - $0/yr ($50 semi-annual)

Previously, enrolled Platinum Card members could receive up to $50 in statement credits at Saks Fifth Avenue twice per year. This benefit ended June 30, 2026; there is no July-December 2026 credit.

- Resets: Jan–Jun / Jul–Dec
- Enrollment required: yes
- Where to redeem: Saks Fifth Avenue stores or saks.com
- Details: https://cardstack.money/benefits/the-platinum-card-saks-fifth-avenue-credit.md

## Featured benefits

- **Global Lounge Collection** ($850+ annual value): 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.
- **Hilton Honors Gold Status** (Hotel 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.
- **Leaders Club Sterling Status** (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.
- **Marriott Bonvoy Gold Elite Status** (Hotel 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.
- **Car Rental Privileges** (Avis, Hertz, and National status): Complimentary Avis Preferred Plus, Hertz Gold Plus President's Circle, and National Emerald Club Executive status after enrollment through American Express card benefits.

## Other benefits

- **Earn rule**: 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.
- **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.
- **The Hotel Collection**: Receive a $100 credit toward eligible charges with every booking of 2+ nights through AmexTravel; 1,000+ upscale hotels worldwide.
- **Platinum Travel Service**: Custom itineraries and tailored recommendations from Platinum Travel Consultants.
- **Global Dining Access by Resy**: Exclusive reservations and special dining experiences when the card is added to a Resy profile.
- **Platinum Nights by Resy**: Sought-after reservations at participating top Resy restaurants on select nights.
- **Premium Events Collection™**: Curated once-in-a-lifetime experiences across sports, fashion, fine dining, art, and performances exclusively for Platinum Card Members.
- **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).
- **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.
- **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.
- **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.
- **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.
- **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.
- **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.
- **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.
- **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.
- **Authorized Users**: Additional Platinum Card® annual fee: $195 each. No annual fee for Companion Platinum Cards.
- **No Foreign Transaction Fees**: No American Express foreign transaction fees on purchases processed outside the U.S.


---

CardStack automatically tracks the Platinum Card's $3,084 in statement credits and reminds you before each one resets, so you use every dollar you paid for. Website: https://cardstack.money - App Store: https://apps.apple.com/app/apple-store/id6759270863