American Express Platinum Card
| Annual fee | $895 Fact |
| Foreign transaction fee | None |
| Rewards currency | Membership Rewards points |
| Est. point value | 2.00¢ Estimate |
Last updated Sep 6, 2026
Checked Sep 6, 2026
Before you apply
General American Express policies as commonly reported by applicants, not a prediction about your application.
📈 Sign-up bonus history
5-year best: 175,000 pointsView as a table
| Period | Bonus | Spend requirement |
|---|---|---|
| Sep 2021 to Jan 2023 · 16 mo | 100,000 points | $6,000 |
| Jan 2023 to Jul 2025 · 2.5 yr | 80,000 points | $6,000 |
| Jul 2025 to now · 14 mo | 175,000 points Best | $8,000 |
Historical levels reconstructed from periodic snapshots of public offer pages; short-lived offers between samples may be missing. Elevated or targeted offers are not shown.
How you earn
| Category | Rate | Currency | Cap |
|---|---|---|---|
| Travel | 5x | Membership Rewards points | $500,000/yr |
| Everything else | 1x | Membership Rewards points | No cap |
Your elite status
Recurring credits
Estimated value| Get up to $300 back in statement credits semi-annually on prepaid Fine Hotels + Resorts or The Hotel Collection bookings through American Express Travel. | $600/yr (Semiannual) |
| Get up to $100 in statement credits each quarter for eligible purchases with Resy, including dining at over 10,000 qualifying U.S. Resy restaurants. | $400/yr (Quarterly) |
| Get up to $300 in statement credits each year at Equinox for an Equinox+ digital subscription or an Equinox club membership subject to auto-renewal. | $300/yr (Calendar Year) |
| Receive up to $75 in statement credits each quarter for eligible purchases at U.S. lululemon retail stores and lululemon.com. | $300/yr (Quarterly) |
| Get up to $25 in statement credits each month for eligible purchases with participating digital entertainment partners like Disney+, Hulu, NYT, etc. | $300/yr (Monthly) |
| Enhanced experience at select stadiums/arenas with dedicated entrances/fast lanes; 10% back on qualifying concessions purchases up to $250 per calendar year after enrollment. | $250/yr (Calendar Year) |
| Receive up to $219 in statement credits per calendar year after signing up and paying for a CLEAR+ Membership. | $219/yr (Calendar Year) |
| Receive up to $200 in statement credits when you use the Platinum Card to purchase an Oura Ring at Ouraring.com each calendar year. | $200/yr (Calendar Year) |
| Earn up to $200 per calendar year in statement credits after incidental fees, such as checked bags and in-flight refreshments, are charged by your one selected qualifying airline to your Card. | $200/yr (Calendar Year) |
| Receive $15 in Uber Cash each month, plus a bonus $20 in December, to use on Uber rides and orders in the U.S. when you select an Amex Card for the transaction. | $200/yr (Monthly) |
| Get up to a $12.95 statement credit back each month after paying for a monthly Walmart+ membership. | $155/yr (Monthly) |
| Get up to $120 in statement credits each calendar year after purchasing an auto-renewing Uber One membership with the Card. | $120/yr (Calendar Year) |
| $100 credit towards eligible charges with every booking of two nights or more through The Hotel Collection via AmexTravel.com. | $100/yr (one-time/annual) |
| Statement credit every 4 years for Global Entry application fee ($120) or up to $85 for TSA PreCheck application fee. | $30/yr (one-time/annual) |
Credit value depends on whether you use each credit; treat these as potential value.
Benefits & protections
Card factsOver $850 of annual value with access to Centurion Lounges, 10 complimentary Delta Sky Club visits when flying on an eligible Delta flight, Priority Pass Select membership, and other select partner lounges.
With over 1,800 properties worldwide, booking Fine Hotels + Resorts through AmexTravel.com provides a suite of benefits with average total value of $550, including guaranteed 4pm checkout.
Complimentary premium status for select car rental programs including Avis, Hertz, and National; enrollment through Amex account required.
Complimentary Hilton Honors Gold status offering room upgrades, 80% bonus points, daily food & beverage credit, 5th night free on points bookings, milestone bonuses, and more.
Complimentary Marriott Bonvoy Gold Elite status providing upgrades to enhanced rooms upon check-in when available at participating hotels.
Complimentary Leaders Club Sterling Status from The Leading Hotels of the World, including a 5% Leaders Club points bonus on qualifying stays and 5 pre-arrival upgrades annually (subject to availability). Enrollment required.
24/7 emergency assistance and coordination services including medical, legal, and financial referrals when traveling more than 100 miles from home.
Platinum Travel Consultants provide custom itineraries and tailored recommendations for travel planning.
Access to Amex Presale Tickets and Amex Reserved Tickets to select events across sports, music, and more, with additional perks at select events.
Curated event experiences from sporting, fashion, fine dining, art, and performances exclusively for Platinum Card Members.
Access to sought after reservations at participating top Resy restaurants on select nights.
Special access to sought-after U.S. Resy restaurants when you add your Platinum Card to your Resy profile, including exclusive reservations and Priority Notify.
Adds up to one extra year to the original manufacturer's warranty for warranties of 5 years or less, up to $10,000 per item and $50,000 per calendar year.
Protection for eligible purchases against theft, damage, or loss for up to 90 days, up to $10,000 per purchase and $50,000 per calendar year.
Reimbursed for costs to repair or replace damaged or stolen cell phone, up to $800 per claim, limit 2 approved claims per 12-month period, $50 deductible per claim, when wireless bill is paid with Eligible Card.
May return eligible purchases to American Express if the seller won't take them back, up to 90 days from purchase, up to $300 per item and $1,000 per calendar year.
Reimburses non-refundable expenses up to $10,000 per trip and up to $20,000 per Eligible Card per 12 consecutive month period if a covered reason cancels or interrupts your trip.
Reimburses certain additional expenses up to $500 per trip, maximum 2 claims per Eligible Card per 12 consecutive month period, if a covered reason delays your trip more than 6 hours.
Coverage for damage to or theft of a rental vehicle when you use your Eligible Card to reserve and pay for the entire rental and decline the CDW. Secondary coverage, does not include liability coverage.
Send money and split purchases with Venmo and PayPal users via the American Express App, without standard fees, earning rewards on the full purchase.
Browse and add Amex Offers to eligible Card to earn extra rewards on qualifying purchases at select brands.
Transfer partners
Alliance reach: Oneworld, SkyTeam, Star Alliance. Points transferred to a member can often be redeemed across the alliance.
News on this card
-
Article Sep 6, 2026The Five Slots in Your Wallet, and What They Cost
Every card you open spends one of about five application slots in two years. Store cards and 0% APR cards take them quietly. What that really costs.