American Express Platinum Card®
American Express · AMEX
The Platinum Card® is a charge card from American Express on the American Express network. It has an annual fee of $895. It earns 5x on travel.
Key facts
- Annual fee
- $895
- Purchase APR
- 19.49% - 28.49% variable APR
- Foreign transaction fee
- None
- Network
- AMEX
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Travel | 5x | Earn 5X Points on flights booked directly with airlines or on AmexTravel.com. Cap applies. |
Benefits and perks
- $850+ in value with The Global Lounge Collection Over $850 of annual value, with access to Centurion Lounges, 10 Delta Sky Club visits when flying on an eligible Delta flight, Priority Pass membership (enrollment required), and other select partner lounges.
- Up to $600 Hotel Credit Statement credits up to $300 semi-annually on prepaid Fine Hotels + Resorts or The Hotel Collection bookings through Amex Travel. The Hotel Collection requires a minimum two-night stay.
- Up to $200 Uber Cash Add your Card to your Uber account and pay for rides or orders in the U.S. with an Amex Card to get $15 in Uber Cash monthly, plus a $20 bonus in December.
- Up to $120 Uber One Credit Statement credits per calendar year after you purchase an auto-renewing Uber One membership. Terms Apply.
- Up to $200 Airline Fee Credit Statement credits per calendar year for incidental fees charged by your one selected qualifying airline.
- Up to $219 CLEAR+ Credit Statement credits per calendar year for an auto-renewing CLEAR+ Membership, excluding taxes and fees.
- Up to $400 Resy Credit Statement credits up to $100 quarterly when you make eligible purchases at qualifying U.S. Resy restaurants. Enrollment required.
- Up to $300 Digital Entertainment Credit Statement credits earned monthly of up to $25 on eligible purchases at participating partners. Enrollment required.
- Up to $300 lululemon Credit Statement credits up to $75 quarterly for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. Enrollment required.
- Up to $155 Walmart+ Credit Statement credit for one auto-renewing monthly Walmart+ membership, up to $12.95 monthly plus applicable taxes.
- Room upgrade upon arrival when available (certain room categories are not eligible for upgrade)
- $100 credit towards eligible charges (which vary by property), guaranteed 4pm check-out and
- Enjoy space-available room upgrades to preferred rooms at select properties
- Earn reward nights faster with an 80% Bonus on all Hilton Honors Base Points you earn
Rates and fees
Annual membership fee: $895. Purchase APR: 19.49% - 28.49% variable APR, based on creditworthiness and the Prime Rate. Foreign transaction fee: None.
Rates and fees as published by the issuer and recorded on 1 Oct 2026. See the issuer's terms for current rates. View the issuer's terms
Questions about the American Express Platinum Card®
What is the annual fee on the American Express Platinum Card®?
The American Express Platinum Card® has an annual fee of $895.
What rewards does the American Express Platinum Card® earn?
The American Express Platinum Card® earns 5x on travel.
Is the American Express Platinum Card® worth it?
The American Express Platinum Card® is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
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