American Express
Amex Platinum Card®
A luxury U.S. travel card from American Express offering premium airport lounge access, 5x Membership Rewards® points on flights and prepaid hotels, hotel credits, airline fee credits, and multiple travel/lifestyle benefits.
Highlights
Main benefits
- $895 annual fee
- 5x points on flights booked directly with airlines or through American Express Travel
- 5x points on prepaid hotels booked through American Express Travel
- 1x points on other purchases
- American Express Global Lounge Collection access
- Centurion Lounge access
- Priority Pass Select membership after enrollment
- 10 Delta Sky Club visits when flying eligible Delta flights
- Up to $600 Hotel Credit
- Up to $200 Airline Fee Credit
- Up to $209 CLEAR Plus Credit
- Up to $200 Uber Cash
- Up to $120 Uber One Credit
- Global Entry or TSA PreCheck® fee credit
- No foreign transaction fees
- Fine Hotels + Resorts benefits
- Marriott Bonvoy Gold Elite Status enrollment
- Hilton Honors Gold Status enrollment
- Premium travel protections may apply
Fees
Fees and charges
Joining fee
$895 annual fee
Renewal fee
$895 annual fee
Annual fee waiver
No standard annual fee waiver. This is a premium card with a $895 annual fee.
- Travel credit / annual benefits**
Up to $600 Hotel Credit on eligible prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel;
Up to $200 Airline Fee Credit for eligible incidental fees on one selected qualifying airline;
Up to $209 CLEAR Plus Credit;
Up to $200 Uber Cash for U.S. rides/orders;
Up to $120 Uber One Credit;
Global Entry or TSA PreCheck® fee credit;
Marriott Bonvoy® Gold Elite Status and Hilton Honors™ Gold Status enrollment benefits may apply;
American Express lists these major travel benefits on the official Platinum Card page.
Who can apply
Eligibility
Best suited for U.S. applicants with excellent credit and enough travel/lifestyle usage to justify the high annual fee. Approval depends on American Express underwriting, credit profile, income, debt obligations, identity verification, and other factors.
Checklist
Documents required
- Government-issued ID
- Social Security Number or ITIN, where applicable
- U.S. residential address
- Income/employment details
- Date of birth
- Contact details
Process
How to apply
1. Visit the official American Express Platinum Card page
2. Review the current welcome offer, annual fee, APR/Pay Over Time terms, credits, lounge rules, and reward terms
3. Click “Apply Now”
4. Enter personal, income, and contact details
5. Submit the application
6. If approved, accept the card offer and complete setup
Value
Reward and cashback structure
Reward rate
5x Membership Rewards® points on flights booked directly with airlines or through American Express Travel®, up to $500,000 per calendar year;
5x Membership Rewards® points on prepaid hotels booked through American Express Travel®;
1x Membership Rewards® point on other purchases;
American Express lists these earning rates and the $895 annual fee on its official Platinum Card page.
Cashback
Not primarily a cashback card. Rewards are earned as American Express Membership Rewards® points, which can be redeemed for travel, gift cards, statement credits, Pay with Points, and transfers to airline/hotel partners.
Good fit
Pros
- Excellent airport lounge access
- Strong 5x points on flights and prepaid hotels
- Valuable hotel benefits through Fine Hotels + Resorts
- Large bundle of travel and lifestyle credits
- No foreign transaction fees
- Membership Rewards points can transfer to travel partners
- Good for luxury and frequent travelers
- Hotel elite status benefits can add value
- Useful airport security credits
- Premium purchase and travel protections may apply
Watchouts
Cons
- Very high $895 annual fee
- Not ideal for casual travelers
- Many credits require enrollment or specific usage
- Best hotel rewards require booking through American Express Travel
- Only 1x points on most everyday purchases
- Delta Sky Club access has visit limits
- American Express acceptance may be lower than Visa or Mastercard in some places
- Not suitable for users who want simple cashback
- Requires excellent U.S. credit eligibility
Related
Related cards
Compare
Compare Cards
| Field | Amex Platinum Card® | Capital One Venture X Rewards Credit Card |
|---|---|---|
| Bank/provider | American Express | Capital One |
| Joining fee | $895 annual fee | $395 annual fee |
| Renewal fee | $895 annual fee | $395 annual fee |
| Best for | Luxury travel, airport lounge access, frequent flyers, hotel benefits, international travel, premium lifestyle credits, American Express Membership Rewards® points | Frequent travelers, airport lounge access, international travel, simple travel rewards, Capital One Travel bookings, users who want premium benefits with lower effective cost than many luxury travel cards |
| Reward rate |
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| Cashback |
|
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| Lounge access |
| Capital One Venture X primary cardholders get access to Capital One Lounges and 1,300+ participating lounges worldwide through Priority Pass after enrollment |
| Fuel surcharge waiver | Not applicable / No specific fuel surcharge waiver | Not applicable / No specific fuel surcharge waiver |
| Welcome benefit |
| Capital One currently lists 75,000 bonus miles for Venture X, subject to meeting the required spending terms shown during application |
| Annual fee waiver condition |
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| Eligibility |
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| Apply link | Apply Now | Apply Now |
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