American ExpressAmexSnapshot ·partially checked against the issuer page on 2026-10-10 (annual fee, welcome offer headline, hotel credit, Amex Travel multiplier); other figures pending verification
The Platinum Card® from American Express
Frequent luxury travelers who will utilize lounge access and multiple lifestyle statement credits.
Official Financial Terms & Fees
| Annual Fee | $895 |
| Base Earning Rate | 1x point per dollar on non-travel spend |
| Welcome Bonus Offer | Amex advertises a welcome offer of as high as 175,000 Membership Rewards points (seen on 2026-10-10). Spend threshold and timeframe were not visible to us: check Amex for the exact terms. |
| Regular APR | See Pay Over Time APR (21.24% - 29.24% Variable) |
| 0% Intro APR Window | Purchases: None Balance Transfers: None |
| Foreign Transaction Fee | None (0%) |
| Recommended Credit Score | Good to Excellent (700-850) |
| Official Bank Disclosure | Official American Express Website ↗ |
✓ Reasons to Choose The Platinum Card® from American Express
- ✓ Industry-leading Global Lounge Collection® (Centurion, Priority Pass, Delta Sky Clubs when flying Delta)
- ✓ Up to $600 per year in statement credits on prepaid hotels booked via Amex Travel ($300 semi-annually)
- ✓ 5X points on prepaid hotels and flights booked via Amex Travel
- ✓ $240 annual digital entertainment credit ($20/month for Disney+, Hulu, ESPN+, NYT, WSJ)
- ✓ $200 annual airline fee credit on your selected qualifying airline
✕ Drawbacks to Keep in Mind
- ✕ Heavy $895 annual fee
- ✕ Only 1x points on everyday spending like groceries, dining, gas, and retail
Head-to-Head Showdowns Involving The Platinum Card® from American Express
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