The Platinum Card® from American Express

American Express American Express Platinum Pending

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28

Benefits

3

Reward Categories

5x

Max Reward

0%

APR From
Basic Information
PENDING

Program ID: platinum-card

Issuer: American Express

Card Name: The Platinum Card® from American Express

Card Type: Charge

Network: American Express

Card Tier: Platinum

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 07:29

Last Scraped: Jan 22, 2026 06:49

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 3 Categories
PENDING
Category Rate Type Description Annual Cap Status
Flights 5x Points On flights booked directly with airlines or with American Express Travel $500,000
Prepaid Hotels 5x Points On prepaid hotels booked with American Express Travel No Cap
All Other Purchases 1x Points On all other eligible purchases No Cap
Rewards Summary
PENDING

Reward Type: Membership Rewards Points

Base Rate: 1x

Bonus Rate: 5x

Categories: 5x Flights (booked direct with airlines or Amex Travel), 5x Prepaid Hotels (booked via Amex Travel)

Quarterly Rotating: No

Cap Amount: $500,000.00

Expiration Policy: Points do not expire as long as your account is active and in good standing.

Point Value: 0.02¢

Travel Portal Multiplier: 1x

Transfer Partners: Delta SkyMiles, British Airways Executive Club, Air France/KLM Flying Blue, Emirates Skywards, Singapore Airlines KrisFlyer, Hilton Honors, Marriott Bonvoy

Redemption Penalties: Excise tax offset fee (0.0006 cents per point, up to $99) applies when transferring points to U.S. airline partners.

Benefits & Protections (Detailed) 28 Total
PENDING
Card Features 1
Additional Platinum Cards
N/A

Add up to 3 Additional Platinum Cards for a fee of $195 each, granting the same benefits as the Basic Card Member.

Fees & Charges 1
No Foreign Transaction Fees
N/A

No foreign transaction fees when using the Platinum Card® on purchases abroad.

Lifestyle Access 1
Concierge Service
N/A

Assistance with restaurant reservations, event tickets, and more.

Lifestyle Credit 2
Digital Entertainment Credit
Up to $240 per calendar year ($20/month)

Get up to $20 in statement credits each month (up to $240 per year) for eligible purchases from Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, The New York Times, and SiriusXM.

Uber Cash
Up to $200 per calendar year ($15/month + $20 in Dec)

Enjoy $15 in Uber Cash for rides or eats orders in the U.S. every month, plus a bonus $20 in December, delivered through an Uber account linked to your Platinum Card®.

Purchase Protection 4
Cell Phone Protection
Up to $800 per claim, $1,600 per 12-month period (2 claims)

Coverage against damage or theft for your cell phone when you pay your monthly bill with the Platinum Card®. A $50 deductible applies. Coverage is limited to two (2) claims per 12-month period.

Extended Warranty
Up to $10,000 per item, up to $50,000 per account per calendar year

May extend the original manufacturer's warranty for up to one additional year on eligible purchases.

Purchase Protection
Up to $10,000 per occurrence, up to $50,000 per account per calendar year

Reimbursement for eligible items purchased with the Platinum Card® that are accidentally damaged, stolen, or lost within 90 days from the date of purchase.

Return Protection
Up to $300 per item, up to $1,000 per account per calendar year

If a merchant won't accept a return of an eligible item within 90 days from the date of purchase, American Express may refund the full purchase price.

Rewards 3
5X Points on Flights
Up to $500,000 on these purchases per calendar year.

Earn 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.

5X Points on Prepaid Hotels
N/A

Earn 5X Membership Rewards® points on prepaid hotels booked with American Express Travel.

1X Points on Other Purchases
N/A

Earn 1X Membership Rewards® point on all other eligible purchases.

Shopping Credit 2
Walmart+ Credit
Up to $155 per calendar year (approx. $12.95/month + tax)

Cover the cost of a Walmart+ membership (excluding Plus Ups) with a statement credit after paying the monthly fee with the Platinum Card®.

Saks Fifth Avenue Credit
Up to $100 per calendar year ($50 semi-annually)

Get up to $50 in statement credits semi-annually (up to $100 per year) for purchases made at Saks Fifth Avenue or saks.com.

Travel Access 3
Global Lounge Collection Access
More than 1,400 lounges

Complimentary access to more than 1,400 airport lounges across 140 countries, including The Centurion® Lounge, Escape Lounges – The Centurion® Studio Partner, Delta Sky Club® (when flying Delta), Priority Pass™ Select Lounges, and Plaza Premium Lounges.

Fine Hotels + Resorts Program
Average total value of $600 in perks

Enjoy an average total value of $600 in perks such as complimentary breakfast, a room upgrade when available, and a unique amenity at over 1,300 properties worldwide when you book through American Express Travel.

Car Rental Privileges
N/A

Enjoy complimentary upgrades and discounts on car rentals with Avis, Hertz, and National Car Rental.

Travel Assistance 1
Global Assist Hotline
N/A

24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and more, when traveling more than 100 miles from home.

Travel Credit 4
Airline Fee Credit
Up to $200 per calendar year

Receive up to $200 in statement credits per calendar year for incidental fees charged by one qualifying airline selected by the cardmember.

Hotel Credit
Up to $200 per calendar year

Get up to $200 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel.

CLEAR Plus Credit
Up to $189 per calendar year

Receive a statement credit for your CLEAR® Plus membership.

Global Entry or TSA PreCheck Credit
Up to $100 (Global Entry) or $85 (TSA PreCheck)

Receive a statement credit for an application fee for Global Entry ($100 every 4 years) or TSA PreCheck® ($85 every 4.5 years).

Travel Insurance 3
Trip Cancellation & Interruption Insurance
Up to $10,000 per trip, up to $20,000 per eligible account per 12-month period

Reimbursement for non-refundable travel expenses if a covered trip is canceled or interrupted for a covered reason.

Trip Delay Insurance
Up to $500 per trip, maximum 2 claims per 12-month period

Coverage for expenses if a covered trip is delayed for more than 6 hours.

Car Rental Loss & Damage Insurance
N/A

Secondary coverage for damage to or theft of a rental vehicle when you use your Platinum Card® to reserve and pay for the entire rental and decline the collision damage waiver (CDW).

Travel Status 2
Hilton Honors Gold Status
Gold Status

Enjoy complimentary Hilton Honors Gold Status.

Marriott Bonvoy Gold Elite Status
Gold Elite Status

Enjoy complimentary Marriott Bonvoy™ Gold Elite Status.

Wellness Credit 1
Equinox Credit
Up to $300 per calendar year ($25/month)

Get up to $25 in statement credits each month (up to $300 per year) when paying for an eligible Equinox membership or digital app.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Global Entry Credit: $100

TSA PreCheck Credit: $85

Hotel Status: Hilton Honors Gold, Marriott Bonvoy Gold Elite

Sign-Up Bonus
PENDING

125,000

Points/Miles

Requirement: Spend $8,000 in 180 days

Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours of the statement closing date following the spend threshold being met.

Fee Structure
PENDING
Annual Fee: $695.00
Year 1 Waived: No
Effective Annual Fee: $255.00
Authorized User Fee: $195.00
Penalty APR: 0.30%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $40.00
Returned Payment: $40.00
Balance Transfer: N/A
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 0% - 0%

Balance Transfer APR: 0%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 0 months

Intro BT APR: 0% for 0 months

Promo Financing: Plan It

Promo Duration: 12 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
740 - 850
Excellent
Supported
Application Process
Available
Available
Experian
Issuer Rules & Policies
PENDING

Rules: Welcome bonus eligibility is restricted to one per card product per lifetime. Applicants must generally possess a good to excellent credit score (typically 700+ FICO) and sufficient income. American Express also enforces an application velocity rule, limiting applicants to a maximum of 2 credit card applications within a 90-day period. This rule primarily applies to credit cards, though overall application volume can impact approval for charge cards like the Platinum.

Max Cards Per Issuer: 5

Min Spend Interval: 6 months

Shutdown Risk Triggers: Manufactured spending, rapid accumulation of high cumulative credit limits across multiple Amex products, suspicious spending patterns inconsistent with declared income or typical usage, cycling credit limits, frequent balance transfers without organic spend, or failure to meet payment obligations.

Cliff Effect Rules: The primary 'cliff effect' for the Platinum card is the 'once per lifetime' rule for its welcome bonus. This means if you have ever received a welcome bonus for the American Express Platinum Card (or a specific variant like the Business Platinum), you are generally ineligible to receive it again, regardless of how long ago you closed the account. This rule is distinct from 'family rules' that might apply to other Amex card families (e.g., different flavors of Gold cards).

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.9 / 5.0

Top Positive:
Exceptional travel benefits including extensive lounge access, valuable statement credits for various services, and premium concierge service. Strong points earning on travel.

Top Negative:
High annual fee can be difficult to justify without maximizing all benefits. Some benefits require enrollment or specific vendors, making them complex to use. Limited bonus categories outside of travel.

Approval Experience: 90.0 / 100

Recommended Alternatives
  • Chase Sapphire Reserve
  • Capital One Venture X Rewards Credit Card
  • The Amex Gold Card

Card Value Score: 88.0 / 100

Est. Annual Rewards: $1,500.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: v1.0