The Platinum Card from American Express
A flagship luxury travel card with the widest airport lounge access of any U.S. card and a deep stack of travel and lifestyle credits.
Why it ranks
- Unmatched airport lounge access
- Many statement credits
- Premium concierge & insurance
What holds it back
- Very high annual fee
- Credits require effort to use fully
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
A flagship luxury travel card with the widest airport lounge access of any U.S. card and a deep stack of travel and lifestyle credits.
The Platinum Card from American Express at a glance
| Issuer | American Express |
| Card network | Amex |
| Annual fee | $695 |
| Welcome bonus | Large Membership Rewards welcome offer |
| Rewards rate | 5x flights booked with Amex Travel or airlines, 5x prepaid hotels via Amex Travel, 1x other |
| Intro APR | None |
| Regular APR | See terms (Pay Over Time) |
| Foreign transaction fee | None |
| Credit needed | Excellent (740+) |
| Best for | Frequent flyers who maximize lounge access and travel credits |
| Airport lounge access | Yes |
Rewards & benefits
- $200 airline fee credit
- $200 hotel credit
- Uber Cash
- Global Entry/TSA credit
- Hotel elite status
Eligibility & who it suits
- Excellent credit score
- Credits and offers are best for frequent travelers
How to apply
Check current rates on American Express’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar USA cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | AEAmerican ExpressPlatinum$695/yr · US The Platinum Card from American ExpressFrequent flyers who maximize lounge access and travel credits |
$695/yr | 5x flights booked with Amex Travel or airlines, 5x prepaid hotels via Amex Trave… | Large Membership Rewards welcome offer | None | Excellent (740+) | |
| 2 | COCapital OneVenture X Rewards$395/yr · US Capital One Venture X RewardsTravelers who want premium perks at a lower fee |
$395/yr | 10x hotels & cars via Capital One Travel, 5x flights via portal, 2x everything e… | Large miles welcome offer | None | Excellent (740+) | |
| 3 | UU.S. BankAltitude Reserve Visa Infinite$400/yr · US U.S. Bank Altitude Reserve Visa InfiniteMobile-wallet users who want premium perks |
$400/yr | 3x on travel and mobile-wallet purchases, 1x other; points worth 1.5¢ toward tra… | Points after the minimum spend | None | Excellent (740+) |
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