Back to cards
IssuerAmerican Express
NetworkAmex
Annual fee$895/year
Foreign tx feeNone
Regular APR19.49% – 28.49%
Approval band720+ estimated

The Platinum Card® from American Express

Public card facts for browsing and comparison. Fynn estimates fit and value after it knows your profile; issuer terms and approval decisions can change.

Welcome offer
175,000 points welcome
Min score
720+
Base earn
1x

Earning rates

Flights (Amex Travel or Direct)5× · cap $500,000
Hotels (Amex Travel)5×
All other purchases1×

Current offer

175,000 after spending $10,000 in the first 6 months.

Credits

Hotel credit (Fine Hotels & Resorts / The Hotel Collection)

Up to $300 semi-annually ($600/yr) on prepaid bookings of 2+ nights through Amex Travel

$600

Airline incidental fee credit

$200/yr on incidental fees with one selected airline (bag fees, lounge passes, etc.)

$200

Resy / U.S. dining credit

Up to $400 in statement credits annually at U.S. Resy restaurants and Resy partners ($100 quarterly)

$400

Uber Cash

Up to $200/yr in Uber Cash, distributed monthly ($15/mo plus $20 in December)

$200

Equinox / fitness credit

$300/yr toward Equinox+ digital, club, or any Equinox membership

$300

CLEAR Plus credit

Up to $209/yr toward CLEAR Plus membership

$209

Saks Fifth Avenue credit

$50 semi-annual at Saks Fifth Avenue ($100 total per year)

$100

Digital entertainment credit

Up to $25/mo ($300/yr) across select digital subscriptions; enrollment required

$300

Global Entry / TSA PreCheck

Up to $120 every 4 years for Global Entry or TSA PreCheck application fee

$120

Lululemon credit

Up to $75 quarterly ($300/yr) in statement credits at U.S. Lululemon stores or lululemon.com

$300

Oura Ring credit

Up to $200 statement credit toward Oura Ring purchase or membership; enrollment required

$200

Walmart+ membership credit

Covers monthly Walmart+ membership ($12.95+tax/mo, ~$155/yr)

$155

Uber One credit

Up to $120/yr ($10/mo) toward Uber One membership; enrollment required

$120

Perks

  • American Express Centurion Lounge access
  • Marriott Bonvoy Gold Elite status
  • Hilton Honors Gold status
  • Fine Hotels & Resorts benefits
  • Trip cancellation and trip delay insurance
  • Premium rental car loss & damage insurance
  • Cell phone protection
  • Concierge service

Source and disclosures

We use issuer and application pages as the primary source where available. Terms, bonuses, APRs, credits, and eligibility rules can change without notice, so confirm current details on the issuer page before applying.