American Express Platinum

American Express · Amex · $895 annual fee

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720

Min Score

19.49–28.49%

APR Range

Foreign Fee

1.5¢

Per Point

$895

Annual Fee

Welcome Bonus

175,000 points

≈ $2,625 estimated value

After you spend $12,000 in the first 6 months. Offers are targeted and vary by applicant — the exact bonus you qualify for is shown after you apply. Amex’s once-per-lifetime rule applies.

How You Earn · points per $1

Flights

Flights booked direct with airlines or via Amex Travel

Hotels

Prepaid hotels booked through Amex Travel

Purchases

Everything else

Tap the credits you actually use to track them — your picks are saved on this device.

Value you’ll capture$0 of $2,929

Tap the perks you’d use to see how much value you’d capture.

$300^6mHotel credit (FHR & Hotel Collection)▾

Up to $300 in statement credits twice a year (January–June and July–December) on prepaid Fine Hotels + Resorts or The Hotel Collection bookings through Amex Travel. The Hotel Collection requires a 2-night minimum. This is the single largest credit on the card — it was doubled from $200 in the 2025 refresh.

$100^qResy dining credit▾

Up to $100 in statement credits each quarter at U.S. Resy restaurants and for eligible Resy purchases. Enrollment required. Unused quarterly credits do not roll over.

$25^mDigital Entertainment credit▾

Up to $25 back each month on eligible digital subscriptions — Disney+, ESPN+, Hulu, Paramount+, Peacock, YouTube Premium, YouTube TV, The New York Times and The Wall Street Journal. Enrollment required.

$75^qLululemon credit▾

Up to $75 in statement credits each quarter at U.S. Lululemon retail stores (excluding outlets) and online. Added in the 2025 refresh. Enrollment required.

$300^yrEquinox credit▾

Up to $300 a year toward an Equinox club membership or Equinox+ digital membership. Enrollment required.

$200^yrUber Cash▾

$15 in Uber Cash every month, plus a bonus $20 in December — $200 a year total — for U.S. Uber rides and Uber Eats orders. Add the card to your Uber account to receive it.

$200^yrAirline fee credit▾

Up to $200 a year in statement credits for incidental fees — checked bags, seat assignments, in-flight food — with one airline you select each year. Airfare itself does not qualify. Enrollment required.

$200^yrOura credit▾

Up to $200 a year toward Oura Ring hardware. Added in the 2025 refresh. Enrollment required.

$189^yrCLEAR Plus credit▾

Covers the full $189 annual CLEAR Plus membership, which lets you skip the ID-check line at participating airports and stadiums.

$120^yrUber One membership credit▾

Up to $120 a year in statement credits toward an auto-renewing Uber One membership. Enrollment required.

$120^4yrGlobal Entry / TSA PreCheck▾

Up to $120 for Global Entry (once every 4 years) or up to $85 for TSA PreCheck (once every 4.5 years) when you pay the application fee with the card.

21 transfer partners

Membership Rewards points move to airlines & hotels. View partners →

No foreign transaction fees. Most credits require one-time enrollment in your Amex account and are use-it-or-lose-it within their period. Values are maximum annual value assuming full usage.

Access and status that come with the card — no dollar credit to track. Tap a row for details.

1,550+Global Lounge Collection▾

Access to more than 1,550 lounges worldwide: unlimited Centurion Lounge visits (plus up to 2 guests), Priority Pass Select membership, 10 Delta Sky Club visits per year when flying Delta, plus Escape Lounges, Plaza Premium and airline partner lounges. Enrollment required for Priority Pass.

GoldHotel elite status — Hilton & Marriott▾

Complimentary Hilton Honors Gold status (space-available room upgrades, daily food & beverage credit at U.S. hotels) and Marriott Bonvoy Gold Elite status (25% bonus points, 2 p.m. late checkout, enhanced room upgrades). Also includes Leaders Club Sterling with Leading Hotels of the World. Enrollment required.

IncludedFine Hotels + Resorts benefits▾

Every Fine Hotels + Resorts booking includes daily breakfast for two, a room upgrade when available, guaranteed 4 p.m. late checkout, noon check-in when available, and a property credit of roughly $100.

Lounge access and elite status are subject to each program’s terms and can change without notice.

Insurance and coverage that come built in — no enrollment and no dollar credit to track. Tap a row for details.

IncludedTrip & travel insurance▾

Covers eligible trips paid with the card: trip cancellation & interruption (up to $10,000 per trip / $20,000 per card per 12 months), trip delay over 6 hours (up to $500 per trip, 2 claims per 12 months), baggage insurance (up to $3,000 per person for checked and carry-on bags), and premium global assist hotline. Round-trip must be booked with the card.

SecondaryAuto rental coverage▾

Secondary collision damage waiver on eligible rentals when you decline the rental company’s coverage and pay with the card. Amex also sells optional Premium Car Rental Protection for primary coverage at a flat per-rental rate.

$800Cell phone protection▾

Up to $800 per claim (max 2 claims per 12 months, $50 deductible) if your phone is stolen or damaged — as long as you pay your monthly wireless bill with the card.

$10kPurchase protection▾

New purchases covered against accidental damage or theft for 90 days, up to $10,000 per occurrence and $50,000 per year.

+1 yrExtended warranty▾

Adds up to one extra year to eligible U.S. manufacturer warranties of five years or less, up to $10,000 per item.

$300Return protection▾

If a merchant won’t take an eligible item back within 90 days of purchase, Amex may refund it — up to $300 per item and $1,000 per year.

Coverage is provided under the American Express Guide to Benefits; limits, conditions and exclusions apply.

The latest changes to this card — newest first. Verified against issuer terms.

February 2026NEW

Welcome-offer spend requirement jumps to $12,000

As of February 5, 2026, the minimum spend needed to earn the welcome bonus rose from $8,000 to $12,000 in the first 6 months. Offers remain targeted and go as high as 175,000 points.

January 2026

$895 annual fee now hitting existing cardholders

Anyone who opened the card before September 18, 2025 started paying the new $895 fee at their first renewal on or after January 2, 2026 — a $200 increase over the old $695.

September 2025

The biggest refresh in the card’s history

Amex raised the fee to $895 but doubled the hotel credit to $600 and added a $400 Resy dining credit, a $300 Digital Entertainment credit, a $300 Lululemon credit and a $200 Oura credit — pushing total advertised value past $3,500 a year.

Advertiser Disclosure: MyCreditPerks may earn a commission when you apply through a link on our site, at no cost to you. Rankings and values are based solely on reward rates, fees, and estimated value — advertiser relationships never influence results. Reward values are estimates; verify current terms with American Express before applying.

American Express Platinum

Welcome-offer spend requirement jumps to $12,000

$895 annual fee now hitting existing cardholders

The biggest refresh in the card’s history

Transfer Partners