American Express® Platinum Card: Travel at a Higher Level
Premium travel benefits, elevated rewards and valuable credits designed for frequent travelers.
Key Advantages of the American Express® Platinum Card
The Platinum Card® from American Express is designed around premium travel, rewards and lifestyle benefits. Card Members can earn 5X Membership Rewards® points on eligible flights booked directly with airlines or through American Express Travel®, on up to $500,000 in these purchases per calendar year, as well as 5X points on eligible prepaid hotels booked through American Express Travel®. The card also provides access to an extensive collection of airport lounges and multiple statement credits that can add value for travelers who use the eligible benefits. Enrollment and terms apply to many benefits.
- Earn 5X Membership Rewards® points on eligible flights and prepaid hotels
- Access to the Global Lounge Collection® with 1,550+ airport lounges
- Up to $600 per year in eligible hotel statement credits
- No foreign transaction fees
Potential Disadvantages to Consider
The Platinum Card® includes an extensive collection of premium benefits, but it also has a substantial annual fee. The current annual fee for the Basic Card is $895, so Card Members should consider whether they will actually use enough of the available travel and lifestyle benefits to justify that cost. Many statement credits also require enrollment or qualifying purchases, and some are divided into monthly, quarterly or semiannual amounts rather than being available as a single annual credit.
- $895 annual fee for the Basic Card
- Many benefits require enrollment or qualifying purchases
- Some statement credits have monthly, quarterly or semiannual limits
How to Apply for the American Express® Platinum Card
The application for the Platinum Card® can be completed online through American Express. Before applying, review the current rates, fees and benefit terms on the official card page. American Express allows applicants to find out whether they are approved before an initial decision affects their credit score. If approved, you can review the offer and decide whether to accept the Card. If you choose to accept it, information provided to the credit bureaus may affect your credit score.
- Visit the official Platinum Card® page
- Review the current annual fee, rates, benefits and terms
- Select the option to apply
- Provide the requested personal and financial information
- Submit the application and receive the decision
- If approved, review the offer before accepting the Card
The Platinum Card® from American Express is built primarily for travelers who can take advantage of its premium benefits. Eligible purchases can earn 5X Membership Rewards® points on qualifying flights and prepaid hotels, while the Global Lounge Collection® provides access to more than 1,550 airport lounges. The card also includes travel-focused benefits such as up to $600 in eligible hotel credits, up to $200 in airline fee credits and up to $219 toward an eligible CLEAR+ membership. With an $895 annual fee, however, its value depends heavily on how often you use the included benefits and statement credits. Enrollment and other terms apply to many benefits.
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