Credit and Loans

The Platinum Card® – Luxury, Access, and Rewards

Elevate your lifestyle with premium travel perks, exclusive access, and elite status benefits

Designed for those who demand more from every journey

Annual Fee: $695
Rewards Rate: 5X on flights and prepaid hotels via Amex Travel, 1X on other purchases
Welcome Offer: 80,000 points after spending $8,000 in the first 6 months
Recommended Credit Score: 720–850 (Excellent)

The Platinum Card® from American Express

Flexible Spending Power

Enjoy no preset spending limit and enhanced purchasing power based on your use and payment history.

EXPLORE $3,000+ SPENDING POWER

EXPLORE $10,000+ SPENDING POWER

EXPLORE $25,000+ SPENDING POWER

Get access to Centurion Lounge®, elite hotel status, Uber Cash, and more—plus statement credits that can exceed the annual fee.

Earn 5X points on flights and hotels. Plus, over $1,500 in potential annual value.

More Details

Apply online through American Express’s secure portal. Approval decisions are often provided in minutes.

Prefer a premium card with flexible travel redemptions? The Chase Sapphire Reserve® offers 3X points and annual travel credits.

Access 3X travel rewards and $300 travel credit annually.

Compare Alternatives

: Yes, the annual fee is $695, but it comes with over $1,500 in potential statement credits.
: Yes, cardholders have access to Centurion Lounge, Priority Pass, Delta Sky Club (with Delta ticket), and more.
: Yes, you can transfer Membership Rewards® points to over 20 airline and hotel partners.