American Express
The Platinum Card from American Express
$895 annual fee175,000 point bonus after $12,000 in 6 months
Is it worth it for you?
Run my numbersThat depends entirely on how you spend. Run your numbers and this page shows your figure instead of a guess.
What it earns
travel5×
everything else1×
Credits
$3,199of face value a year — worth only what you'd actually use.
Uber One CreditUber One membership fees$120
Airline Fee CreditIncidental airline fees with one selected qualifying airline$200
Oura Ring CreditOura Ring purchases at ouraring.com$200
Uber CashUber and Uber Eats purchases$200
CLEAR+ CreditCLEAR+ annual membership$209
Digital Entertainment CreditDisney+, ESPN, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube$300
Equinox CreditEquinox memberships or Equinox+ subscriptions$300
lululemon Creditlululemon stores, online, and app$300
Resy CreditResy restaurant reservations and dining$400
Hotel CreditFine Hotels + Resorts® and The Hotel Collection bookings through American Express Travel$600
Global Entry or TSA PreCheck CreditGlobal Entry ($120) or TSA PreCheck ($85) application fees$120
Amex Venue Collection Concessions CreditFood and beverage concessions at Amex Venue Collection stadiums and arenas$250
Benefits
Membership Rewards® ProgramEarn points on eligible purchases that can be redeemed for travel, dining, shopping, and other rewards.
5X Membership Rewards Points on Flights and HotelsEarn 5X points (1X base + 4X bonus) on eligible air tickets and prepaid hotel reservations booked through American Express Travel.
2X Membership Rewards Points on CruisesEarn 2X points on eligible cruise bookings made through American Express Travel.
2X Membership Rewards Points on American Express TravelEarn 2X points on all eligible travel purchases made through American Express Travel website or app.
Fine Hotels + Resorts® ProgramGet exclusive room upgrades, $100-300 statement credits, complimentary breakfast, and Wi-Fi at luxury hotels when booking through American Express Travel.
The Hotel CollectionAccess to premium hotel properties with exclusive benefits when booking through American Express Travel.
Delta Sky Club® AccessGet 10 complimentary visits per year to Delta Sky Club lounges (or unlimited with $75,000 annual spending).
Global Lounge Collection AccessUnlimited complimentary access to participating airport lounges worldwide through the Global Lounge Collection.
Card details last checked Mar 19, 2026. No affiliate links on this page — we're paid for verdicts, not applications.