American Express
Amex Platinum Benefits, Credits & Annual Fee
$895 / yr · Earns Membership Rewards
The Amex Platinum is a premium travel card packed with credits, lounge access, and elite perks. It's best for frequent travelers who can maximize its many statement credits and benefits to offset the $895 annual fee.
- 5xFlights
- 5xHotels
- 2xTravel
- StatusMarriott Bonvoy Gold
- $300Fine Hotels
$3,254/yr in credits · $895 annual fee
Maintained by Creddy Editorial · Catalog checked Oct 8, 2026
Amex Platinum at a Glance: $895 Annual Fee, Issuer and Rewards
- Annual fee:
- $895 / yr
- Issuer:
- American Express
- Rewards:
- Membership Rewards
- Credits:
- 13 recurring, up to $3,254 a year
Amex Platinum Earning Rates
| Category | Rate | Notes |
|---|---|---|
| Flights | 5x | |
| Hotels | 5x | Portal bookings only |
| Travel general | 2x | Portal bookings only |
| Everything else | 1x |
Who Should Get the Amex Platinum?
The Amex Platinum fits people who spend most on flights (5x). Its $895 annual fee makes sense if the $3,254 a year in credits Creddy lists, plus what you earn, covers it with credits you would use anyway.
Is the Amex Platinum Worth the $895 Annual Fee?
The Amex Platinum costs $895 a year. Creddy lists 13 trackable credits worth up to $3,254 a year if you use every one, $2,359 more than the fee. You break even once you use about 28% of that credit value, so count only the credits you would use anyway.
Check enrollment requirements, merchant restrictions, reset timing and the issuer's current terms before applying.
Amex Platinum Welcome Bonus
Up to 175,000 Membership Rewards points
Offer history
- Sep 8Up to 175,000 Membership Rewards points
- Jun 17175,000 bonus points
- Apr 880,000 bonus points
Tracked since Oct 2024
Amex Platinum Statement Credits and When They Reset
- $300 Fine Hotels & Resorts Credit$300 / 6moTrackable
Get up to $300 back in statement credits semi-annually (up to $600/year) on prepaid Fine Hotels + Resorts or The Hotel Collection bookings. Book through American Express Travel and pay with your Platinum Card to trigger the credit. Only prepaid bookings made through Amex Travel qualify.
- $300 Digital Entertainment Credit$25 / moTrackableEnrollment required
Up to $25 back each month (up to $300 a year) on eligible subscriptions billed directly by Disney+, a Disney+ bundle, ESPN, Hulu, The New York Times, Paramount+, Peacock (stand-alone plans only), The Wall Street Journal, YouTube Premium, or YouTube TV. Enrollment is required, and purchases made through app stores do not qualify.
- $400 Resy Dining Credit$100 / qtrTrackableEnrollment required
Earn up to $100 back per quarter (up to $400 per year) as a statement credit when you pay with your Platinum Card at eligible U.S. Resy restaurants or through the Resy platform. Credits reset each quarter, so any unused portion does not roll over. Enrollment is required.
- $200 airline fee credit$200 / yrTrackableEnrollment required
Get up to $200 per calendar year in statement credits on incidental fees-like checked bags and in-flight refreshments-charged by one airline you select. Choose your qualifying airline once per calendar year through your Amex account. Only incidental fees from your selected airline qualify; airfare itself does not.
- $219 CLEAR+ Credit$219 / yrTrackable
Get up to $219 back per calendar year in statement credits toward an auto-renewing CLEAR+ membership (excluding taxes and fees). Pay for CLEAR+ with the Platinum Card to earn the credit.
Resets: Calendar yearChecked Sep 24, 2026 - $300 Lululemon Credit$75 / qtrTrackableEnrollment required
Get up to $75 back in statement credits each quarter (up to $300/year) on eligible purchases at U.S. lululemon retail stores and lululemon.com. Enrollment is required to activate the benefit. Outlet store purchases do not qualify.
- Oura Ring Credit$200 / yrTrackableEnrollment required
Get up to $200 back in statement credits per calendar year when you buy an Oura Ring at Ouraring.com with your Platinum Card. Oura Ring is a health-tracking smart ring. Enrollment is required and the credit applies only to purchases made directly on Ouraring.com.
- $120 Uber One Membership Credit$120 / yrTrackable
Get up to $120 back in statement credits per calendar year when you pay for an auto-renewing Uber One membership with your Platinum Card. The credit covers the cost of the membership subscription, which unlocks Uber discounts and perks. Only Uber One membership purchases qualify-not other Uber charges.
- Uber / Uber Eats Credit$15 / moTrackable
Get $15 in Uber Cash each month, plus a $20 bonus in December, totaling $200 per year for U.S. Uber rides and Uber Eats orders. Add your Platinum Card to your Uber account and select an Amex card at checkout to use it. Credits are only usable in the U.S. and expire at month's end.
Checked Sep 12, 2026Source - Walmart+ Monthly Membership Credit$12.95 / moTrackable
Pay for a monthly Walmart+ membership with your Platinum Card and receive up to $12.95 back per month as a statement credit, covering the full membership cost including taxes. Only the monthly plan qualifies - annual Walmart+ subscriptions are not eligible.
- $300 Equinox Credit$300 / yrTrackableEnrollment required
Get up to $300 back in statement credits per year when you pay for an Equinox+ digital subscription or an Equinox club membership with your Platinum Card. Enrollment is required to activate the benefit. Both the app-only subscription and full club memberships are eligible.
- American Express Venue Collection Concessions Rebate$250 / yrTrackableEnrollment required
Get 10% back on qualifying concessions purchases at select stadiums and arenas, up to $250 back per calendar year. Enroll your card to activate the rebate, and use your Platinum Card at participating venue concession stands. Dedicated entrances or fast lanes are also available at select venues.
- SoulCycle At-Home Bike Credit$300TrackableEnrollment required
Receive a one-time $300 statement credit when you purchase a SoulCycle at-home bike with your Platinum Card. You must have an active Equinox+ subscription before making the purchase in order to qualify. Enrollment is required.
- Global Entry / TSA PreCheck Application Fee Credit$120 / 4yrTrackable
Get a statement credit for your trusted-traveler application fee. You can get $120 for Global Entry once every 4 years, or up to $85 for a five-year TSA PreCheck membership. Pay the application fee with your Platinum Card.
Amex Platinum Travel Benefits
Travel Benefits
- Pay with Points for Flights and Hotels
Use Membership Rewards points to pay for flights and prepaid hotels. Choose Pay with Points when booking through AmexTravel.com or the Amex Travel App. This option applies to qualifying bookings made through those channels.
Checked Sep 26, 2026 - Platinum Destinations Vacations
Book Platinum Destinations Vacations through participating travel suppliers. Call the number on the back of your eligible Card to make a new booking; existing reservations and bookings made through other channels do not qualify for program benefits.
Checked Sep 27, 2026 - Lowest Hotel Rates Guarantee
Get the price difference refunded if you find a lower qualifying hotel rate online. Book through AmexTravel.com or the Amex Travel App, then submit a matching lower-rate claim. The hotel, room, dates, occupancy, rate type and cancellation policy must match; prices are compared before taxes and fees.
Checked Sep 26, 2026 - Membership Rewards Points Transfer
Transfer Membership Rewards points to participating airline and hotel loyalty programs. Link an eligible partner account and initiate a transfer through Membership Rewards. Transfer ratios and minimums vary by partner, and transferred points generally cannot be moved back.
Checked Sep 26, 2026 - The Hotel Collection Stay Benefits$100
Get a $100 on-property credit with each eligible Hotel Collection booking of at least two nights, plus late checkout, early check-in, and a room upgrade when available. Eligible charges and availability vary by property.
Checked Sep 24, 2026 - Insider Fares with Membership Rewards Points
Use Membership Rewards points to book eligible Insider Fares requiring fewer points than the standard flight redemption; eligibility and availability vary.
Checked Sep 24, 2026 - Fine Hotels & Resorts Complimentary Benefits$100 / yr
Book a Fine Hotels + Resorts property through Amex Travel and receive a curated set of perks, including daily breakfast for two, noon check-in when available, guaranteed 4 PM checkout, complimentary Wi-Fi, room upgrades when available, and a $100 on-property amenity credit.
Checked Sep 12, 2026Source - Cruise Benefits$300 / yr
Book an eligible cruise with your Platinum Card and receive a shipboard credit of $100-$300 per stateroom, plus additional amenities that vary by cruise line. Authorized users can also take advantage of this benefit.
Checked Sep 26, 2026Source - International Airline Program Low Fares
Access reduced fares on premium international cabin tickets - including Business and First Class - on more than 20 participating airlines when you book through American Express Travel. Savings can extend to travel companions, and authorized users are eligible as well.
Checked Sep 12, 2026Source
Lounge Access
- Unlimited Delta Sky Club Access and Centurion Guest Access after $75,000 SpendTrackableMin spend $75,000
Spend $75,000 or more on eligible purchases in a calendar year to unlock two rewards: unlimited Delta Sky Club visits for the remainder of the current Medallion Year and through the following Medallion Year, and complimentary access for up to two guests per visit at The Centurion Lounge (U.S. and select international locations) and Sidecar by The Centurion Lounge (U.S.). Base 10 annual Delta Sky Club visit-days without that spend are tracked separately.
- Airport Lounge Access: Centurion Lounges
Access American Express Centurion Lounges at no charge. Guests are $50 per adult or $30 per child (ages 2-17). Authorized users receive the same access. Free guest access after $75,000 in calendar-year spend is tracked as a spend goal.
Checked Sep 13, 2026Source - Sidecar by The Centurion Lounge Access
Get complimentary access to Sidecar by The Centurion Lounge as an eligible Platinum Card Member; venue entry rules and timing differ from standard Centurion Lounges.
Checked Sep 24, 2026 - Airport Lounge Access: Priority Pass LoungesEnrollment required
Gain access to thousands of Priority Pass lounges around the world at no charge, and bring up to two guests per visit for free. You must enroll first to receive your Priority Pass membership card. Note that Priority Pass restaurant credits are not included with this version.
Checked Sep 12, 2026Source - Airspace, Escape, and Plaza Premium Lounge Access
Enjoy complimentary entry to Airspace Lounges, Escape Lounges, and Plaza Premium Lounges for yourself and up to two guests per visit. Platinum authorized users on your account receive the same complimentary access.
Checked Sep 12, 2026Source - American Express Global Lounge Collection AccessEnrollment required
Access American Express Centurion Lounges at select airports worldwide when traveling on a same-day flight. Show your Platinum Card and a boarding pass at the lounge entrance. Guest policies and capacity limits may apply at some locations.
Checked Sep 12, 2026Source - Airport Lounge Access: Delta Sky ClubsTrackable
Cardholders receive 10 Delta Sky Club visit-days per Medallion Year (February 1 through January 31) when traveling on an eligible Delta flight. No spend is required for the 10 visits. Authorized Platinum users are also covered. Unlimited Sky Club access after $75,000 calendar-year spend is tracked as a separate benefit.
Resets: Calendar yearChecked Oct 1, 2026
Hotel Status
- Leaders Club Sterling Status from The Leading Hotels of the WorldEnrollment required
Get complimentary Leaders Club Sterling Status from The Leading Hotels of the World, which includes a 5% bonus on Leaders Club points earned during qualifying stays and 5 pre-arrival room upgrade requests per year. Enrollment through your Amex account is required. Upgrades are subject to availability at the time of booking.
Checked Sep 12, 2026Source - Marriott Bonvoy Gold Elite StatusEnrollment required
Enroll to get complimentary Marriott Bonvoy Gold Elite status, which includes enhanced room upgrades upon check-in when available at participating properties. Status perks apply when booking with a qualifying rate at Marriott Bonvoy hotels. Enrollment through your Amex account is required.
Checked Sep 12, 2026Source - Hilton Honors Gold StatusEnrollment required
Enroll to get complimentary Hilton Honors Gold status, which includes room upgrade requests, an 80% bonus on base points earned, and daily food and beverage credits at eligible properties. Enrollment through your Amex account is required to activate the status. Benefits apply at Hilton portfolio hotels participating in the Honors program.
Checked Sep 12, 2026Source
Rental Car
- National Car Rental Executive StatusEnrollment required
Receive complimentary National Car Rental Executive status, which allows you to select any vehicle from the Executive Aisle at no additional cost when booking a midsize car. Registration is required, and authorized users on your account can also enroll.
Checked Sep 12, 2026Source - Car Rental Loss and Damage Insurance
Covers damage to or theft of a rental car when you reserve and pay for the full rental with your Platinum Card and decline the rental company's collision damage waiver. Coverage is secondary and does not include liability. Rentals in Australia, Italy, and New Zealand are excluded.
Checked Sep 26, 2026Source - Hertz President's Circle StatusEnrollment required
Receive complimentary Hertz President's Circle status, Hertz's top loyalty tier, which includes rental discounts and a four-hour grace period on car returns. Registration is required to activate the status, and authorized users are also eligible to enroll.
Checked Sep 12, 2026Source - Avis Preferred StatusEnrollment required
Receive complimentary Avis Preferred status, which includes priority service at the counter, rental discounts, and a one-car-class upgrade for Intermediate through Full-size vehicles. Registration is required, and authorized users are also eligible to enroll.
Checked Sep 12, 2026Source
Travel Insurance
- Trip Cancellation and Interruption Insurance
Reimburses up to $10,000 in non-refundable trip costs if a covered reason forces you to cancel or cut short a round-trip. The entire round-trip must be paid with your Platinum Card to qualify. Coverage is capped at $20,000 per card per 12-month period across all claims.
Checked Sep 26, 2026Source - Emergency Medical Transportation Assistance
Get help arranging emergency medical transportation through the Premium Global Assist Hotline. Contact the hotline during a qualifying emergency; transportation may be provided at no cost only when the hotline approves and coordinates it.
Checked Sep 27, 2026Source - Trip Delay Insurance
Covers up to $500 in extra out-of-pocket expenses-like meals and lodging-when a covered round-trip is delayed more than 6 hours. The entire round-trip fare must be charged to your Platinum Card to be eligible. Limited to 2 approved claims per card per 12-month period.
Checked Sep 26, 2026Source - Baggage Insurance Plan
When you pay your full fare with your Platinum Card, you're covered for lost, damaged, or stolen luggage - up to $2,000 for checked bags and up to $3,000 combined for checked and carry-on baggage.
Checked Sep 12, 2026Source
More Amex Platinum Card Benefits
Bonus Earnings
- Platinum Destinations Vacations Extra Points
Earn one extra Membership Rewards point per dollar on Platinum Destinations Vacations bookings. You must be enrolled in Membership Rewards. Separate airfare and other charges aren't eligible.
Checked Oct 8, 2026 - 2X Points on Cruise Bookings2x points
Earn 2 Membership Rewards points per dollar on eligible cruise bookings made through American Express Travel: one regular point and one additional point. Use an enrolled U.S. Platinum Card for the booking. The extra point applies only to qualifying cruise charges.
Checked Oct 1, 2026 - 5x Points on Flights Booked Directly with Airlines or Through American Express5x points
Earn 5X Membership Rewards points on flights booked directly with airlines or through American Express Travel, on up to $500,000 on these purchases per calendar year.
Checked Sep 14, 2026Source - 5X Points on Prepaid Vacation Rentals5x points
Earn 5 Membership Rewards points per dollar on qualifying prepaid vacation rentals. Book and prepay the rental through AmexTravel.com using your Platinum Card. Rentals booked elsewhere or paid after booking do not qualify for this rate.
Checked Sep 30, 2026 - 5X Points on Prepaid Hotel Bookings via American Express Travel5x points
Earn 5X Membership Rewards points on prepaid hotels booked through American Express Travel.
Checked Sep 14, 2026Source - 2x Points on Other Eligible Travel Booked Through American Express2x points
Earn 2 Membership Rewards points per dollar on eligible travel purchases booked through American Express Travel that don't fall into the 5x categories, such as rental cars and cruises. Bookings must be made through Amex Travel to qualify for the elevated rate.
Checked Sep 30, 2026Source - 1x Points on All Other Purchases1x points
Earn 1X Membership Rewards points on all other purchases. Terms and limitations apply.
Checked Sep 14, 2026Source
Dining Benefits
- Global Dining Access by Resy
Get priority access to sought-after U.S. restaurants on Resy, including exclusive reservations, curated dining experiences, and Priority Notify for hard-to-book tables. Add your Platinum Card to your Resy profile to unlock access. Available through Resy.com or the Resy app.
Checked Sep 24, 2026 - Platinum Nights by Resy Restaurant AccessEnrollment required
Get special dining access at sought-after U.S. Resy restaurants, including exclusive reservations, premium dining experiences, and Priority Notify for hard-to-book tables. Add your Platinum Card to your Resy profile to unlock access via Resy.com or the Resy app. Access applies to participating U.S. restaurants only.
Checked Sep 12, 2026Source
Purchase Protection
- Cell Phone Protection
Covers repair or replacement of a damaged or stolen cell phone up to $800 per claim when you pay your prior month's wireless bill with your Platinum Card. A $50 deductible applies to each approved claim. Limited to 2 approved claims per 12-month period.
Checked Sep 26, 2026Source - Purchase Protection
Covers eligible new purchases against theft, accidental damage, or loss for up to 90 days from the purchase date when charged to your Platinum Card. Coverage is up to $10,000 per covered purchase. Total coverage is capped at $50,000 per calendar year.
Checked Sep 26, 2026Source - Return Protection
If a retailer refuses to accept a return within 90 days of your purchase, American Express may reimburse the item's value up to $300 per item, with a maximum of $1,000 per calendar year. Shipping and handling costs are not covered under this protection.
Checked Oct 8, 2026Source - Extended Warranty
Adds up to one extra year to an original manufacturer's warranty of five years or less on eligible purchases made with your Platinum Card. Coverage is up to the actual amount charged, with a maximum of $10,000 per item. Total coverage is capped at $50,000 per card account per calendar year.
Checked Oct 7, 2026Source
Concierge & Membership
- Concierge Service
Access 24/7 concierge assistance for travel bookings, restaurant reservations, event tickets, and other personal requests. The concierge service itself is free, though any third-party costs to fulfill your requests may be billed to your card.
Checked Sep 12, 2026Source - Premium Global Assist Hotline
Get 24/7 help coordinating medical, legal, and financial assistance while traveling more than 100 miles from home. Call Premium Global Assist Hotline for referrals or emergency support. Emergency medical transportation is provided at no cost only when the hotline approves and coordinates it.
Checked Sep 26, 2026Source - Platinum Travel Service
Get access to dedicated Platinum Travel Consultants who can build custom travel itineraries and provide tailored destination recommendations. Reach them by phone to plan complex trips, special occasions, or unique experiences. This is a planning and advisory service, not a booking credit.
Checked Sep 12, 2026Source
Entertainment
- American Express Venue Collection Entrances and Fast Lanes
Use designated Card Member entrances or fast lanes at participating American Express Venue Collection locations. Look for the marked entrance at the venue and present your American Express Card when requested. Entrances and fast lanes vary by venue and event.
Checked Sep 26, 2026 - Amex Presale and Reserved Ticket Access
Access select Amex Presale and Reserved Tickets for eligible events; ticket availability and purchase terms vary by event.
Checked Sep 24, 2026 - By Invitation Only Exclusive Events
Purchase tickets to exclusive, invitation-only events spanning sports, dining, fashion, art, and live performances through the By Invitation Only platform. These curated experiences are not available to the general public and are offered solely to eligible cardholders.
Checked Sep 12, 2026Source
Fees & Miscellaneous
- No Preset Spending Limit
Your Platinum Card has a flexible spending limit rather than a fixed preset limit. Use the Card for purchases, or check spending power in your Amex account before a large charge. This does not mean unlimited spending; purchase approval can vary.
Checked Sep 26, 2026 - Membership Rewards Gift Cards
Redeem Membership Rewards points for gift cards from more than 75 available options. Browse gift cards in your rewards account, choose one and pay with points. Point prices and available brands vary, and each gift card has its own terms.
Checked Sep 26, 2026 - No Foreign Transaction Fees
Pay no foreign transaction fees on any purchases made outside the U.S. with your Platinum Card. This applies to both in-person and online purchases billed in a foreign currency. No action is needed-the fee is simply not charged.
Checked Sep 12, 2026Source - Active Military Fee Waiver
U.S. active-duty military members may have their annual card fee waived under the Military Lending Act. Contact the number on the back of your card and request that your account be reviewed for MLA benefits to take advantage of this waiver.
Checked Sep 12, 2026Source - Amex Offers
Earn extra rewards or statement credits on qualifying purchases through Amex Offers. Browse available offers, add one to your eligible Card, then use that Card as directed. Each offer has its own merchant, spending and expiration rules.
Checked Sep 26, 2026 - Authorized User Fee - Platinum$195 / yr
Add Platinum Card authorized users to your account for $195 per person per year. Each Platinum authorized user receives the same lounge access and elite travel status benefits as the primary cardholder.
Checked Sep 12, 2026Source - Companion Platinum Card with No Annual Fee$0 / yr
Add a Companion Platinum Card with no annual fee; its benefits and lounge eligibility differ from a paid Additional Platinum Card.
Checked Sep 26, 2026 - Points for Statement Credit
Use Membership Rewards points for a statement credit. Select an eligible charge in your rewards account and redeem points toward it. Points are deducted immediately, and the credit generally appears on your statement within 48 hours.
Checked Sep 26, 2026 - Premium Events Collection
Get access to curated events - spanning sports, fashion, fine dining, art, and performances - available only to Platinum Card Members. Browse and register for events at americanexpress.com/entertainment. Events and availability change throughout the year.
Checked Sep 12, 2026Source
Amex Platinum vs Other American Express Cards
- Amex Platinum (Morgan Stanley)$895 / yr
- Amex Platinum (Schwab)$895 / yr
- Delta SkyMiles Reserve$650 / yr
- Marriott Bonvoy Brilliant$650 / yr
Related credit card guides
How to Track Credit Card Benefits Without a Spreadsheet
Build a reliable system for tracking statement credits, card perks, reset dates, and reminders without maintaining a complicated spreadsheet.
How Credit Card Statement Credits Actually Reset
Understand monthly, calendar-year, cardmember-year, and rolling statement credit resets so valuable card benefits do not go unused.
How to Calculate Credit Card Value vs. the Annual Fee
Compare the value you actually receive from a credit card with its annual fee using realistic credits, rewards, and perks.
Amex Platinum FAQs
Is the Amex Platinum Card worth the annual fee?
Compare Amex Platinum's current annual fee with rewards and benefits you would actually use. Count credits at what they save you after eligibility, enrollment and extra spending costs, then compare the result with lower-fee alternatives. Include interest and other charges if you carry a balance.
What are the benefits of the Amex Platinum Card?
American Express lists up to $600 in hotel credits per year, split into $300 semiannual allowances for eligible prepaid Fine Hotels + Resorts or The Hotel Collection bookings through Amex Travel; The Hotel Collection requires at least two nights. Other listed benefits include up to $25 monthly in digital entertainment credits and up to $100 quarterly in Resy credits, with enrollment and eligible-purchase restrictions. Checked against the U.S. Platinum page on September 26, 2026.
What is the annual fee for the Amex Platinum Card?
Creddy's catalog lists a $895 annual fee for Amex Platinum as checked on September 26, 2026. Confirm current pricing and any additional-card fees with American Express before applying or renewing.
Does the Amex Platinum Card come with a welcome bonus?
Welcome offers for Amex Platinum can change and may depend on your application or account history. Check American Express's current offer for the bonus amount, eligible spending, deadline and exclusions; a catalog entry does not guarantee an offer or your eligibility.
Who should get the Amex Platinum Card?
Amex Platinum may fit someone whose normal spending matches its eligible earning categories and who can use the benefits shown above. Compare the current fee, purchase restrictions and realistic redemption value with other cards before applying.
How does the Amex Platinum Card compare to other American Express cards?
Compare Amex Platinum with other American Express cards using annual fees, eligible earning rates and the benefits you would use. The card tables and issuer catalog help you compare conditions; headline multipliers alone do not establish the better card.