Amex Platinum

Earn up to 175,000 Membership Rewards points after spending $12,000 in purchases within the first 6 months of card membership. Points can be redeemed for travel, transfers to airline and hotel partners, statement credits, and more. Welcome offers vary, and you may not be eligible if you've held this card before.

Earn 5X Membership Rewards points on flights booked directly with airlines or through American Express Travel. The elevated rate applies to up to $500,000 in combined flight purchases per calendar year. Flights booked through third-party sites other than Amex Travel earn the base 1X rate.

Earn 5 Membership Rewards points per dollar on prepaid hotel bookings made through American Express Travel. Only prepaid reservations booked via Amex Travel qualify — bookings made directly with the hotel do not earn the elevated rate.

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.

Earn 1 Membership Rewards point per dollar on all purchases that don't qualify for a higher earning rate. Points don't expire as long as your account is open and in good standing. Terms and limitations apply.

Earn one additional Membership Rewards point per dollar when you book an eligible vacation package through the Platinum Travel Service. This bonus point stacks on top of your standard earn rate for those purchases.

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.

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.

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.

Get up to $209 back per calendar year in statement credits toward a CLEAR+ membership, which lets you skip to the front of airport security lines. Pay for your CLEAR+ membership with your Platinum Card to earn the credit. CLEAR+ is subject to auto-renewal.

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.

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.

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.

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.

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.

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.

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.

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.

Get a statement credit for either the $120 Global Entry application fee or up to $85 for a TSA PreCheck five-year enrollment fee when paid with your Platinum Card. Both programs expedite airport security and border screening. The credit is available once every four years.

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.

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.

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.

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.

Access American Express Centurion Lounges at no charge. Guests are $50 per adult or $30 per child (ages 2–17), but cardholders who spend $75,000 in eligible purchases in a calendar year can bring up to two guests per visit for free. Authorized users receive the same access.

Receive 10 Delta Sky Club visit-days per year when traveling on an eligible Delta flight. Cardholders who spend $75,000 or more in eligible purchases in a calendar year unlock unlimited visits through the end of the following year. Authorized users also receive this benefit.

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.

Access Lufthansa Business Lounges with any confirmed ticket, or Senator Lounges with a Business Class ticket, at Munich Airport Terminal 2 and Frankfurt Airport Terminal 1 (Departure Area B). Valid only when flying Lufthansa, SWISS, or Austrian Airlines. This benefit ends October 1, 2026.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

Access 24/7 emergency medical transportation coordination through the Premium Global Assist Hotline when you're traveling more than 100 miles from home. Call 1-800-333-2639 toll-free or 1-715-343-7977 collect. Authorized users are also covered under this benefit.

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.

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.

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.

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.

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.

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.

Get 24/7 emergency assistance—including medical, legal, and financial referrals—whenever you travel more than 100 miles from home. Call the hotline and Amex will coordinate services on your behalf. Emergency medical transportation may be arranged at no cost if approved by the hotline; other third-party service costs are your responsibility.

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.

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.

Get dedicated entrances or fast lanes at select stadiums and arenas, plus 10% back on qualifying concession purchases up to $250 per calendar year. Enroll your Platinum Card to activate the concessions credit. Only one card per card member can be enrolled.

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.

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.

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.

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.

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.