The Platinum Card from Amex
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You may be eligible for as high as 175,000 Membership Rewards Points after spending $12,000 in eligible purchases on your new Card in your first 6 months.
The granddaddy of premium cards with Centurion Lounge access, hotel elite status, and a mountain of credits. The $895 fee stings, but if you use even half the credits, you come out ahead.
Earning Rates
At a glance
- Centurion Lounge access
- $200 airline fee credit
- $200 hotel credit
- $200 Uber Cash
Earning rates
1- 5xlodging
5x Membership Rewards points on flights booked directly with airlines or through American Express Travel (capped at $500,000 in flight purchases per calendar year, then 1x), plus 5x points on prepaid hotels booked through AmexTravel.com; 1x on everything else
Statement credits
26- $200Uber CashMonthly
$15/month in Uber Cash ($35 in December)
- $400Resy CreditQuarterly
Up to $100 in statement credits each quarter for eligible purchases at U.S. Resy-affiliated restaurants (enrollment required)
- $300lululemon CreditQuarterly
Up to $75 each quarter at U.S. lululemon retail stores (excluding outlets) or lululemon.com (enrollment required)
- $200Airline Fee CreditYearly
$200 airline incidental fee credit (select one airline)
- $600Hotel CreditTwice a year
$300 in statement credits Jan-Jun and again Jul-Dec on prepaid Fine Hotels + Resorts and The Hotel Collection bookings. $600 annual cap (raised from $200 in the Sept 2025 refresh).
- $100Saks Fifth Avenue CreditTwice a year
$50 in statement credits Jan-Jun and again Jul-Dec at Saks Fifth Avenue. Available through June 30, 2026.
- $300Digital Entertainment CreditMonthly
Up to $25/month for eligible digital entertainment subscriptions (raised from $20 in the Sept 2025 refresh).
- $155Walmart+ MembershipMonthly
Up to $12.95 statement credit each month covering a Walmart+ membership.
- $120Global Entry/TSA PreCheckYearly
Up to $120 statement credit for Global Entry, every 4 years.
- $209CLEAR Plus CreditYearly
Up to $209 CLEAR Plus membership credit
- $600Up to $600 annual hotel credit on prepaid Fine Hotels + Resorts and The Hotel Collection bookings of two nights or more through AmexTravel.com, delivered as up to $300 in statement credits every six months (introduced in the 2025 refresh, up from the previous $200 annual structure)
- $400Up to $400 annual Resy credit
Up to $400 annual Resy credit: up to $100 in statement credits each calendar quarter at U.S. Resy restaurants and on Resy purchases (new with the 2025 refresh, enrollment required)
- $300Up to $300 annual lululemon credit
Up to $300 annual lululemon credit: up to $75 in statement credits each calendar quarter at U.S. lululemon stores and on lululemon.com (new with the 2025 refresh, enrollment required)
- $300Up to $300 annual Digital Entertainment credit
Up to $300 annual Digital Entertainment credit: up to $25 in statement credits each month on eligible subscriptions including Disney+, ESPN+, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV (Paramount+, YouTube Premium, and YouTube TV added in the 2025 refresh; enrollment required)
- $300Up to $300 annual Equinox credit
Up to $300 annual Equinox credit: statement credits on an Equinox club membership or Equinox+ digital app subscription paid with the Platinum Card (enrollment required)
- $209Up to $209 annual CLEAR Plus credit
Up to $209 annual CLEAR Plus credit: statement credit covering a CLEAR Plus membership at participating U.S. airports and stadiums when paid with the Platinum Card
- $200Up to $200 annual airline incidental fee credit
Up to $200 annual airline incidental fee credit: statement credits for incidental fees (checked bags, in-flight food and drink, lounge day passes, seat selection, etc.) on one preselected qualifying airline; airline ticket purchases themselves are not eligible
- $200Up to $200 annual Uber Cash credit
Up to $200 annual Uber Cash credit: $15 in Uber Cash each month January through November and $35 in December (total $200 per calendar year) for U.S. Uber rides and Uber Eats; the Platinum Card must be the payment method in the Uber app
- $200Up to $200 annual Saks Fifth Avenue credit
Up to $200 annual Saks Fifth Avenue credit: up to $50 H1 + up to $50 H2 (enrollment required); American Express has confirmed the Saks credit is being retired effective July 1, 2026 (use the H1 2026 credit before June 30, 2026), to be replaced by new retailer offers
- $200Up to $200 annual Oura Ring credit
Up to $200 annual Oura Ring credit: statement credit toward a new Oura Ring hardware purchase made with the Platinum Card (new with the 2025 refresh)
- $155Up to $155 annual Walmart+ credit
Up to $155 annual Walmart+ credit: monthly statement credit of $12.95 plus applicable taxes covering a Walmart+ membership (free shipping, free delivery from store, fuel discounts, Paramount+ included) when paid with the Platinum Card
- $120Up to $120 annual Uber One credit
Up to $120 annual Uber One credit: statement credits toward a Uber One membership (free delivery and member discounts on Uber and Uber Eats) paid with the Platinum Card (new with the 2025 refresh, enrollment required)
- $120Up to $120 every 4 years statement credit for Global Entry application or up to $85 every 4.5 years for TSA PreCheck application (NEXUS is not currently a covered option)
- $35Priority Pass Select with access to 1,300+ lounges worldwide (enrollment required)
Priority Pass Select with access to 1,300+ lounges worldwide (enrollment required); restaurant credits and spa partners are excluded for Amex-issued memberships; up to 2 complimentary guests per visit, additional guests $35 each
- $100Fine Hotels + Resorts
Fine Hotels + Resorts: complimentary daily breakfast for two, noon check-in when available, guaranteed 4pm late checkout, complimentary Wi-Fi, room upgrade when available at check-in, and a unique on-property amenity (commonly a $100 dining or spa credit) on every paid 2+ night FHR booking through AmexTravel.com; Amex values the average amenity suite at $550 per stay across 2,300+ FHR properties
- $100The Hotel Collection
The Hotel Collection: $100 on-property credit (dining, spa, or resort use) plus a room upgrade when available on every paid 2+ night booking through AmexTravel.com (separate from the more elaborate FHR program)
Perks & memberships
8- Lounge accessAmerican Express Global Lounge Collection access spanning 1,500+ airport lounges worldwide, the broadest single-card lounge network in the U.S. market
- Lounge accessCenturion Lounge access (16 U.S. and 15 international locations across 11 international airports); cardholder may enter within 3 hours of departure (layovers exempt), guests are $50 per adult and $30 per child age 2 to 17, and Card Members who spend $75,000 in a calendar year unlock complimentary access for up to 2 guests through January 31 of the following year; effective July 8, 2026 a same-flight requirement and 5-hour layover cap apply
- Lounge accessDelta Sky Club access on same-day Delta-operated flights (basic economy excluded), capped at 10 visits per Sky Club program year (Feb 1 to Jan 31); Card Members who spend $75,000 in eligible purchases in a calendar year unlock unlimited Delta Sky Club access through the end of the following program year; guests $50 each (up to 2)
- Lounge accessEscape Lounges by The Club access in the U.S., U.K., and Australia with up to 2 complimentary guests; Plaza Premium and other Global Lounge Collection partners similarly include up to 2 complimentary guests at most locations; Lufthansa Business and Senator lounge access ends October 1, 2026 per Amex announcement
- Elite statusThe Leading Hotels of the World Leaders Club Sterling status complimentary with the Platinum Card (enrollment required; up to 5 pre-arrival room upgrades annually, 5% points bonus on qualifying paid stays, and Sterling welcome amenities)
- Lounge accessInternational Airline Program: discounted business and first class fares on 20+ partner airlines (Cathay Pacific, Etihad, Qantas, ANA, Singapore Airlines and others) when booked through American Express Travel's premium consultation team (available only to Platinum and Centurion Card Members), plus Cruise Privileges Program perks (on-board credits, complimentary upgrades when available, and special amenities) on prepaid cruise fares booked through Amex Travel with Cunard, Crystal, Holland America, Norwegian, Oceania, Princess, Regent, Seabourn, Silversea, Viking, Windstar and other participating lines
- Lounge accessNo foreign transaction fees; Platinum Concierge available 24/7 by phone, email, or chat for travel planning, restaurant reservations, and event tickets; By Invitation Only delivers ticketed access to red-carpet premieres, private chef dinners, sports events, and festivals curated for Platinum and Centurion Card Members
- Lounge accessAuthorized users (Additional Platinum Cards) are $195 each per year and each receives the full Platinum benefit suite including Centurion Lounge access, Priority Pass, Fine Hotels + Resorts perks, Hilton Gold, and Marriott Gold; Companion Gold Cards available at no annual fee
Travel & purchase protections
9- Trip cancellation and trip interruption insurance up to $10,000 per trip and up to $20,000 per Card Account per consecutive 12-month period for prepaid, non-refundable common carrier travel charged to the card and canceled or cut short due to covered reasons
- Trip delay insurance up to $500 per covered trip for delays of more than 6 hours, capped at 2 covered trips per Card Account in any consecutive 12-month period (round trip must be charged to the Platinum Card)
- Baggage insurance up to $2,000 per covered person for checked baggage and up to $3,000 per person per trip for carry-on, plus High-Risk Items coverage up to $1,000 per person per trip ($2,000 for New York residents), with a $3,000 combined per-person cap and a $10,000 per-trip overall cap (the full common carrier ticket must be on the Platinum Card)
- Premium Car Rental Protection (opt-in): a flat $12.25 to $24.95 per rental period charged to the Platinum Card provides primary coverage up to $100,000 in damage or theft with a 42-consecutive-day maximum rental; the default no-cost Car Rental Loss and Damage Insurance is secondary to other insurance
- Cell phone protection up to $800 per claim with a $50 deductible, up to 2 approved claims per Card Account per 12-month period, covering damage or theft (lost phones and cosmetic damage excluded); the monthly wireless bill must be paid with the Platinum Card and coverage begins the first day of the calendar month after the first eligible payment
- Purchase protection up to $10,000 per occurrence and up to $50,000 per Card Account per calendar year against accidental damage, theft, or loss for eligible items purchased with the Platinum Card within the first 90 days from the date of purchase
- Extended warranty: extends eligible U.S. manufacturer warranties of 5 years or less by up to one additional year, capped at $10,000 per item and $50,000 per Card Account per calendar year
- Return protection: if a U.S. merchant won't accept a return within 90 days of purchase, Amex refunds the purchase price up to $300 per item, less shipping and handling, capped at $1,000 per Card Account per calendar year (still listed as a Platinum benefit at the time of the 2025 refresh)
- Premium Global Assist Hotline: 24/7 medical, legal, financial, and translation referrals plus medical transportation coordination when traveling 100+ miles from home (cardholder pays third-party costs; coordination is free)
How we verified this card (9 sources)ShowHide
- americanexpress.com
- thepointsguy.com
- upgradedpoints.com
- upgradedpoints.com
- upgradedpoints.com
- nerdwallet.com
- thepointsguy.com
- thepointsguy.com
- global.americanexpress.com
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Transfer Partners
Full guide →Amex Membership Rewards points transfer to these loyalty programs:
How to Earn the Bonus
Spend $12,000 in the first 6 months to earn the 175,000 points bonus.
Ready to Apply?
Earn 175,000 points
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