Platinum Card from American Express
The Platinum Card from American Express has an $895 annual fee and earns Membership Rewards points, including 5X on flights booked directly with airlines or through American Express Travel and on prepaid hotels booked through American Express Travel 2. Its defining features are airport lounge access through The Centurion Lounge, Priority Pass and Delta Sky Club, and a long list of statement credits, many of which require enrollment 2.
Compiled from official sources Checked against American Express’s terms Last reviewed How we research
Contents12 sections
At a glance
| Annual fee | $8952 |
|---|---|
| Foreign transaction fee | None2 |
| Rewards | Earns 5X Membership Rewards points on flights booked directly with airlines or through American Express Travel (up to $500,000 per calendar year) and on prepaid hotels booked through American Express Travel, 2X on eligible cruise bookings through American Express Travel, and 1X on other eligible purchases. |
| Rewards program | American Express Membership Rewards |
| Network | American Express |
| Authorized users | $195 $195 for each Additional Platinum Card; no annual fee for Companion Platinum Cards2 |
| Issuer | American Express · Official card page |
What to know about the Platinum
The 5X rate on flights applies to up to $500,000 in those charges per calendar year, and charter flights and flights sold as part of tours or packages are excluded 2. Cruises booked through American Express Travel earn 2X, but payments made directly to a cruise line do not qualify; other eligible purchases earn 1X 2.
The hotel credit pays up to $300 in each half of the year on prepaid Fine Hotels + Resorts or The Hotel Collection bookings, the Resy credit up to $100 per quarter, the lululemon credit up to $75 per quarter and the digital entertainment credit up to $25 per month 2. The airline fee, Resy, lululemon, digital entertainment, Equinox and Oura Ring credits require enrollment, and the airline credit covers incidental fees from one selected airline only 2. Uber Cash arrives as $15 a month plus $20 in December, and unused monthly Uber Cash does not carry over 2. The Walmart+ credit covers one monthly membership fee of up to $12.95 plus taxes each month, while annual Walmart+ memberships do not qualify 2.
Delta Sky Club access is limited to 10 Visits per card each year on same-day Delta flights, and Centurion Lounge guests cost $50 each unless the account spends $75,000 in a calendar year 2. The terms state that Lufthansa lounge access ran through September 30, 2026 and ended on October 1, 2026 2.
American Express's guides list secondary car rental coverage of up to $75,000 per rental agreement and trip delay coverage of up to $500 per trip once a delay passes 6 hours 48. Cell phone protection pays up to $800 per claim after a $50 deductible, and it applies only when the monthly phone bill is charged to the card 12.
Earning rewards
| Rate | On |
|---|---|
| 5x points per $1 | Air tickets on scheduled flights booked directly with passenger airlines or through American Express TravelLimit: $500,000 in charges per calendar yearCharter flights, private jet flights and flights that are part of tours, cruises or travel packages are excluded2 |
| 5x points per $1 | Prepaid hotel reservations booked through American Express Travel, and prepaid vacation rental reservations booked through AmexTravel.comHotel group reservations or events, property fees and similar fees are excluded2 |
| 2x points per $1 | Eligible cruise bookings through American Express TravelCruise bookings charged through AmexTravel.com or by calling the number on the back of the Card; charges made directly with a cruise line do not qualify2 |
| 1x points per $1 | Other eligible purchases2 |
Membership Rewards point value varies by how points are used; transfers of points to a U.S. airline's frequent flyer program carry a fee of $0.0006 per point (maximum $99).2
Travel insurance and assistance
| Rental car coverage | Car Rental Loss and Damage Insurance: up to $75,000 per rental agreement for damage to or theft of a rental vehicle, rentals up to 30 consecutive days; secondary coverage. Also includes accidental death or dismemberment (up to $200,000 for the Card Member), accidental injury and car rental personal property coverage when the rental company's equivalent options are declined. Underwritten by AMEX Assurance Company.432 |
|---|---|
| Trip cancellation and interruption | Trip Cancellation and Interruption Insurance: up to $10,000 per covered trip and $20,000 per eligible card per 12 consecutive months (each for cancellation and for interruption); secondary coverage provided by New Hampshire Insurance Company, an AIG Company.652 |
| Trip delay | Trip Delay Insurance: reimburses reasonable additional expenses when a covered trip is delayed more than 6 hours, up to $500 per covered trip, 2 claims per eligible card per 12 consecutive months; secondary coverage provided by New Hampshire Insurance Company, an AIG Company.872 |
| Lost or damaged luggage | Baggage Insurance Plan: up to $2,000 per covered person for checked baggage and up to $3,000 for carry-on baggage, $1,000 maximum for high-risk items, $3,000 maximum per covered person per trip (New York residents: $2,000 per bag, $10,000 aggregate); secondary coverage underwritten by AMEX Assurance Company.1092 |
| Emergency evacuation and medical | Premium Global Assist Hotline may provide emergency medical transportation assistance at no cost, but only if approved and coordinated by Premium Global Assist Hotline. No dollar limit is stated.219 |
| Travel and emergency assistance | Premium Global Assist Hotline: 24/7 coordination and assistance (lost passport, translation, missing luggage, emergency legal and medical referrals) when traveling more than 100 miles from home; services are free but Card Members may be responsible for third-party costs.19221 |
Purchase and phone protection
| Cell phone protection | Cell Phone Protection: up to $800 per claim for a stolen or damaged eligible phone (including cracked screen), $50 deductible per claim, 2 claims per eligible card account per 12 months; excess coverage provided by New Hampshire Insurance Company, an AIG Company.12112 |
|---|---|
| Purchase protection | Purchase Protection: covers damage, loss or theft of covered purchases for up to 90 days from purchase, up to $10,000 per covered purchase and $50,000 per eligible card per calendar year ($500 per covered event for natural disasters). Underwritten by AMEX Assurance Company.14132 |
| Extended warranty | Extended Warranty: extends original manufacturer's warranties of 5 years or less by up to 1 additional year, up to $10,000 per covered purchase and $50,000 per eligible card per calendar year. Underwritten by AMEX Assurance Company.16152 |
| Return protection | Return Protection: if a merchant won't take back an eligible item within 90 days of purchase, American Express may refund up to $300 per item and up to $1,000 per Card Member account per calendar year.18172 |
Travel perks
| Airport lounge access | The Centurion Lounge and Sidecar by The Centurion Lounge: unlimited complimentary access for U.S. Platinum Card Members (arrive within 3 hours of departure for The Centurion Lounge, within 90 minutes for Sidecar); guests cost $50 each ($30 for children 2-17) per location unless the account has spent $75,000+ on eligible purchases in a calendar year, which unlocks complimentary access for up to 2 guests per visit at U.S. and select international Centurion Lounge locations and U.S. Sidecar locations.2 |
|---|---|
| Airport lounge access | Priority Pass: membership with enrollment required; complimentary access for the Card Member and up to two accompanying guests at Priority Pass lounges that admit guests, with additional guests charged the Priority Pass Standard guest fee.2 |
| Airport lounge access | Delta Sky Club: 10 Visits per eligible Platinum Card each year (issued at account opening and then each February 1, expiring January 31) when flying a same-day Delta-operated flight; unlimited Visits after $75,000 in eligible purchases in a calendar year. Basic Economy tickets not eligible. Guests (up to two, or immediate family) cost $50 per person per Visit.2 |
| Airport lounge access | Other Global Lounge Collection partners: complimentary access to Escape Lounges (including Escape Lounge - the Centurion Studio Partner locations) and to any global location of Plaza Premium Lounges, each with up to two complimentary guests per visit, plus unlimited complimentary access to participating Additional Global Lounge Collection Partner Lounges (guest access set by each lounge).2 |
| Global Entry or TSA PreCheck credit | Statement credit every 4 years for either the Global Entry application fee ($120) or the TSA PreCheck application fee (up to $85, through a TSA official enrollment provider). NEXUS, SENTRI, FAST and Privium are not eligible.2 |
| Hotel benefits program | Fine Hotels + Resorts: bookings through American Express Travel include daily breakfast for two, a $100 credit toward eligible charges, guaranteed 4pm checkout, 12pm check-in when available, a room upgrade upon arrival when available and complimentary Wi-Fi.2 |
| Hotel benefits program | The Hotel Collection: bookings of two consecutive nights or more through American Express Travel include a $100 credit toward eligible charges, 4pm late check-out, 12pm check-in and a room upgrade (all when available except the credit).2 |
Account features
| Free credit score | FICO Score and Experian credit report through American Express MyCredit Guide, free for Card Members.20 |
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Statement credits
| Hotel Credit (Fine Hotels + Resorts / The Hotel Collection) | $600 up to $300 semi-annually (January-June, July-December), $600 per calendar year. For eligible prepaid Fine Hotels + Resorts and The Hotel Collection bookings made through American Express Travel; The Hotel Collection requires a minimum two-night stay2 |
|---|---|
| Uber Cash | $200 $15 each month plus an additional $20 in December. Add the Platinum Card to an Uber account; usable on U.S. rides and orders when an Amex Card is selected; unused monthly Uber Cash does not carry over2 |
| Uber One Credit | $120 per calendar year. Statement credits on Uber One membership fees (monthly or annual) charged to the Card; the Platinum Card must be the Uber One payment method with Uber Cash toggled off for membership fees; free trials and portions paid with Uber Cash or discounts are not credited2 |
| Airline Fee Credit | $200 per calendar year. Enrollment required; incidental fees charged by one selected qualifying airline (Alaska, American, Delta, JetBlue, Southwest, United; subject to change)2 |
| CLEAR+ Credit | $219 per calendar year. For an annual CLEAR+ Membership paid with the Card (subject to auto-renewal)2 |
| Digital Entertainment Credit | $300 up to $25 each month. Enrollment required; eligible purchases directly with participating partners including Disney+, ESPN, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal and YouTube2 |
| Resy Credit | $400 up to $100 each quarter. Enrollment required; eligible purchases at qualifying U.S. Resy restaurants and other food and beverage establishments, on Resy.com, in the Resy app and via Resy Pay; effective September 15, 2026, also purchases made directly on exploretock.com and the Tock app for U.S. establishments2 |
| lululemon Credit | $300 up to $75 each quarter. Enrollment required; purchases directly with lululemon at U.S. stores, lululemon.com or the lululemon app; excludes lululemon Studio, Like New, outlet, warehouse, event, showroom and wholesale transactions, gift cards and purchases shipped outside the U.S.2 |
| Equinox Credit | $300 per calendar year. Enrollment required; eligible U.S. Equinox memberships or a stand-alone Equinox+ subscription2 |
| Oura Ring Credit | $200 per calendar year. Enrollment required; Oura Ring purchases online at U.S. website ouraring.com; excludes Oura membership purchases, other hardware (e.g. chargers, add-ons), extended warranties, gift cards, third-party retailers, and purchases shipped outside the U.S.2 |
| Walmart+ Monthly Membership Credit | $12.95 each month (one monthly membership fee per Card Account per month). Up to $12.95 plus applicable taxes for one Walmart+ monthly membership fee per Card Account per month, paid with the Card; annual Walmart+ memberships do not qualify; Plus Ups and Walmart Business+ excluded. The product page headlines this benefit as a '$155 Walmart+ Credit'.21 |
| SoulCycle At-Home Bike Credit | $300 per bike purchase, up to 15 bikes per calendar year. Single purchase of a SoulCycle At-Home Bike at equinoxplus.com/bike; a 12-month Equinox+ membership is required2 |
Other perks
| Hilton Honors Gold status | Complimentary Hilton Honors Gold status; enrollment required2 |
|---|---|
| Marriott Bonvoy Gold Elite status | Complimentary Marriott Bonvoy Gold Elite status; enrollment required2 |
| Leaders Club Sterling Status from The Leading Hotels of the World | Enrollment required2 |
| Car rental privileges (Avis, Hertz, National) | Complimentary status with select car rental companies; enrollment in each program and payment with the Platinum Card required2 |
| Cruise Privileges Program | On-board credit of $100 to $300 per stateroom plus an on-board amenity on participating cruise lines; Basic Card Members who are U.S. residents only2 |
| Global Dining Access by Resy and Platinum Nights by Resy | Access to sought-after reservations at U.S. Resy restaurants when the Card is added to a Resy profile1 |
| Membership Rewards point transfers to airline frequent flyer programs | Enrollment in the participating frequent flyer program required; U.S. airline transfers carry an excise-tax offset fee2 |
| No Preset Spending Limit with Pay Over Time | Charge-style card: spending limit is flexible; eligible charges can be carried with interest via the Pay Over Time feature up to the Pay Over Time Limit1 |
Not listed for this card
The American Express pages and benefit terms we checked for the Platinum do not list these benefits:
Some benefits come from the card network rather than the bank and are not always advertised. Your own Guide to Benefits, or the number on the back of the card, is the final word on what your account covers.
Sources
- 1 American Express, Platinum Card product page Checked Oct 10, 2026 · Back to text ↑
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- 6 American Express, Guide to Benefits - Trip Cancellation and Interruption Insurance Checked Oct 10, 2026 · Back to text ↑
- 7 American Express, Trip Delay Insurance - eligible cards and guides Checked Oct 10, 2026 · Back to text ↑
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- 9 American Express, Baggage Insurance Plan - eligible cards and policies Checked Oct 10, 2026 · Back to text ↑
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- 11 American Express, Cell Phone Protection - eligible cards and guides Checked Oct 10, 2026 · Back to text ↑
- 12 American Express, Guide to Benefits - Cell Phone Protection Checked Oct 10, 2026 · Back to text ↑
- 13 American Express, Purchase Protection - eligible cards and guides Checked Oct 10, 2026 · Back to text ↑
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- 15 American Express, Extended Warranty - eligible cards and guides Checked Oct 10, 2026 · Back to text ↑
- 16 American Express, Extended Warranty Benefit Guide 314-399 Checked Oct 10, 2026 · Back to text ↑
- 17 American Express, Return Protection - eligible cards and policies Checked Oct 10, 2026 · Back to text ↑
- 18 American Express, Return Protection Program Description Checked Oct 10, 2026 · Back to text ↑
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- 21 American Express, Global Assist Hotline - eligible cards and benefit guides Checked Oct 10, 2026 · Back to text ↑
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