Discover the benefits, rewards, and application process of The Platinum Card® from American Express. Learn how this premium card can elevate your lifestyle and travel experiences.

The Platinum Card® from American Express is more than just a credit card—it’s a passport to a premium lifestyle. Designed for frequent travelers, luxury seekers, and high spenders, this iconic metal card comes packed with travel perks, statement credits, and exclusive access.

What is The Platinum Card® from American Express?

The Platinum Card® from American Express is a premium rewards charge card designed to provide exceptional value for travelers and luxury-focused consumers. With its elegant metal design and host of benefits, it is one of the most desirable cards in the Amex lineup.

Key Benefits of The Platinum Card® from American Express

1. Unmatched Travel Perks

• Access to 1,400+ Airport Lounges: Enjoy complimentary entry to Centurion Lounges, Priority Pass™ lounges, and Delta Sky Clubs (when flying Delta).
• 5X Points on Travel: Earn 5 Membership Rewards® points per dollar spent on flights booked directly with airlines or through Amex Travel.
• $200 Airline Fee Credit: Covers incidental airline fees like baggage and seat selection.
• $189 CLEAR® Credit: Helps speed up identity verification at airports.
• $100 Global Entry or TSA PreCheck Credit: Get reimbursed for enrollment fees.

2. Lifestyle and Shopping Credits

• $240 Digital Entertainment Credit: Use toward select streaming services (Disney+, Hulu, SiriusXM, etc.).
• $200 Uber Cash: Monthly credits for U.S. Uber rides and Uber Eats.
• $100 Saks Fifth Avenue Credit: Split between two $50 credits annually.
• Walmart+ Membership Credit: Covers the cost of a monthly Walmart+ subscription.

3. Membership Rewards® Points

Earn flexible Membership Rewards® points that can be transferred to travel partners like Marriott Bonvoy, Hilton Honors, Delta SkyMiles, and more.

4. Concierge and Customer Support

Receive 24/7 concierge support for dining reservations, entertainment bookings, or travel planning. Enjoy top-tier Amex customer service for any card-related needs.

How to Apply for The Platinum Card® from American Express

You can apply directly through the American Express website. Requirements generally include:

• A strong credit profile (recommended FICO score: 700+)
• A steady income to support the card’s annual fee and spending habits

Amex often offers welcome bonuses such as 80,000–150,000 Membership Rewards® points after meeting a minimum spend—these offers vary by time and source.

Fees and Details

• Annual Fee: $695 (as of 2025)
• No Foreign Transaction Fees
• Pay Over Time: Flexibility for eligible purchases with interest

Who Should Get The Platinum Card® from American Express?

This card is ideal for:

• Frequent flyers and global travelers
• Luxury hotel guests and first-class flyers
• Users who value premium services and statement credits

If you spend regularly on travel and lifestyle categories, the benefits of the Platinum Card® from American Express can far outweigh the annual fee.

Comparing the Platinum Card to Other Premium Cards

Trusted Resources for More Information

• American Express Platinum Card
• NerdWallet’s Amex Platinum Review
• The Points Guy’s Guide to Platinum Benefits

Frequently Asked Questions – The Platinum Card® from American Express

1. What is The Platinum Card® from American Express?

The Platinum Card® from American Express is a premium charge card offering luxury travel perks, elite rewards, and lifestyle benefits for frequent travelers and high spenders.

2. How much is the annual fee for The Platinum Card® from American Express?

As of 2025, the annual fee is $695. While high, it’s offset by statement credits, rewards, and exclusive travel benefits.

3. What credit score do I need to get The Platinum Card® from American Express?

You’ll typically need a good to excellent credit score (700+) to be approved. Other factors like income and payment history also influence approval.

4. Does The Platinum Card® from American Express come with airport lounge access?

Yes. Cardholders get access to Centurion Lounges, Priority Pass™, Delta Sky Clubs, and other networks—over 1,400 lounges globally.

5. What rewards can I earn with The Platinum Card® from American Express?

You earn 5X Membership Rewards® points on flights and hotels booked through Amex Travel, and 1X on other purchases. Points can be transferred to top travel partners.

6. Are there any statement credits included with the card?

Yes! Benefits include:

• $200 Airline Fee Credit

• $240 Digital Entertainment Credit

• $200 Uber Cash

• $100 Saks Fifth Avenue Credit

• $189 CLEAR® Credit

• $100 TSA PreCheck or Global Entry Credit

7. Is The Platinum Card® from American Express made of metal?

Yes, the card is made of sleek, durable metal—one of the heaviest and most premium-feeling cards in your wallet.

8. Does the card have foreign transaction fees?

No. The Platinum Card® from American Express charges no foreign transaction fees, making it ideal for international travel.

9. Can I carry a balance with The Platinum Card® from American Express?

It’s a charge card, but eligible purchases can use the Pay Over Time feature, allowing you to pay with interest over time.

10. How do I apply for The Platinum Card® from American Express?

You can apply online at the American Express website. Watch for limited-time offers—welcome bonuses can range from 80,000 to 150,000 points!