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American Express · Credit cards

The Platinum Card from American Express

The ultimate luxury travel lifestyle card with comprehensive Centurion Lounge access and over $1,500 in annual credits.

$695/yrAnnual fee

Not financial advice. Annual fees, APRs, bonuses and credits change. Confirm current terms with the issuer before you apply.

Compare with another product →Explore the specs
Annual fee
$695
Rewards rate
5X flights booked directly with airlines or via AmexTravel (up to $500k/yr), 5X prepaid hotels, 1X other

A closer look.

Reasons to choose it

  • Unrivaled Global Lounge Collection (Centurion Lounges, Delta Sky Clubs, Priority Pass)
  • 5X Membership Rewards points on flights booked directly with airlines or Amex Travel
  • Over $1,500 in annual statement credits (Hotel, Airline fee, Digital entertainment, Uber Cash, Saks)

Worth considering

  • Steep $695 annual fee
  • Only 1X points on everyday non-travel purchases

Put it next to your other option.

15 published comparisons feature this product.

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The Platinum Card from American Express

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Blue Cash Preferred Card from American Express

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The Platinum Card from American Express

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Full specifications

Fees & Rates

Annual fee
$695
Regular APR
Pay Over Time APR: 21.24% – 29.24% Variable
Foreign transaction fee
None (0%)
Late fee
Up to $40

Rewards & Perks

Rewards rate
5X flights booked directly with airlines or via AmexTravel (up to $500k/yr), 5X prepaid hotels, 1X other
Sign-up bonus
80,000 Membership Rewards points after $8,000 spend in first 6 months
Intro APR offer
None (Pay Over Time feature optional)
Lounge access
Yes (Centurion Lounges, Priority Pass Select, Delta Sky Club, Escape Lounges, Plaza Premium)

Card Details

Credit neededOur summary
Good to Excellent (700–850)
Network
American Express
Card figures are from issuer materials and go stale. Credit-needed bands are our summary.Official The Platinum Card from American Express terms (opens in a new tab)

Catalog snapshot: September 1, 2026. Published specifications, not independent lab tests.

View the official source ↗

Credit-card figures are from issuer materials and go stale. This is not an offer to lend, not financial advice, and not a recommendation to apply. Verify every fee, APR, bonus and credit on the issuer's site.

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Also worth a look.

A few common questions.

How much does The Platinum Card from American Express cost?

The Platinum Card from American Express has an annual fee of $695/yr (catalog snapshot as of 2026-09-01). This is based on published issuer terms and is not a live financial offer.

What are The Platinum Card from American Express’s key specs?

Key specifications for The Platinum Card from American Express include annual fee ($695) and rewards rate (5X flights booked directly with airlines or via AmexTravel (up to $500k/yr), 5X prepaid hotels, 1X other).

What does The Platinum Card from American Express compare against?

The Platinum Card from American Express is compared head to head against American Express Gold Card vs The Platinum Card from American Express, The Platinum Card from American Express vs Blue Cash Everyday Card from American Express, The Platinum Card from American Express vs Blue Cash Preferred Card from American Express, The Platinum Card from American Express vs Bilt World Elite Mastercard, The Platinum Card from American Express vs Capital One SavorOne Cash Rewards, and The Platinum Card from American Express vs Capital One Venture X Rewards.