The Platinum Card® from American Express
A premium credit card loaded with luxury travel perks, annual credits, elite statuses, and unmatched airport lounge access — tailored for those who travel smart and travel often.
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Key Highlights
- Unparalleled travel benefits & lounge access
- Massive welcome bonus (limited-time offers)
- Over $1,500+ in potential yearly credits
- Luxury lifestyle perks
- Exclusive concierge services
- 5X Membership Rewards® points on flights booked directly with airlines or Amex Travel.
- 5X points on prepaid hotels booked via Amex Travel.
- Complimentary access to over 1,400 airport lounges worldwide, including:
- The Centurion® Lounge
- Priority Pass™ Select
- Delta Sky Club® (when flying Delta)
- Escape Lounges, Airspace, Plaza Premium, etc.
Whether it’s a long layover or early arrival, your airport experience transforms into first-class comfort.
- Offers often include 100,000+ Membership Rewards® points for meeting a spend threshold (varies by promo).
- That’s easily worth $1,000+ in travel when redeemed smartly through the Amex portal or transfer partners.
- $695 annual fee (as of 2025)
- Sounds intimidating, but…
- With more than $1,500+ in credits and premium travel perks, the value easily outweighs the cost — if you travel often and maximize the benefits.
- Airline Fee Credit — $200
- Uber Cash — $200
- Digital Entertainment — $240
- Saks Fifth Avenue — $100
- CLEAR® Plus — $189
- Walmart+ Membership — $155
- Global Entry / TSA PreCheck — $100
- Hotel Statement Credit — $200
- Total Potential Value — $1,500+
Here’s how you can earn it back (and more):
- Fine Hotels & Resorts® program with benefits like:
- Room upgrades
- Early check-in / late checkout
- $100+ property experience credit
- Complimentary Gold elite status with Marriott Bonvoy® and Hilton Honors®
You’re treated like royalty at every step of your journey.
- No foreign transaction fees
- 24/7 Global Assist® Hotline for emergencies abroad
- Emergency evacuation/repatriation support
This card is built for international jetsetters and adventure seekers alike.
- Purchase Protection against theft or damage
- Extended Warranty
- Return Protection if a retailer won’t take back an item
- Concierge Services to book restaurants, shows, gifts, and events
You spend. Amex makes sure it’s covered.
- Very high annual fee ($695) — not suitable for infrequent travelers
- Most credits are "use-it-or-lose-it" and require effort to maximize
- Not ideal for those who prefer simple cashback
- Requires excellent credit (typically 720+ score range)
- Frequent travelers (especially those who fly more than 3–4 times a year)
- People who value comfort, upgrades, and status
- Individuals who can take full advantage of the monthly credits
- Those who like to travel luxuriously while collecting valuable points
If luxury travel, VIP airport access, premium hotel perks, and tons of annual credits sound like your lifestyle — this card is absolutely worth it. The Platinum Card from American Express isn’t for everyone. But for those who travel smart and often, it’s a powerhouse of prestige and perks.