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The American Express Platinum Card® is one of our favorite premium travel cards. It's packed with benefits, and Amex boasts that it offers more than $3,500 in annual value across travel, wellness, and lifestyle credits — all for a hefty $895 annual fee (Rates & Fees).

If you’ve never had the Platinum Card® before, now could be the perfect time to check your welcome offer. Some applicants are being targeted for bonuses as high as 175,000 Membership Rewards points. Here’s what you need to know.

American Express Platinum Card®
American Express Platinum Card®
How to Apply
Rates & Fees
(Terms apply)
Welcome Offer 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 of Membership. Welcome offers vary and you may not be eligible for an offer.
American Express Platinum Card®
Welcome Offer 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 of Membership. Welcome offers vary and you may not be eligible for an offer.
Annual Fee:$895
Show moreWhy We Like ItHighlightsEarning Rates
Cardholders can access more than 1,550 airport lounges worldwide, take advantage of up to $200 in annual airline fee credits, up to $219 in CLEAR+ credits, and TSA PreCheck® or Global Entry fee credits. The card also includes an annual hotel credit worth up to $600 on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings (The Hotel Collection requires a minimum two-night stay; effective January 1, 2027, Fine Hotels + Resorts® bookings will too), Hilton Honors™ and Marriott Bonvoy® Gold Elite status, and a suite of benefits with Fine Hotels + Resorts®. Additional perks include $12.95 monthly Walmart+ membership credit (with applicable sales taxes and Plus Ups not include), up to $300 in annual digital entertainment credits, up to $300 Equinox credits, and up to $200 annual Uber Cash and $120 Uber One Credit. Enrollment required for select American Express benefits.
  • You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you're approved and find out your exact welcome offer amount - all with no credit score impact. If you're approved and choose to accept the Card, your score may be impacted.
  • Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
  • $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay. Effective January 1, 2027, Fine Hotels + Resorts® bookings will require a minimum two-night stay to be eligible for the $600 Hotel Credit.
  • With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection, over $850 of annual value, with access to Centurion Lounges, 10 Delta Sky Club visits when flying on an eligible Delta flight, Priority Pass membership (enrollment required), and other select partner lounges. *As of 08/2026.
  • $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S. when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
  • $300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
  • $400 Resy Credit + Platinum Nights™ by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to pay for eligible purchases with Resy, including dining purchases at over 10,000 qualifying U.S. Resy restaurants. Enrollment required. As a Platinum Card® Member you have special access to reservations on select nights at participating sought after Resy restaurants through Platinum Nights™ by Resy. Simply add your Platinum Card® to your Resy profile to book your reservation.
  • $219 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 60+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $219 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to The Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
  • Whatever the occasion, choose from our two signature collections of premium hotels, curated to inspire and excite you when you book through Amex Travel™: Fine Hotels + Resorts® is a collection of over 1,900 luxury hotels that are destinations unto themselves and the Hotel Collection includes over 1,400 upscale hotels in desirable destinations.
  • $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That's up to $300 in statement credits each calendar year. Enrollment required.
  • $155 Walmart+ Credit: Get up to a $12.95* statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Platinum Card®. *Up to $12.95 plus applicable taxes on one membership fee.
  • $895 annual fee.
  • Terms Apply.
  • Earn 5X points for flights booked directly with airlines or with American Express Travel® (up to $500,000 in purchases per calendar year).
  • Earn 5X points on prepaid hotels booked with American Express Travel®.
  • Earn 5X points on Fine Hotels + Resorts® and The Hotel Collection bookings.

Platinum Card® Welcome Offers: as high as 175,000 Points!

One of the best parts of getting a premium card like the Platinum Card® is its welcome offer. If you're a new applicant for this card, you may be eligible for a welcome bonus as high as 175,000 Membership Rewards points after you spend $12,000 on eligible purchases on the Card in your first 6 months of Card Membership (apply and find out your offer, welcome offers vary and you may not be eligible for an offer).

It may sound a bit complicated, but here’s how it works if you apply for the Platinum Card® and you're approved:

  1. Find out your offer amount
  2. Accept the card with your offer
  3. Spend $12,000 in your first 6 months of Card Membership
  4. Receive your Amex Membership Rewards points

The Amex application process is a little different from what you might have experienced with other card issuers. Once you submit your application, you'll see whether you're approved and learn your exact welcome offer — with no impact on your credit score.

Only if you decide to accept the offer, your credit score may be impacted, but not before then.

American Express Platinum Card on a restaurant bill folio.
Credit: American Express

What are Amex Membership Rewards points worth?

Since these offers are branded “as high as,” the specific welcome bonus you’re targeted for may vary. To help you gauge what your offer could be worth, consider that AwardWallet users redeem Amex Membership Rewards points for an average of 2.06¢ each, largely due to the value unlocked through Amex’s 20 travel transfer partners.

Platinum Card® Benefits

The Platinum Card® comes with a long list of valuable perks. Many of these perks are geared toward frequent flyers or those who shop at high-end retailers. But plenty of the benefits go beyond that and can appeal to a much wider audience.

Here’s a look at what the Platinum Card® has to offer in its current state:

Travel Benefits

The Platinum Card®‘s calling card is its excellent suite of travel benefits, including:

  • Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year. Earn 1X points on other eligible purchases.
  • Global Lounge Collection: Access to Centurion Lounges and partner lounges, including Delta Sky Club® (when flying Delta; up to 10 visits per year), Plaza Premium lounges, and Escape Lounges. Enrollment in Priority Pass Select is also included; restaurants are not included.
  • $600 Lodging Credit: Up to $300 in statement credits twice per year (up to $600 annually) on prepaid Fine Hotels + Resorts, Hotel Collection, or Airbnb Luxe bookings through Amex Travel. Minumum stay requirements apply.
  • $219 CLEAR+ Credit: Up to $219 in statement credits per year for a CLEAR+ membership when paid with your Card.
  • $200 Airline Fee Credit: Receive up to $200 in statement credits each calendar year after selecting one qualifying airline and charging incidental fees to your Card.
  • Global Entry or TSA PreCheck Credit: Receive up to $120 every four years for Global Entry or up to $85 every five years for TSA PreCheck application fees when charged to your Card.
  • Hotel Elite Status: Complimentary Hilton Honors™ Gold Status, Marriott Bonvoy® Gold Elite Status, and Leaders Club Sterling Status after enrollment.
  • Rental Car Elite Status: Complimentary elite status with Avis Preferred Plus, Hertz President’s Circle, and National Car Rental Emerald Executive Club after enrollment.
  • Extensive trip delay, cancellation, and interruption insurance.

Enrollment is required for select Amex benefits.

Lifestyle Benefits

In addition to the extensive travel benefits the Platinum card offers, it also includes a host of lifestyle benefits, from dining to entertainment to shopping.

  • $400 Resy Dining Credit: Up to $100 in statement credits each quarter (up to $400 annually) for eligible purchases with Resy (enrollment required).
  • $300 Digital Entertainment Credit: $25 per month (up to $300 annually) with added partners Paramount+, YouTube Premium, and YouTube TV, alongside Disney+, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal (enrollment required).
  • $300 Lululemon Credit: Up to $75 back each quarter (up to $300 annually) for eligible purchases at Lululemon stores or on lululemon.com in the U.S. (enrollment required).
  • $300 Equinox Credit: Up to $300 in statement credits annually across all Cards on the account for U.S. Equinox memberships or Equinox+ subscriptions (enrollment required).
  • $200 Oura Ring Credit: Up to $200 back annually in statement credits when you purchase an Oura Ring through Ouraring.com (credit is valid only on hardware purchases; enrollment required).
  • $200 Uber Cash: Up to $15 in Uber Cash each month plus a $20 bonus in December after adding your Card to your Uber account, valid on U.S. rides and Uber Eats orders when you select Amex as the payment method. (enrollment required)
  • $120 Uber One Membership Credit: Up to $120 in statement credits each year after purchasing an auto-renewing Uber One membership, in addition to the existing Uber Cash benefit. (enrollment required)
  • Walmart+ Credit: Up to $12.95 (plus applicable sales taxes) back each month when you use your Card to pay for a Walmart+ membership (enrollment required).

These statement credits total over $3,000, so even if you use just one-third of them, you can recoup the annual fee.

Annual fee and authorized user fees

If these benefits fit your travel, spending, and shopping habits, remember they come at a cost. The Platinum Card® charges a $895 annual fee. And if you want to add someone to your account, there’s an additional fee of $195 for each additional Platinum Card® for Authorized Users (Rates & Fees).

Related: All About the American Express Platinum Card®

Platinum Card® Application Rules and Restrictions

Before applying, understand the American Express application rules, especially eligibility for a welcome offer on the Platinum Card®. According to the card's application page:

“After you submit your application and before you accept the Card (if you are approved), we will tell you if you are eligible for a welcome offer and the exact amount of Membership Rewards® points which you are eligible to earn with your Welcome Offer, which will be an amount as high as 175,000 points. This means that you may not be eligible for a welcome offer or the amount of points which you are eligible to earn with your Welcome Offer may be less than 175,000 points. You can earn these points after you spend $12,000 (the “Threshold Amount”) or more in eligible purchases on your Platinum Card® within the first 6 months of Card Membership starting from the date your account is opened. You may not be eligible for a welcome offer if you have or have had this Card, the Platinum Card® from American Express Exclusively for Charles Schwab, the Platinum Card® from American Express Exclusively for Morgan Stanley or previous versions of these Cards.”

Fortunately, Amex has a pop-up tool that tells you upfront whether you're ineligible for a welcome offer. That means you can choose whether or not to proceed with the application after confirming your eligibility.

Also, keep Amex's family restrictions in mind. If you're eyeing the American Express® Gold Card, apply for it before the Platinum Card® to maximize your chances of getting a welcome offer.

American Express Platinum Card on a hotel room service tray.
Credit: American Express

There are also a few other things to keep in mind:

  • Amex typically limits each person to five traditional credit cards with set spending limits at a time.
  • You can also have up to 10 cards with no preset spending limit (like the Platinum Card®).
  • And in most cases, you won’t be approved for more than two cards within 90 days.

No Preset Spending Limit means the amount you can spend adapts based on factors such as your purchase, payment, and credit history.

Related: Understanding Rewards Credit Card Application Rules and Restrictions

Bottom Line

If you’re looking for a premium rewards card, few compare to the Platinum Card®. The card does charge a $895 annual fee, but its benefits can make it easy to get more than your money’s worth. And the icing on the cake is a new applicant welcome offer as high as 175,000 points.

American Express Platinum Card®
American Express Platinum Card®
How to Apply
Rates & Fees
(Terms apply)
Welcome Offer 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 of Membership. Welcome offers vary and you may not be eligible for an offer.
American Express Platinum Card®
Welcome Offer 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 of Membership. Welcome offers vary and you may not be eligible for an offer.
Annual Fee:$895
Show moreWhy We Like ItHighlightsEarning Rates
Cardholders can access more than 1,550 airport lounges worldwide, take advantage of up to $200 in annual airline fee credits, up to $219 in CLEAR+ credits, and TSA PreCheck® or Global Entry fee credits. The card also includes an annual hotel credit worth up to $600 on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings (The Hotel Collection requires a minimum two-night stay; effective January 1, 2027, Fine Hotels + Resorts® bookings will too), Hilton Honors™ and Marriott Bonvoy® Gold Elite status, and a suite of benefits with Fine Hotels + Resorts®. Additional perks include $12.95 monthly Walmart+ membership credit (with applicable sales taxes and Plus Ups not include), up to $300 in annual digital entertainment credits, up to $300 Equinox credits, and up to $200 annual Uber Cash and $120 Uber One Credit. Enrollment required for select American Express benefits.
  • You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you're approved and find out your exact welcome offer amount - all with no credit score impact. If you're approved and choose to accept the Card, your score may be impacted.
  • Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
  • $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay. Effective January 1, 2027, Fine Hotels + Resorts® bookings will require a minimum two-night stay to be eligible for the $600 Hotel Credit.
  • With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection, over $850 of annual value, with access to Centurion Lounges, 10 Delta Sky Club visits when flying on an eligible Delta flight, Priority Pass membership (enrollment required), and other select partner lounges. *As of 08/2026.
  • $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S. when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
  • $300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
  • $400 Resy Credit + Platinum Nights™ by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to pay for eligible purchases with Resy, including dining purchases at over 10,000 qualifying U.S. Resy restaurants. Enrollment required. As a Platinum Card® Member you have special access to reservations on select nights at participating sought after Resy restaurants through Platinum Nights™ by Resy. Simply add your Platinum Card® to your Resy profile to book your reservation.
  • $219 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 60+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $219 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to The Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
  • Whatever the occasion, choose from our two signature collections of premium hotels, curated to inspire and excite you when you book through Amex Travel™: Fine Hotels + Resorts® is a collection of over 1,900 luxury hotels that are destinations unto themselves and the Hotel Collection includes over 1,400 upscale hotels in desirable destinations.
  • $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That's up to $300 in statement credits each calendar year. Enrollment required.
  • $155 Walmart+ Credit: Get up to a $12.95* statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Platinum Card®. *Up to $12.95 plus applicable taxes on one membership fee.
  • $895 annual fee.
  • Terms Apply.
  • Earn 5X points for flights booked directly with airlines or with American Express Travel® (up to $500,000 in purchases per calendar year).
  • Earn 5X points on prepaid hotels booked with American Express Travel®.
  • Earn 5X points on Fine Hotels + Resorts® and The Hotel Collection bookings.

For rates and fees of the cards mentioned in this post, please visit the following links: American Express Platinum Card® (Rates & Fees)

Tip of The Day
Did you know that we can analyze your everyday spending and make suggestions on how to increase your earnings with every transaction? Add an account with cards that earn Ultimate Rewards or Membership Rewards and we'll analyze what you earn with every swipe and identify how you can potentially earn more. To see this report, simply navigate to the CARD SPEND ANALYSIS tab in your account list
Screenshot of AwardWallet Card Spend Analysis tool showing earning details for user's card spending

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