Platinum Card®
A $895-annual-fee points card from American Express National Bank, with airport lounge access and a $1,750 signup bonus.
American Express National Bank · AMEX
- Annual fee
- $895
- Purchase APR
- 19.49–28.49%variable
- Signup bonus
- $1,750
- Foreign transaction
- None
Earn Rules
| TravelBooked directly with airlines or through American Express Travel® | 500.00% |
| TravelBooked on American Express Travel® | 500.00% |
| All Other | 100.00% |
Statement Credits
Each credit shown at full face value. The NAV math counts the total. What you actually use is your call.
| Receive up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection2 bookings through American Express Travel® when you pay with your Platinum Card®.semi-annualSource ↗ | $600/yr |
| With the $400 Resy Credit, you can get up to $100 in statement credits each quarter after you use the Platinum Card® to make eligible purchases with Resy, including dining purchases at over 10,000 qualifying U.S. Resy restaurants.quarterlySource ↗ | $400/yr |
| Get up to $25 in statement credits each month after you pay for eligible purchases with the Platinum Card® at participating partners.monthlySource ↗ | $300/yr |
| You can receive up to $75 in statement credits each quarter when you use the Card for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com.quarterlySource ↗ | $300/yr |
+ Show 8 more credits
| Get up to $300 in statement credits each calendar year after you pay with your Platinum Card® for an Equinox club membership or Equinox+ digital subscription (subject to auto-renewal).yearSource ↗ | $300/yr |
| You can receive up to $219 in statement credits per calendar year after you sign up and pay for a CLEAR+ Membership (subject to auto-renewal) with your eligible American Express Card.yearSource ↗ | $219/yr |
| $15 in Uber Cash each month, plus a bonus $20 in December, to use on rides and orders in the U.S.monthlySource ↗ | $200/yr |
| You can receive up to $200 in statement credits when you use the Platinum Card® to purchase an Oura Ring at ouraring.com each calendar year.yearSource ↗ | $200/yr |
| Earn up to $200 per calendar year in statement credits after incidental fees, such as checked bags and in-flight refreshments, are charged by your one selected qualifying airline to your Card.yearSource ↗ | $200/yr |
| 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®.monthlySource ↗ | $155/yr |
| up to $120 in statement credits each calendar year after you purchase an auto-renewing Uber One membershipyearSource ↗ | $120/yr |
| Receive either a statement credit every 4 years after you apply for Global Entry ($120) or a statement credit after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Platinum Card®.every 4 years (amortized)Source ↗ | $30/yr |
| Total credits / year we count | $3,024 |
Why this differs from the issuer's headline number. Card marketing sums every credit at full value and assumes you use all of them. We count each credit at face value too, but only the ones shown above. A credit you won't use is worth $0 to you, so the honest number for most people is lower than the brochure. Decide which ones fit your life; the calculator counts what you tell it to.
Signup Bonus
AS HIGH AS 175,000 Membership Rewards® points after you spend $12,000 in purchases on your new Card within the first 6 months of Card Membership.
Value: $1,750 · Spend $12,000 in 6 months
This bonus is counted in full in the card's Year 1 value, and only when your spend meets the requirement. It's excluded from the ongoing value.
Who This Card Makes Sense For
- People who reliably pay their balance in full each month. The 28.49% APR would wipe out the card's other benefits within a single billing cycle of revolving.
- People who will spend $2,000 a month for the next 6 months anyway — that clears the $12,000 required for the $1,750 bonus, which covers the $895 fee and then some in year one.
- Travelers who will actually use the lounge access. Set what a visit is worth to you in the calculator above — it is counted as $0 until you do, so the $895 fee currently has to be covered by everything else.
Wondering if this card pays off for your situation? Is the Platinum Card® worth it? →
Other Cards in the Same Fee Tier
A similar annual fee, ranked at the default profile.
- The Platinum Card® From American Express Exclusively For Charles Schwab$2,251 ($195)
- Chase Sapphire Reserve® Credit Card$2,193 ($253)
- UBS Visa Infinite Credit Card$707 ($1,739)