175,000-point bonus, 1,550+ lounges, $3,500+ in annual credits
The American Express Platinum Card remains one of the most comprehensive luxury travel cards on the market, though it underwent a significant fee increase in late 2025.
Below is an overview of the key features, costs, and benefits as of April 2026.
Annual Fee: $895.
Authorized Users: $195 per card for each additional Platinum Card.
Welcome Offer: Currently as high as 175,000 Membership Rewards points after spending $12,000 on eligible purchases within the first 6 months of account opening.
Foreign Transaction Fees: None.
5X Points: On flights booked directly with airlines or through American Express Travel (on up to $500,000 in purchases per calendar year).
5X Points: On prepaid hotels booked through American Express Travel.
1X Points: On all other eligible purchases.
Access to over 1,550 airport lounges worldwide, including:
Centurion Lounges: Including the new “Sidecar by Centurion” concepts.
Delta Sky Club: Limited to 10 visits per year (unless you spend $75,000+ annually on the card).
Priority Pass Select: Enrollment required.
Lufthansa Lounges: Access is available through September 30, 2026.
$600 Hotel Credit: Up to $300 back semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings via Amex Travel.
Elite Status: Complimentary Marriott Bonvoy Gold Elite and Hilton Honors Gold status (enrollment required).
Fine Hotels + Resorts (FHR): Includes daily breakfast for two, guaranteed 4 PM late checkout, and a $100 experience credit per stay.
The card offers a “coupon book” style of value that can exceed $3,500 if fully utilized:
$400 Resy Credit: Up to $100 back per quarter at eligible U.S. Resy restaurants.
$300 Digital Entertainment: Up to $25 monthly for services like Disney+, Hulu, Peacock, and The New York Times.
$200 Uber Cash: $15 monthly ($35 in December) for U.S. rides or eats, plus an Uber One credit of up to $120/year.
$200 Airline Fee Credit: For incidental fees (checked bags, in-flight meals) on one pre-selected airline.
$209 CLEAR Plus Credit: Covers the full cost of a CLEAR Plus membership.
$120 Global Entry/TSA PreCheck: Reimbursed every 4 to 4.5 years.
$155 Walmart+ Credit: Covers the full monthly cost of the membership.
Cell Phone Protection: Coverage for repair or replacement (subject to a deductible).
Trip Insurance: Includes Trip Delay, Trip Interruption, and Trip Cancellation insurance.
Purchase Protections: Extended Warranty and Return Protection on eligible items.
Note: Many of these benefits require manual enrollment through the American Express website or app before they can be used.