The Platinum Card® from American Express
Fees:
- Annual fee: $695.
APR:
- Variable APR of 20.24% to 28.24% on eligible charges for the Pay Over Time feature.
Offer:
- Earn up to 175,000 Membership Rewards® Points after spending $8,000 on purchases within the first 6 months.
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Earn 5X Membership Rewards® Points on flights booked directly with airlines or through Amex Travel (up to $500,000 annually).
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Access over 1,400 airport lounges worldwide with the Global Lounge Collection.
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Receive over $1,500 in annual credits, including $200 for Uber Cash, $200 for airline fees, and $240 for digital entertainment.
- 5X Membership Rewards® Points on flights booked directly with airlines or through Amex Travel and on prepaid hotels booked through Amex Travel.
- Extensive airport lounge access through the Global Lounge Collection.
- Annual credits: $200 for Uber Cash, $200 airline fee credit, $240 for digital entertainment, $155 Walmart+ membership credit, and $100 for Saks Fifth Avenue purchases.
- Complimentary Hilton Honors Gold Status and Marriott Bonvoy Gold Elite Status.
- $199 CLEAR® Plus Credit and up to $100 TSA PreCheck® or Global Entry credit every four years.
- Comprehensive travel protections, including trip delay and cancellation insurance.
- Access to exclusive dining reservations through Global Dining Access by Resy.
- Pay with Points for travel, merchandise, or other purchases.
The Platinum Card® from American Express is a premium rewards card tailored for frequent travelers seeking luxury benefits. Cardholders earn 5X Membership Rewards® Points on flights and prepaid hotels, with no foreign transaction fees. The card includes extensive travel perks, such as access to the Global Lounge Collection, annual credits for travel and entertainment expenses, and complimentary elite status with Hilton and Marriott. Its $695 annual fee is offset by over $1,500 in potential yearly credits, making it a top choice for those who maximize its benefits.
- High earning rate of 5X Points on flights and hotels.
- Extensive lounge access worldwide.
- Generous annual credits for travel and entertainment.
- Complimentary hotel elite statuses with Hilton and Marriott.
- Comprehensive travel protections and concierge services.
- High $695 annual fee.
- Best value requires frequent use of travel and entertainment credits.
- Limited earning potential outside travel-related purchases.
View Terms & Conditions
Responsible Credit Card Usage
While credit cards can offer convenience and benefits, it’s crucial to use them with caution. Be aware of interest rates, fees, and repayment terms to avoid accumulating unmanageable debt. It’s easy to overspend, so always stay within your budget and aim to pay off your balance in full each month to avoid interest charges. Before choosing a credit card, thoroughly review its terms and conditions directly with the provider and ensure that it aligns with your financial situation and spending habits. Responsible usage is key to maintaining good financial health.