The Platinum Card® from American Express: Top Tier Travel Card

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The Platinum Card® from American Express is one of the top premium travel rewards cards offering airport lounge access at 1,400+ airport lounges and up to $1,984 in statement credits.

The Amex Platinum also offers great travel and purchase protections, airline and hotel elite status, and special discounts and perks.

This credit card review will cover everything you need to know about this card to determine if you should add this card or a different card to your wallet. Let’s dive right in.

Table of Contents

Airport Lounge Access
The Platinum Card® from American Express
Learn How to Apply
American Express is a Deals Points Advertiser; Terms Apply. Enrollment is required for some benefits.

Welcome Bonus

The American Express Platinum currently offers the following welcome bonus:


There is also potentially a higher welcome bonus offer via referral.

Earning Points

American Express Platinum cardholders earn rewards at the following rates:

  • 5 points per dollar on flights booked directly with airlines or through American Express Travel, on up to $500,000 on these purchases per calendar year.
  • 5 points per dollar on prepaid hotels booked on
  • 1 point per dollar on all other purchases.

Cardmembers are also eligible for targeted Amex Offers that could boost earning rates at various merchants.

Annual Fee

The Amex Platinum comes with a hefty annual fee of $695 (rates & fees), which can be offset if you take advantage of the numerous credits totaling up to $1,984 per year, airport lounge access, and elite status.

There is also a $195 annual fee for each additional authorized user Platinum Card, who also receive airport lounge access, Global Entry/TSA PreCheck credit, and hotel and rental car elite status.

For example, if you had three authorized users with Amex Platinum cards, your additional fee would be $585.

Alternatively, you can add for free up to 99 Companion Cards for free, which allows you to earn points for spending on the Companion Card, but there are no perks like airport lounge access.

American Express Platinum Card Benefits

The Amex Platinum offers the most benefits of any credit card, including the following:

Airport Lounge Access

The Amex Platinum offers access to the following airport lounges:

American Express Centurion Lounges are luxurious airport lounges that offer amenities such as complimentary food and cocktails, high-speed Wi-Fi, and comfortable seating.

The current U.S. locations include Atlanta, Charlotte, Dallas, Denver, Houston, Las Vegas, Los Angeles, Miami, New York LaGuardia, New York JFK, Philadelphia, Phoenix, San Francisco, and Seattle.

You can access these lounges up to three hours before departure or at any time at a connecting airport on your way to your final destination.

Guests cost $50 per adult, $30 for guests between ages 2-17, and free for babies under two. You can unlock free guest access for two people if you spend at least $75,000 per calendar year on the Amex Platinum or Business Platinum card.

Airport Location
Charlotte (CLT) Dallas (DFW)
Denver (DEN) Houston (IAH)
Las Vegas (LAS) Los Angeles (LAX)
Miami (MIA) New York (JFK)
New York (LGA) Philadelphia (PHL)
Phoenix (PHX) San Francisco (SFO)
Seattle (SEA)
International Lounges
Buenos Aires, Argentina (EZE) Delhi, India (DEL)
Hong Kong, China (HKG) London, U.K. (LHR)
Melbourne, Australia (MEL) Mexico City, Mexico (MEX)
Monterrey, Mexico (MTY) Mumbai, India (BOM)
São Paulo, Brazil (GRU) Stockholm, Sweden (ARN)
Sydney, Australia (SYD)

Cardmembers can access Delta Sky Clubs when flying Delta Air Lines within three hours of departure or on arrival.

Guests are not free and cost $50 per guest, with a limit of two guests or immediate family members (spouse/domestic partner and kids under 21).

This benefit will be limited to limited to six annual visits starting on Feb. 1, 2025.

This card offers Priority Pass membership, which gets you access to over 1,300 airport lounges.

However, this card doesn’t offer access to Priority Pass restaurants, unlike the card_name (review)

Cardmembers get access to Escape Lounges – The Centurion Studio Partner. These are similar to smaller versions of the Centurion Lounges.

Plaza Premium Lounges are a global network of more than 135 airport lounges in more than 70 major international airports. 

From their spacious seating to gourmet food and high-end beverages, these lounges deliver an unprecedented level of luxury to frequent flyers.

Amex Platinum cardholders receive complimentary access to select Lufthansa lounges when flying on select Lufthansa Group airlines (including Lufthansa, SWISS, and Austrian):

  • Platinum cardmembers have complimentary access to Lufthansa Business Lounges when flying in economy class.
  • Platinum cardmembers have complimentary access to Lufthansa Senator Lounges when flying business class.

Credits of Up To $1,984

The Amex Platinum offers several fee credits to help offset its annual fee:

$200 Airline Fee Credit*:

Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your card.

Your options for airlines for the airline fee credit are:

  • Alaska Airlines
  • American Airlines
  • Delta Air Lines
  • Hawaiian Airlines
  • JetBlue Airways
  • Spirit Airlines
  • Southwest Airlines
  • United Airlines

$200 Uber Cash: Enjoy Uber VIP status and up to $200 annually in Uber savings on rides or eats orders in the U.S., which is split into monthly $15 credits and then $35 total in December.*

$200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection (2-night minimum stay required) bookings with American Express Travel when you pay with your Platinum Card®.*

Up to $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases at: Disney+, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal. Enrollment is required.*

$155 Walmart+ Credit: Receive up to a $155 statement credit that covers the full cost of a monthly Walmart+ membership ($12.95 plus applicable taxes) when paying with the Amex Platinum (subject to auto-renewal). Plus Up Benefits are not eligible and enrollment is required.*

$100 Saks Credit: Get up to a $100 Saks Fifth Avenue credit, split into two $50 statement credits between (1) January and June and (2) July through December. *

Global Entry or TSA PreCheck Credit: Receive a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. *

$189 CLEAR® Plus Credit: Breeze through security with CLEAR® Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per year on your membership (subject to auto-renewal) when you use your Platinum Card®.*

$300 Equinox Credit: Get up to $300 back per calendar year via statement credits on an Equinox+ subscription, or any Equinox club memberships when you pay with your Platinum Card®. Enrollment is required.*

$300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. Must charge full price of bike in one transaction, and an Equinox+ subscription is required.*

Hotel and Rental Car Elite Status

You can get elite status in five loyalty programs by holding the Amex Platinum:

The Amex Platinum offers complimentary Marriott Bonvoy Gold elite status while holding the card. Enrollment is required.

Marriott Bonvoy Gold Elite status offers benefits such as a 25% points bonus, welcome amenity, late checkout, enhanced room upgrades, and enhanced internet.

The American Express Platinum card offers complimentary Hilton Honors Gold elite status for holding the card. Enrollment is required.

Hilton Honors Gold elite status gets you perks such as an 80% points bonus, space available room upgrades, a food & beverage credit or breakfast, two complimentary bottles of water, and more.

The American Express Platinum card offers complimentary Hertz President’s Circle elite status for holding the card. Enrollment is required.

Hertz President’s Circle elite status offers benefits such the ability to choose your car at Hertz Ultimate Choice locations when you book an intermediate car or higher, complimentary upgrades, a 50% points bonus, and a free additional driver.

The American Express Platinum card offers complimentary National Emerald Club Executive elite status for holding the card. Enrollment is required.

National Emerald Club Executive elite status offers benefits such as the ability to choose your car in the Executive Area, Guaranteed Upgrades, and faster free car rental days (6 credits).

The American Express Platinum card offers complimentary Avis Preferred Plus elite status for holding the card. Enrollment is required.

Avis Preferred Plus elite status offers benefits such as free one-car class upgrade, expedited service, and a 25% points bonus.

Other Benefits

Trip Delay Insurance: If your trip is delayed by more than six hours for a covered reason, you may be eligible to be reimbursed up to $500 per covered trip for reasonable expenses.**

Trip Cancellation / Interruption Insurance: If your trip must be canceled or interrupted need because of a covered reason, you may be eligible for reimbursement of up to $10,000 per covered trip**

Secondary Rental Car Insurance covers any damage to or theft of a rental car not covered by your primary insurance when you pay for the rental using this card.**

Baggage Insurance Plan covers your baggage if it is lost, damaged, or stolen and you purchase your ticket with this card.**

Extended Warranty: You can extend eligible manufacturer’s warranties of five years or less by up to one additional year.**

Purchase Protection: You can protect recent purchases against theft, accidental damage, or loss for up to 90 days from the purchase date.**

Return Protection: You may be able to file a claim if a merchant refuses your return of an eligible item within 90 days from the date of purchase.**

Cell Phone Protection offers coverage for damage or theft of a cell phone when the monthly cell phone bill is paid with the eligible credit card.**

Amex Offers: This American Express card gets access to special deals or extra rewards when you load certain offers to your card.

ShopRunner Membership: This card offers a membership to ShopRunner, which offers free two-day shipping, free returns and members-only deals at 100+ merchants online.

* Enrollment is required for select benefits.

** Eligibility and benefit level varies by card. Terms, conditions, and limitations apply. Please visit for more details.

Redeeming Amex Membership Rewards

American Express Membership Rewards is a popular rewards program that offers a variety of redemption options, including travel, merchandise, gift cards, and more.

However, to get the most value out of your rewards, it’s important to use them strategically.

One of the best ways to use Amex Membership Rewards is through transfer partners.

The program partners with over 20 airline and hotel partners, including ANA, Air Canada Aeroplan, Iberia Avios, and Avianca LifeMiles.

By transferring your points to these partners, you can often get more value per point and enjoy a wider range of redemption options.

American Express Logo Membership Rewards Transfer Partners [1 to 1]
Aer Lingus Aer Lingus Avios AEROMEXICO LOGO AeroMexico [1 to 1.6]
Air Canada Air Canada Aeroplan Air France Air France/KLM Flying Blue
ANA ANA Avianca Avianca LifeMiles
British Airways British Airways Avios Cathay Pacific Cathay Pacific Asia Miles
Delta Air Lines Delta SkyMiles El Al El Al [1,000 to 20]
Emirates logo Emirates Etihad Etihad Guest
Hawaiian Airlines logo Hawaiian Airlines Iberia logo Iberia Avios
JetBlue JetBlue [250 to 200] Qantas Logo Qantas
Qatar Airways logo Qatar Airways Singapore Airlines Singapore KrisFlyer
Virgin Atlantic logo Virgin Atlantic Choice Logo Choice
Marriott Hotels Marriott Bonvoy Hilton Hotels Hilton Honors [1 to 2]

Pros and Cons

Here’s a quick overview of this card’s advantages and disadvantages:


  • Over $1,984 in credits.
  • Top overall card for airport lounge access.
  • Elite status for Hertz, Hilton, Marriott, Avis, and National.
  • Great travel and purchase protections.


Alternatives to the Amex Platinum

Now that you know about this credit card’s various benefits and pros and cons, it’s time to see its alternatives.

Better for Spending at Hotels, Rental Cars, Other Travel, and Dining


  • bonus_miles_full
  • $300 Annual Travel Credit
  • 10x Points on Hotels and Rental Cars and 5x Points on Flights Booked Through Chase Ultimate Rewards
  • 3x Points on Dining, Takeout, & Eligible Food Delivery
  • 50% More Redemption Value
  • Priority Pass Airport Lounge Access
  • Trip Delay and Trip Cancellation Insurance
  • Primary Rental Car Insurance
  • $550 Annual Fee

Click Here to Learn How to Apply

The card_name (review) is a great option for travelers who want premium perks such as airport lounge access and top-tier travel protections.

The Sapphire Reserve has a $550 annual fee, but you receive an annual easy-to use $300 travel credit and access to 1,300+ Priority Pass airport lounges.

Plus, great benefits such as trip delay insurance, primary rental car insurance, trip cancellation insurance, lost luggage reimbursement, purchase and return protection, extended warranty, and no foreign transaction fees.

Cardmembers also earn extra points with:

  • 5x points on flights and 10x points on hotels and car rentals through Chase Ultimate Rewards.
  • 3x points on travel.
  • 3x points on dining, and food delivery purchases.
  • 1x points everywhere else.

One thing to remember is that you won’t earn points on your first $300 in travel purchases each cardmember year since the $300 travel credit covers those purchases.

You can also cash out points at a 50% bonus (1.5 cents per point) when redeeming points towards travel or transfer the points to Chase’s airline and hotel partners.

Premium Perks for a More Reasonable Annual Fee

Capital One Venture X Rewards Credit Card
  • bonus_miles_full
  • $300 Annual Credit for Bookings through Capital One Travel
  • 10,000 Miles for Each Account Anniversary
  • Hertz President’s Circle Elite Status
  • Airport Lounge Access (Priority Pass, Capital One, & Plaza Premium)
  • 10X Miles on Hotels and Rental Cars, and 5x Miles on Flights Booked with Capital One Travel
  • 2X Miles on All Other purchases
  • $395 Annual Fee
Learn More Our Review

The Capital One Venture X Rewards Credit Card (review) is a premium travel rewards card that’s perfect for travelers who want outstanding travel perks like annual travel credits, worldwide airport lounge access, and travel and purchase protections. 

The Venture X earns 2x miles on all purchases helping you maximize every dollar of your spending. Plus, you can earn 10x miles on hotels and rental cars, and 5x miles on flights booked through Capital One.

The card has a $395 annual fee, completely offset by a $300 annual credit for bookings through Capital One Travel, and 10,000 points (worth at least $100) for each account anniversary.

Plus, you get airport lounge access via Priority Pass, Capital One, and Plaza Premium Lounges, Hertz President’s Circle elite status, Global Entry or TSA PreCheck credit, rental car insurance, trip and luggage insurance, cell phone insurance, and purchase protection.

Is the Amex Platinum Worth It?

The Amex Platinum is worth it if you can take advantage of the statement credits and airport lounge access. 

This is especially true if you are a Delta flyer, have a Centurion or Escape Lounge at your home airport, or don’t have a Priority Pass membership with another credit card.

Personally, I have the Amex Platinum for flights and airport lounge access, along with the American Express® Gold Card (review) for restaurants and supermarkets, and Capital One Venture X Rewards Credit Card (review).

Airport Lounge Access
The Platinum Card® from American Express
Learn How to Apply
American Express is a Deals Points Advertiser; Terms Apply. Enrollment is required for some benefits.

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