American Express Platinum Card® doesn’t have a set credit limit. Instead, it has no preset spending limit, which means the amount you can spend may change from month to month based on factors such as your purchase, payment, and credit history.
This feature gives you flexible spending capacity. You can check your available credit limit by logging into Online Services or using the Amex App.
How to Check Spending Power Online
You can check your spending power on the Amex Platinum by
- Signing into your account on AmericanExpress.com.
- Clicking “Account Services.”
- Clicking “Check Spending Power.”
- Entering “Expected Purchase Amount” and clicking “Submit.”
American Express will then determine based on your current amount due, credit history, and relationship with American Express what your spending limit will be.
How to Check Spending Power on Mobile App
You can also check your spending power on the American Express Mobile App.
I found the option by (1) selecting my American Express Platinum, (2) clicking the 3 vertical dots and then (3) clicking “Check Spending Power.”
Earning Points with the Amex Platinum
Cardmembers are also eligible for targeted Amex Offers that could boost earning rates at various merchants.
Benefits of the American Express Platinum
The Amex Platinum offers the most benefits of any credit card, including the following: Lounge Access: Eligible Card members get access to the extensive American Express Global Lounge Collection, including Centurion Lounges, Priority Pass lounges, Lufthansa lounges (when flying Lufthansa, SWISS, or Austrian) and Delta Sky Clubs when flying Delta. Platinum members receive 10 Delta Sky Club visits annually per eligible card (unless you spend $75,000 in a calendar year) when traveling on same-day Delta flights. Airline Fee Credit: You’ll receive up to $200 in statement credits annually for incidental fees charged by one qualifying airline of your choice.* Hotel Credits: You’ll receive up to $600 in hotel credits annually with this card, split into two convenient semi-annual periods. The credit structure gives you up to $300 from January through June and another $300 from July through December.* Uber Cash: Your card provides up to $200 annually in Uber Cash, distributed as up to $15 monthly credits, plus a bonus of up to $20 in December. These credits can be used for both Uber rides and Uber Eats orders within the United States when you add your Platinum Card as a payment method and redeem with any Amex card.* Uber One Credit: You’ll receive up to $120 annually in statement credits after purchasing an auto-renewing Uber One membership with your card, which is separate from the existing $200 annual Uber Cash benefit.* CLEAR Plus Credit: You can cover the cost of a CLEAR Plus Membership with up to $209 in statement credits per calendar year after you pay for CLEAR Plus with this card.* Digital Entertainment Credit: You’ll receive up to $25 monthly (up to $300 annually) in credits toward popular streaming services like Disney+, Hulu, ESPN+, Paramount+, Peacock, YouTube Premium, YouTube TV, and digital subscriptions to The New York Times and The Wall Street Journal. * Resy Dining Credit: You’ll receive up to $100 quarterly (up to $400 annually) in statement credits when you use your card for eligible dining purchases at over 10,000 U.S. Resy restaurants.* Lululemon Shopping Credit: You’ll receive up to $75 quarterly (up to $300 annually) in statement credits when you use your card for eligible purchases with Lululemon in the U.S.* Oura Ring Credit: You’ll receive up to $200 annually in credits when you use your card to purchase an Oura Ring through ouraring.com.* Equinox Credit: Enjoy up to $300 in annual statement credits toward Equinox gym memberships or the Equinox+ fitness app (subject to auto-renewal).* SoulCycle Benefit: You can receive up to $300 in statement credits toward the purchase of a SoulCycle at-home bike (up to 15 bikes per calendar year). To qualify, you must be enrolled in an Equinox+ membership when making your purchase.* Walmart+ Credit: Receive up to $155 in statement credits annually (up to $12.95 monthly plus applicable taxes) covering a Walmart+ membership when paying with your Platinum Card. Global Entry/TSA PreCheck: You’ll get a $120 statement credit for Global Entry every four years or up to $85 credit for TSA PreCheck every 4.5 years. Saks Fifth Avenue Credit: Enjoy up to $100 in Saks Fifth Avenue statement credits annually, divided into two $50 credits (January-June and July-December).* Hotel Elite Status: Enjoy complimentary Gold status with both Hilton Honors, Marriott Bonvoy, and Leaders Club hotel programs.* Car Rental Status: Enjoy complimentary elite status with multiple car rental agencies: Hertz Gold Plus Rewards President’s Circle, Avis Preferred Plus, and National Emerald Club Executive. Premium Hotel Programs: You’ll have access to exclusive Amex Fine Hotels + Resorts and The Hotel Collection booking programs. These provide valuable perks like room upgrades, daily breakfast for two, guaranteed late checkout, and unique property amenities during your stays. Travel Protections: Your Platinum Card covers trip delays over six hours (up to $500), cancellations/interruptions (up to $10,000), secondary rental car insurance when declining the rental company’s waiver, and baggage insurance for lost, damaged, or stolen items when purchasing tickets with your card.** Shopping Protections: Your Platinum Card safeguards purchases with extended warranty coverage adding up to one year to eligible manufacturer’s warranties, protection against theft, damage, or loss for 90 days, potential reimbursement when merchants refuse returns within 90 days, and cell phone protection when you pay your monthly bill with your card.** * Enrollment is required for select benefits. ** Eligibility and benefit level varies by card. Terms, conditions, and limitations apply. Please visit americanexpress.com/benefitsguide for more details.
