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Earn 100,000 points after spending $6,000 within the first 6 months. Plus earn 10 points at restaurants worldwide and when you Shop Small in the U.S. on up to $25,000 in combined purchases within the first 6 months (terms apply). See rates and fees

Bonus Value

Approximately $5250*

Annual Fee

Card Rewards

5 points on flights booked directly with airlines and Amex Travel on the first $500,000 you spend within a calendar year

5 points on prepaid hotels booked directly with Amex Travel

1 point everywhere else

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Card Overview

The Amex Platinum card is a super luxury travel card, offering many benefits for travel and hotel stays in general. You get 5 points for flights booked directly through airlines, a $200 annual airline incidental fee credit, free global entry and TSA precheck, complimentary Hilton and Marriot Gold status, and free access to over 1,200 airport lounges worldwide. Amex offers platinum concierge service. Get $15 in Uber cash for monthly rides, up to $200 annually. The card also has many great travel and purchase protections like return protection, baggage insurance, and more!

Card-Smart Tips & Advice
  • Good credit needed
  • In a time span of 90 days, you can only get approved for 2 Amex cards.
  • You can only get approved for up to-and including- 10 Amex No Preset Spending Limit* cards. (This rule is not always enforced)
  • Amex will usually pull your Experian credit report
  • Credit inquiries for same-day applications will be combined, as long as they are both approved for on the same day. Note, for some existing Amex credit cardholders, Amex will not do a hard credit pull when applying for a new credit card at any time
  • You can check your application status  here  or call 1 800 567 1083
  • If declined you can call 1 800 567 1083 to be reconsidered
  • The Amex Platinum Consumer card can be downgraded to the Amex Green Consumer card ($150) or to the Amex Gold Consumer ($250) card. Please note, it is not recommended to downgrade an Amex card before 12 months of account opening.
See recent approvals from this card
Welcome Offer Eligibility
You can only receive 1 welcome bonus per lifetime on each Amex credit card. If you are not eligible for the welcome bonus you will be notified by Amex before you submit the application.
Card Details And Benefits
Foreign Transaction Fee

No foreign transaction fee.

Upgraded Status

Hilton Gold status.

Marriott Gold status.

Uber VIP.

National Emerald Club Executive status.

Avis Preferred Club status (publicly available).

Hertz Gold Plus status, plus, get free upgrades, an extra 4 hours to return your car, and one free additional driver.

Credits

Get a $200 airline incidental fee credit each calendar year.

New! Get a $200 statement credit each calendar year on prepaid Fine Hotels and Resorts and The Hotel Collection bookings through Amex Travel.

New! Get a $240 Digital Entertainment credit, up to $20 per month, on purchases at the following providers: Peacock, Audible, SiriusXM, and New York Times.

Get $15 in Uber Cash credits for U.S. rides each month plus a bonus of $20 in December, which is a total of up to $200 annually.

New! Get a $300 Equinox statement credit, $25 per month on select memberships. Enrollment is required.

New! Get a $179 CLEAR statement credit per year.

Global Entry and TSA pre-check

Get a statement credit for Global Entry or TSA Pre-Check every 4-4.5 years.

Lounge Access

Access to 1,200+ airport lounges, with a complimentary membership to;

Priority Pass Select

Centurion Lounges

AirSpace Lounges

Escape Lounges

Delta Skyclub lounges (when flying Delta)

Select Lufthansa lounges (when flying Lufthansa, Austrian Airlines, or Swiss)

Trip Cancellation Insurance

Coverage for canceled or interrupted travel due to an unforeseen medical emergency etc. Max $10,000 per person per trip, max $20,000 per year.

Auto Rental Collision Insurance

Secondary worldwide coverage on rentals up to 30 days (excluding Australia, Italy, and New Zealand). Max $75,000. You can purchase an Amex premium plan that will offer primary coverage up to 42 days. Max $100,000.

Lost Luggage Reimbursement

Get up to $2,000 per person for lost or damaged luggage. Max $10,000 per trip for NY residents.

Trip Delay Reimbursement

If your flight is delayed for 6+ hours, you can claim up to $500 per trip to cover expenses like meals, lodging, toiletries, medication, and other personal use items. Max 2 claims per year.

Return Protection

Not happy with a purchase? Get a refund on purchases that have passed the store return policy - up to 90 days from date of purchase. Max $300 per claim, max $1,000 per year.

Extended Warranty Protection

Get one additional year to your original manufacturer's warranty time. (Will only cover if the original warranty is for 5 years or less). Max $10,000 per claim, $50,000 per year.

Cell Phone Protection

Get reimbursed for up to $800 per claim (with a $50 deductible) if your cell phone is damaged or gets stolen. To activate coverage, you need to pay your monthly cell phone bill with your Platinum credit card. Max 2 claims per year.

Purchase Protection

Get refunded if your purchase is damaged, lost, or stolen, up to 90 days from the date of purchase. Max $10,000 per claim, $50,000 per year.

Additional Resources

Targeted Offers

These links may have higher targeted offers. (You can try the links through incognito tabs or different browsers). Please note, these links are not affiliated links and we do not earn commission through applications submitted via these links. Please only use these links if you have been targeted for a higher offer. *No Preset Spending Limit means the spending limit is flexible. [In fact,] unlike a traditional [credit] card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history  

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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