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Earn 75,000 points after $5,000 spent within the first 6 months. Plus earn 10 points at U.S Gas Stations and U. S Supermarkets on up to $15,000 in combined purchases within the first 6 months (terms apply) See rates and fees

Bonus Cash Value

Approximately $1500*

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

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
  • 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.

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.

Get $100 in statement credits annually for purchases at Saks Fifth Avenue ($50 credit twice a 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 (excluding Australia, Italy, and New Zealand) on rentals up to 30 days. 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.

Covid-19 Temporary Benefits

  • PayPal Credit: Receive a monthly $30 statement credit for PayPal purchases 01/01/21-06/30/21
  • UberEats Pass: Cardholders will receive an Eats pass, free for 1 year, valid through December 2021
  • $50 Statement Credit: Receive a $50 statement credit after spending $50 at many retailers including Home Depot, BestBuy, HomeChef, and more. Can be used up to two times. Enroll at Amex offers. Only eligible for Platinum accounts that had the card before November 1, 2020
  • Starting 01/10/21, Receive a complimentary night or a $150 credit or more, after you book through Amex Travel for an eligible stay at participating Hotel Collection Properties. Terms apply.
  • Starting 01/10/21, Receive a complimentary night or a $250 credit or more, after you book through Amex Travel for an eligible stay at participating Fine Hotels and Resorts. Terms apply.
  • Starting 01/10/21, Receive up to 20% discounts on select routes, fares, and seats, with participating airlines booked 01/10/21-03/31/21. for travel valid through 05/31/21. Terms apply.

Additional Resources

  *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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Choice Privileges

*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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