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The Platinum Card from American Express

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welcome offer

Earn 150,000 points after spending $6,000 within the first 6 months. See rates and fees

Bonus Value

Approximately $1500 - $1950

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

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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
  • Credit: Good credit needed
  • Amex 90-day rule: In a time span of 90 days, you can only get approved for 2 Amex cards.
  • Only one Platinum in 90 days: Amex has three personal Platinum cards 1) The Amex Platinum 2) The Morgan Stanley Platinum, 3) The Schwab Platinum. You can only get one of the three Platinums in a 90 day period.
  • Max cards: You can only get approved for up to and including- 10 Amex No Preset Spending Limit* cards. (This rule is not always enforced)
  • Apply for two cards: If you apply for one Amex card and get approved, it is recommended to apply for a second card since Amex is very good about approving for two cards, even within the same day

  • Credit bureau:  Amex will usually pull your Experian credit report. With the new "Apply With Confidence" feature, Amex will first do only a soft pull on your credit report and will let you know if approved or not. Only after you accept the approval will Amex do a hard pull on your credit (this feature is currently only available on Amex consumer cards. See more details below)
  • Combining same-day credit inquiries: 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
  • Check application status: You can check your application status  here  or call 1 800 567 1083
  • Reconsideration: If declined you can call 1 800 567 1083 to be reconsidered

  • Quickest way to get my card: Amex will sometimes give you an instant credit card number after approval, but not always. Amex Platinum physical cards will automatically be expedited and delivered overnight.

  • Downgrade options: 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.

Approval Monitor (submitted by HelpMeBuildCredit users)

89% Approved
728 Avg. Score of those approved
11% Denied
Approved 89% (34)
Denied 11% (4)
Credit limit rangeN/A
Approved 89% (34)
Denied 11% (4)

Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.

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

– 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

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).

New! Hertz President Circle. Plus get an extra 4 hours to return your car (For the 4-hour grace period you need to use the Amex Platinum CDP )


Free Walmart+ Membership. Get a $12.95 monthly credit to cover the full cost of a Walmart+ membership.

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

Get a $200 statement credit each calendar year on prepaid Fine Hotels and Resorts and The Hotel Collection bookings, through Amex Travel (bookings with The Hotel Collection requires a minimum two-night stay).

Get a $240 Digital Entertainment credit, up to $20 back per month, on purchases at the following providers: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times. Enrollment is required.

Get $15 Uber cash credits each month plus a bonus of $20 in December, totaling $200 a year, once this card is added to your Uber account. Credits can be used for UberEats orders or Uber rides in the US.

Get a $300 Equinox statement credit per year.

Get a $189 CLEAR statement credit per year.

Get $100 in statement credits each calendar for purchases at Saks Fifth Avenue. Get $50 in statement credits from January through June, and $50 in statement credits from July through December.

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 for non-refundable travel expenses including flight tickets, hotels, and more.

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 covered for lost or damaged luggage up to $2,000 per person for checked baggage and up to $3,000 per person for checked and carry-on baggage combined. 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.

How can the points be redeemed?

Cashback: The following are your options for redeeming Amex Points for cashback:

Amex Travel: You can use your points to book airfare, hotels, car rentals, and more on Amex Travel. You will get 1 penny per point for flights and 0.7 cents per point towards all other travel.

If you have the The Business Platinum Card from American Express then you can get 35% of your points back when booking a flight on Amex Travel and if you have the American Express Business Gold Card you get 25% of your points back when booking a flight on Amex Travel (up to 1,00,000 points back per calendar year).

In order to qualify for the 35% -25% points back promo, the flight needs to be one of the following: 

  1. Flights booked on your preferred airline – this is a single airline you choose once a year in January as your preferred airline. You can choose any of the following U.S. airlines:
  • American
  • Southwest
  • United
  • Delta
  • JetBlue
  • Alaska
  • Frontier
  • Hawaiian
  • Spirit
  1. You will also receive the 35%-25% rebate when you book a first or business class ticket on any airline (regardless of the airline you choose as your preferred airline)

Transfer to airline and hotel programs:  You can transfer your points to any of the following Amex Travel partners.

Airline partners:

Transfer Ratio Transfer Time
Aer Lingus, AerClub 1:1 Instant
AeroMexico 1:1.6 2-12 days
Air Canada 1:1 Instant
ANA 1:1 3 days
Air France/KLM 1:1 Instant
Avianca LifeMiles 1:1 Instant
British Airways 1:1 Instant
Cathay Pacific 1:1 Up to 1 week
Delta Airlines 1:1 Instant
Emirates 1:1 Instant
Etihad Airways 1:1 Instant
Hawaiian 1:1 Instant
Iberia 1:1 1-3 days
JetBlue 1:0.8 Instant
Qantas 1:1 Instant
Singapore Airlines 1:1 1-2 days
Virgin Atlantic 1:1 1-2 days

Hotel partners:

Ratio Transfer Time
Choice Privileges 1:1 Instant
Hilton Honors 1:2 Instant
Marriott, Bonvoy 1:1 Instant

Additional Resources

The new application experience is currently available for individuals applying for a U.S. Personal Card via HelpMeBuildCredit, at, or by calling American Express, and is not available if you apply for a Card after you log into an existing Card Member Account.

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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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