Amex Platinum

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welcome offer

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

Bonus Cash Value

Approximately $1500*

Annual Fee

$550

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
  • You can only get approved for 2 Amex cards in 90 days. A customer can have up to 10 Amex charge cards. If you already have 10 open Amex charge cards you may be declined (this 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
Card Details And Benefits
  • Earn $200 annual airline fee credit
  • Earn free access to over 1,200 airport lounges worldwide
  • Earn $15 in Uber Cash for U.S. rides each month plus a bonus of $20 in December, which is up to $200 annually
  • Complimentary Hilton, and Marriott Gold Status
  • Earn $100 in statement credits annually for purchases at Saks Fifth Avenue ($50 credits twice a year)
  • Platinum Concierge service
  • Global Assist Hotline
  • Global Entry or TSA PreCheck
  • No Foreign Transaction Fee
  • Lounge Access
  • Trip Cancellation Insurance
  • Auto Rental Collision Insurance
  • Lost Luggage Reimbursement
  • Trip Delay Reimbursement
  • Return Protection
  • Extended Warranty Protection
  • Purchase Protection

Covid-19 Temporary Benefits

  • Cardholders will receive up to $20 per month, from 05/01/20 through 12/31/20 a total of $320 in statement credits on select streaming and wireless telephone services purchased directly from U.S. service providers, (streaming credit can possibly be used for Amazon gift cards, here is how).
  • You will receive a $200 Amex travel credit after your membership renewal (annual fee $550) between 05/01/20 -12/31/20. As per DOC, the credit will be valid for 18 months for any Amex Travel purchases, YMMV
  • Receive an Eats pass, free for 1 year, valid through December 2021

Additional Resources

Targeted Offers

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Compare Cards

CardAmex PlatinumAmex Gold CardAmerican Express Green Card
Welcome BonusEarn 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 monthsEarn 60,000 points after $4,000 spent within the first 6 months.Earn 30,000 points after $2,000 spent within the first 6 months
Annual Fee$550$250$150
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 - 4 points at US supermarkets (up to $25,000 spent annually) - 4 points at restaurants worldwide - 3 points on flights booked directly with the airline or with Amex travel - 1 point everywhere else- 3 points on restaurant purchases - 3 points on rideshares, subway, monthly tolls, and ferry rides - 3 points on flights, car rentals, and hotels - 1 point everywhere else
Upgraded StatusComplimentary Hilton Gold status, Marriott Gold status, Uber VIP, National Emerald Club Executive status, Avis Preferred Club status (publicly available), Hertz Gold Plus status (publicly available).
CreditsEarn A $200 annual airline incidental fee credit Earn $15 in Uber Cash for U.S. rides each month plus a bonus of $20 in December, which is up to $200 annually Earn $100 in statement credits annually for purchases at Saks Fifth Avenue ($50 credits twice a year)Earn $100 annual airline incidental fee credit Earn $10 statement credit monthly for purchases at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Shake Shack (not all locations), and Boxed.com Earn a $100 credit per calendar year when you pay for your CLEAR membership with your card
Global Entry and TSA pre-checkStatement credit for Global Entry or TSA Pre-Check every 4/4.5 years.
No Foreign Transaction FeeNoneNoneNone
Lounge AccessAccess to 12,000+ airport lounges, with a complimentary membership to Priority Pass Select. Centurion Lounges, AirSpace Lounges, Escape Lounges, Delta Skyclub (when flying Delta)Receive up to $100 in statement credits per calendar year on LoungeBuddy purchases.
Trip Cancellation InsuranceCoverage for canceled or interrupted travel due to an unforeseen medical emergency, etc. Max $10,000 per person per trip for a max of $20,000 per year.
Auto Rental Collision InsuranceSecondary worldwide coverage (excluding Australia, Italy, and New Zealand) on rentals up to 30 days (max $75,000). You can purchase from Amex a premium plan that will offer primary coverage up to 42 days (max $100,000).Secondary worldwide coverage (excluding Australia, Italy, and New Zealand) on rentals up to 30 days (max $50,000). You can purchase from Amex a premium plan that will offer primary coverage up to 42 days (max $100,000).Secondary worldwide coverage (excluding Australia, Italy, and New Zealand) on rentals up to 30 days (max $50,000). You can purchase from Amex a premium plan that will offer primary coverage up to 42 days (max $100,000).
Lost Luggage ReimbursementUp to $2,000 per person for lost or damaged luggage (max $10,000 per trip for NY residents)Up to $500 per person for lost or damaged luggage (max $10,000 per trip for NY residents)Up to $500 per person for lost or damaged luggage (max $10,000 per trip for NY residents)
Trip Delay ReimbursementIf your flight is delayed more than 6 hours you can claim up to $500 per trip to cover expenses like meals, lodging, toiletries, medication, and other personal use items (up to two claims per year).If your flight is delayed more than 12 hours you can claim up to $300 per trip to cover expenses like meals, lodging, toiletries, medication, and other personal use items (up to two claims per year).If your flight is delayed more than 12 hours you can claim up to $300 per trip to cover expenses like meals, lodging, toiletries, medication, and other personal use items (up to two claims per year).
Return ProtectionNot happy with a purchase? Get a refund on purchases that are passed the store return policy for up to 90 days. Max $300 per claim, $1,000 per year)
Extended Warranty ProtectionGet one additional year on top of the original manufacturer’s warranty. (Will only cover if the original warranty is for 5 years or less. Max $10,000 each claim and $50,000 per year.Get one additional year on top of the original manufacturer’s warranty. (Will only cover if the original warranty is for 5 years or less. Max $10,000 each claim and $50,000 per year.Get one additional year on top of the original manufacturer’s warranty. (Will only cover if the original warranty is for 5 years or less. Max $10,000 each claim and $50,000 per year.
Purchase ProtectionGet refunded if your purchase is damaged, lost, or stolen for up to 90 days from date of purchase. Max $10,000 per claim ($50,000 per year)Get refunded if your purchase is damaged, lost, or stolen for up to 90 days from the date of purchase. Max $10,000 per claim ($50,000 per year)Get refunded if your purchase is damaged or stolen for up to 90 days from date of purchase. Max $1,000 per claim ($50,000 per year)
Authorized User Fee$175There is no annual fee for up to 5 Additional Cards. The annual fee for 6 or more Additional Cards is $35 for each Card$0

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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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