Best For
Rewards Rate - Points
- 5x Flights booked directly with airlines or through Amex® Travel
- 5x Prepaid hotels booked through Amex® Travel
- 1x All other purchases
- Intro offer
- Up to 175,000 points after $8,000 in purchases within the first 6 months
- Annual fee
- $695
- Regular APR
- 21.24% – 29.24% Variable APR
- Recommended credit
- 740–850 (Excellent)
- Travel Perks
- Hotel Status, Lounge Access, Rental Car Insurance, Travel Insurance, TSA PreCheck/Global Entry
Highlights
- Access to the American Express Global Lounge Collection® (Centurion®, partner and Priority Pass™ with enrollment).
- Premium hotel benefits through Fine Hotels + Resorts® and The Hotel Collection (experience credits, daily breakfast at many properties and more; terms apply).
- Statement credits across categories like rideshare, digital entertainment and airline/trusted‑traveler programs (enrollment required; terms apply).
- Strong travel protections and premium concierge support.
- Membership Rewards® points with broad airline and hotel transfer partners.
Who is this card good for?
- Frequent travelers who will actually use lounge access and premium hotel perks.
- Users who can unlock the full value of multiple annual statement credits.
- Travel hackers who prefer flexible, transferable points for premium redemptions.
Pointalize Opinion
Pros
- Category‑leading lounge access and high‑touch travel perks.
- Multiple valuable credits that can more than offset the fee—if used.
- Flexible points ecosystem with top‑tier transfer options.
Cons
- High annual fee demands disciplined benefit use.
- Credits are spread across categories and require tracking/enrollment.
Pointalize Final Thoughts
Platinum is a premium travel platform: expansive lounge access, elite‑style hotel perks, strong protections and a stack of credits. If you travel often and can use the benefits, the value can be outstanding.