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At Pointalize, we simplify the process by highlighting cards that deliver the strongest rewards, biggest bonuses, and best value for everyday spending. Whether you’re just starting out or looking to maximize premium benefits, our curated picks are designed to help you find the perfect fit for your wallet.
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
- $895
- 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.