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The Platinum Card®

The Platinum Card®

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Network Provider
American Express
American Express
Annual fee
Purchase interest rate
Cash advance rate
Balance transfer rate
Credit Needed
Excellent (750-900)

Card Features

  • Airport Lounge Access
  • Airport Parking Discounts
  • Airport Valet Service
  • Annual Travel Credit
  • Complimentary Airline Upgrades
  • Entertainment Benefits
  • Extended Warranty
  • Flight Discounts
  • Golf Course Access
  • Hotel Benefits
  • Premium Hotel Program Membership
  • Purchase Protection
  • Rental Car Discounts
  • Travel Insurance

About This Card

People with excellent credit scores (750 and above) can apply for The Platinum Card, the iconic rewards credit card from American Express.

A product refresh in early 2019 brought a host of exciting changes to the card. 

First, The Platinum Cards are now made of actual metal. It's been one of the most exclusive cards on the market for years now — it has an annual fee of $699 and additional cards cost $175 — and the design change is sure to deliver an even more premium experience to cardholders.

Then, there are the changes to The Platinum Card's rewards earn rate. Here's how the new earn rate breaks down:

  • Earn 3 points for every $1 spent on eligible dining experiences.
  • Earn 2 points for every $1 on eligible travel purchases. 
  • Earn 1 point on all other purchases. 

One of the benefits of getting a new Platinum Card is the fact that you can now access benefits that have an approximate cash value of $550 USD when you plan trips through Amex's Fine Hotels & Resorts portal.

For reference, Amex is partnered with Marriott International, Hilton Hotels and Resorts®, Radisson Hotel Group, Shangri-La Hotels and Resorts and Hertz® and Avis® car rentals. 

And new cardmembers earn 25,000 welcome points when you charge $2,000 in purchases to your card within the first three months. 

However, since it is a charge card, holders of The Platinum Card must pay off their entire balance each month. An annual interest rate of 30% applies to balances that are not paid in full. To ensure you're not charged any interest, make sure your payment is received and processed by the date of your next monthly statement.

The other benefit of a charge card like The Platinum Card is that there's no predesignated credit limit. You can charge whatever you think you can afford. That said, it bears repeating: you must be able to pay it off in full. With great power comes great responsibility.    

Cardholders also get a number of travel, insurance, entertainment and protection privileges. Included is the American Express’ Front Of The Line program, which grants cardholders access to highly sought after shows and concerts.

The Platinum Card has an annual fee of $699. Additional cards cost $175.

Why get The Platinum Card?

No credit limit - With no preset credit limit, you can charge whatever you think you can afford to pay off at the end of the month. 

25,000-point welcome bonus -  New members are eligible to receive a welcome bonus of 25,000 membership reward points. To qualify for the bonus, cardholders must spend $2,000 within three months of activating the card.

Luxury lounge access -  The Platinum Card is your ticket into more than 1,200 airport lounges worldwide.

Hotel and car rental benefits -  Holders of the Platinum Card receive unparalleled benefits and discounts to over 600 hotels and resorts across the globe, as well as elevated status at participating hotels and car rental companies. Cardholders also get an annual travel credit of up to $100 USD when they use American Express Travel to book accommodations. 

The hotel credit can be used for:

  • A room upgrade, when available (only available at check-in).
  • Spa treatments, golf, and dining experiences (room service excluded). 

Referral program -  Refer friends or family and you’ll receive a bonus of 15,000 membership points. Cardholders are able to earn up to 225,000 referral points each year.

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