By Austin Christensen · Last updated: October 18, 2026

Amex Platinum Card Review

The welcome offer is Personalized offer: as high as 175,000 Membership Rewards points after $12,000 spend in 6 months; maximum not guaranteed. The personal Platinum Card has an $895 annual fee.

American Express · Amex Membership Rewards

Personalized offer: as high as 175,000 Membership Rewards points after $12,000 spend in 6 months; maximum not guaranteed · Annual fee $895

Earn rates

  • 5x flights booked direct or via Amex Travel
  • 5x prepaid hotels via Amex Travel
  • 1x everything else

Credits

  • Incidental fees on one selected airline each calendar year.
  • Up to $200 a year on Uber rides or Uber Eats.
  • $300 semi-annually on prepaid Fine Hotels + Resorts or The Hotel Collection bookings via Amex Travel. The Hotel Collection requires a 2-night minimum.
  • Up to $25 a month on eligible streaming and digital subscriptions. Enrollment required.
  • $100 a quarter at eligible U.S. Resy restaurants. Enrollment required.
  • $75 a quarter at eligible U.S. lululemon purchases. Enrollment required.
  • Up to $200 a calendar year on an Oura Ring at ouraring.com. Enrollment required.
  • Up to $120 a calendar year after you buy an auto-renewing Uber One membership with the card.
  • Up to $219 per calendar year for an auto-renewing CLEAR+ membership, excluding taxes and fees.
  • $120 after you apply for Global Entry, or up to $85 for TSA PreCheck, every 4 years.

Also on the card

  • Priority Pass Select, Centurion Lounges, and Delta Sky Club when flying Delta
  • Hilton Honors Gold and Marriott Bonvoy Gold Elite
  • No foreign transaction fee

Amex Platinum does not have an active application link on this site.

Issuer offer terms · Checked 2026-10-18. Personalized offer; maximum not guaranteed.

Which credits are in the card data?

The credits in the card data are the ones in the box above. Hotel: $300 semi-annually on prepaid Fine Hotels + Resorts or The Hotel Collection bookings via Amex Travel. The Hotel Collection requires a 2-night minimum. CLEAR+: Up to $219 per calendar year for an auto-renewing CLEAR+ membership, excluding taxes and fees. Global Entry or TSA PreCheck: $120 after you apply for Global Entry, or up to $85 for TSA PreCheck, every 4 years.

Equinox and Walmart+ are still off this page. The amounts in the tools do not match a line on the issuer page checked October 18, 2026. Lounge access here means Priority Pass Select, Centurion Lounges, and Delta Sky Club when flying Delta, plus Hilton Gold and Marriott Gold Elite.

What works

  • 5x on flights booked direct or through Amex Travel, and 5x on prepaid hotels through Amex Travel
  • A long list of statement credits if you already spend in those categories
  • Lounge access and hotel elite status are part of the card's published benefit set

What doesn't

  • 1x on everything that is not those flight and hotel bookings
  • The offer you see can be lower than the maximum in the card data
  • This site does not have an active application link for the personal Platinum Card

Key takeaways

  • Confirm the personalized bonus before you accept the card. Personalized offer: as high as 175,000 Membership Rewards points after $12,000 spend in 6 months; maximum not guaranteed
  • Everyday spend earns 1x. This is a benefits card.
  • There is no Apply button because the application destination is not active.

Card figures come from the card data, checked 2026-10-18. Read the issuer terms in the source line above before you apply.