American Express✨ Luxury
The Platinum Card from American Express
Annual fee
$895
Welcome bonus
175,000 Membership Rewards points
Foreign txn fee
0%
(Direct link to issuer does not currently earn a commission on this card.)
Good to know before you apply
- The 175,000-point welcome bonus (after $12,000 in 6 months) is the biggest number on the page - Membership Rewards points transfer to a long list of airline and hotel partners, so the ceiling on that haul is real, but $12,000 in 6 months is a serious spend hurdle and not everyone gets there organically.
- $895/year only makes sense if you're actually extracting the credits - and there are a LOT of them, each with its own enrollment step, quarterly or monthly cadence, or partner restriction (looking at you, $25/month digital entertainment credit and $15/month Uber Cash).
- The lounge access story is genuinely unmatched: Centurion Lounges, Priority Pass Select, and 10 Delta Sky Club visits per year when flying Delta - that last one is capped at 10, which is worth knowing before you start treating Sky Club like a default airport routine.
- The hotel credits sound like $600 in free money - they're not quite: Fine Hotels + Resorts requires booking through Amex Travel at prepaid rates, The Hotel Collection requires a two-night minimum stay, and neither credit stacks with outside booking platforms or loyalty rate discounts.
- NO earn rate worth mentioning outside of flights and prepaid Amex Travel hotels - 5x on those two categories is strong, but the $500,000 annual cap on flights is the only guardrail that matters for most people, and everything else on this card earns a flat 1x (yes, even groceries).
- The complimentary status perks are a quiet bonus: Marriott Gold, Hilton Gold, and car rental elite status at Avis, Hertz, and National all come with the card - enrollment is required for most of them, so don't assume they activate automatically.
- Car rental coverage is secondary in the U.S. (not available at all in Australia, Italy, or New Zealand) and trip delay insurance only kicks in after a 6-hour delay on a round trip paid entirely with the card - the protections are real, but the fine print earns its reputation here.
- Don't forget the Global Entry / TSA PreCheck credit - up to $120 (or $85 for PreCheck) every 4 years when you apply with the card; it quietly covers the fee for years.
The Amex Platinum is the granddaddy of premium travel cards — a $895/year powerhouse stuffed with $3,500+ in annual credits, Centurion Lounge access, and a lounge network that no other card can touch. If you actually use the benefits (and there are a *lot* of them), this card more than pays for itself.
Welcome bonus
What you get for signing up and hitting the minimum spend.
175,000 Membership Rewards points · $12,000 spend in 6mo
See the offer →
Welcome bonus
What you get for signing up and hitting the minimum spend.
175,000 Membership Rewards points · $12,000 spend in 6mo
175,000 Membership Rewards points after spending $12,000 in the first 6 months.
Earn rates
How many points per dollar across categories.
3 categories · top rate 5x
See the multipliers →
Earn rates
How many points per dollar across categories.
3 categories · top rate 5x
Card-level multipliers. Earn currency: American Express Membership Rewards.
| Category | Rate | Notes |
|---|---|---|
| Flights | 5x | Booked directly with airlines or through American Express Travel®. Cap of $500,000 per calendar year. |
| Hotels (through portal) | 5x | Prepaid hotels booked through American Express Travel® (AmexTravel.com). |
| All other purchases | 1x | On all other purchases. |
Transfer partners
Where you can move your American Express Membership Rewards to airline + hotel programs.
20 partners
Meet the partners →
Transfer partners
Where you can move your American Express Membership Rewards to airline + hotel programs.
20 partners
Points earned with this card transfer to 20 partner programs via American Express Membership Rewards.
| To | Ratio | Notes |
|---|---|---|
| Aer Lingus AerClub | 1:1 | 1,000 MR = 1,000 Avios |
| Aeromexico Rewards | 1:1.6 | 1,000 MR = 1,600 AeroMexico Rewards points |
| Air Canada Aeroplan | 1:1 | 1,000 MR = 1,000 Aeroplan points |
| ANA Mileage Club | 1:1 | 1,000 MR = 1,000 ANA Mileage Club miles |
| Avianca LifeMiles | 1:1 | 1,000 MR = 1,000 LifeMiles |
| Avios | 1:1 | 1,000 MR = 1,000 Avios (The British Airways Club) |
| Cathay Pacific Asia Miles | 1:0.8 | 1,000 MR = 800 Asia Miles |
| Delta SkyMiles | 1:1 | 1,000 MR = 1,000 SkyMiles |
| Emirates Skywards | 1:0.8 | 1,000 MR = 800 Skywards Miles |
| Etihad Guest | 1:1 | 1,000 MR = 1,000 Etihad Guest miles |
| Flying Blue | 1:1 | 1,000 MR = 1,000 Flying Blue miles (Air France-KLM) |
| Club Iberia Plus | 1:1 | 1,000 MR = 1,000 Avios |
| JetBlue TrueBlue | 250:200 | 250 MR = 200 TrueBlue points (5:4 ratio) |
| Qantas Frequent Flyer | 1:1 | 500 MR = 500 Qantas Points |
| Qatar Privilege Club | 1:1 | 1,000 MR = 1,000 Avios (Qatar Privilege Club) |
| Singapore KrisFlyer | 1:1 | 1,000 MR = 1,000 KrisFlyer miles |
| Virgin Atlantic Flying Club | 1:1 | 1,000 MR = 1,000 Virgin Points |
| Choice Privileges | 1:1 | 1,000 MR = 1,000 Choice Privileges points |
| Hilton Honors | 1:2 | 1,000 MR = 2,400 Hilton Honors points |
| Marriott Bonvoy | 1:1 | 1,000 MR = 1,000 Marriott Bonvoy points |
Cardholder experiences
Members-only events, dining access, and special experiences bundled with this card.
3 programs
Browse the portals →
Cardholder experiences
Members-only events, dining access, and special experiences bundled with this card.
3 programs
American Express Experiences
Amex's entertainment portal --- presales, preferred seating on concerts, sports, and Broadway. Available to U.S. Amex cardholders.
🔒 Access this perk through your cardmember account at the issuer's website or app.
Premium Events Collection (formerly By Invitation Only)Invite-only
Amex ultra-premium curated events portal: exclusive sports, fashion, cultural, and travel events. Available to Platinum, Business Platinum, and Centurion cardholders only. (Previously branded as By Invitation Only.)
🔒 Access this perk through your cardmember account at the issuer's website or app.
Global Dining Access by Resypremium
Amex x Resy partnership: priority reservations at sought-after restaurants and exclusive dining events. Available to Platinum, Business Platinum, and Centurion cardholders only.
🔒 Access this perk through your cardmember account at the issuer's website or app.
Status
Hotel / airline / partner status this card grants.
3 benefits
See the details →
Status
Hotel / airline / partner status this card grants.
3 benefits
Marriott Bonvoy® Gold Elite Status
Complimentary Marriott Bonvoy Gold Elite status, offering upgrades to enhanced rooms upon check-in when available at participating Marriott Bonvoy hotels.
Hilton Honors™ Gold Status
Complimentary Hilton Honors Gold status with enrollment. Benefits include space-available room upgrades, 80% bonus on Hilton Honors Base Points, daily food & beverage credit at select brands, and every 5th night free on standard room stays with 100% Points.
Leaders Club Sterling Status — The Leading Hotels of the World®
Complimentary Leaders Club Sterling Status from The Leading Hotels of the World®. Includes 5% Leaders Club points bonus on qualifying stays and 5 pre-arrival upgrades annually. Enrollment required.
Lounge access
Airport lounge access conferred by this card.
3 benefits
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Lounge access
Airport lounge access conferred by this card.
3 benefits
Global Lounge Collection® — Centurion Lounges
Access to Centurion Lounges as part of the Global Lounge Collection®, covering over 1,550 airport lounges worldwide.
Delta Sky Club — 10 Visits Per Year
10 Delta Sky Club visits per year when flying on an eligible Delta flight.
Priority Pass Select Membership
Priority Pass Select membership included. Enrollment required.
Travel credits
Annual travel-spend credits and portal incentives.
1 benefit
See the details →
Travel credits
Annual travel-spend credits and portal incentives.
1 benefit
$600 Hotel Credit (Fine Hotels + Resorts / The Hotel Collection)
Up to $300 back in statement credits semi-annually on prepaid Fine Hotels + Resorts or The Hotel Collection bookings through American Express Travel. The Hotel Collection requires a minimum two-night stay.
Statement credits
Bill credits and recurring perks that offset annual fees.
11 benefits
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Statement credits
Bill credits and recurring perks that offset annual fees.
11 benefits
$200 Uber Cash
$15 in Uber Cash each month, plus a bonus $20 in December, for rides and orders in the U.S. Must select an Amex Card for the transaction.
$120 Uber One Credit
Up to $120 in statement credits each calendar year after purchasing an auto-renewing Uber One membership with the Card.
$200 Airline Fee Credit
Up to $200 per calendar year in statement credits after incidental fees (checked bags, in-flight refreshments) charged by one selected qualifying airline.
$209 CLEAR+ Credit
Up to $209 in statement credits per calendar year after signing up and paying for a CLEAR+ Membership (subject to auto-renewal) with the Platinum Card.
Fee Credit for Global Entry or TSA PreCheck®
Statement credit every 4 years after applying for Global Entry ($120) or up to $85 for TSA PreCheck® through a TSA PreCheck official enrollment provider. Global Entry approval also grants TSA PreCheck access.
$400 Resy Credit
Up to $100 in statement credits each quarter for eligible purchases with Resy, including dining at over 10,000 U.S. Resy restaurants. Enrollment required.
$300 Digital Entertainment Credit
Up to $25 in statement credits each month after paying for eligible purchases with the Platinum Card at participating partners. Enrollment required.
$300 lululemon Credit
Up to $75 in statement credits each quarter for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. Enrollment required.
$155 Walmart+ Credit
Up to $12.95 statement credit back each month after paying for a monthly Walmart+ membership (subject to auto-renewal) with the Platinum Card.
$200 Oura Ring Credit
Up to $200 in statement credits when using the Platinum Card to purchase an Oura Ring at Ouraring.com each calendar year. Enrollment required.
$300 Equinox Credit
Up to $300 in statement credits each year at Equinox for an Equinox+ digital subscription or Equinox club membership (subject to auto-renewal). Enrollment required.
Travel & rental insurance
Trip protection, rental car coverage, baggage, accident coverage.
3 benefits
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Travel & rental insurance
Trip protection, rental car coverage, baggage, accident coverage.
3 benefits
Car Rental Loss and Damage Insurance
Theft and collision damage coverage on rental cars when the full rental is charged to this card. Secondary coverage in the US. Not available for vehicles rented in Australia, Italy, or New Zealand. Does not include liability coverage.
Trip Delay Insurance
If a covered reason delays a round trip (paid entirely with the card) more than 6 hours, reimburses certain additional expenses up to $500 per trip; max 2 claims per eligible card per 12-month period.
Trip Cancellation and Interruption Insurance
Reimburses non-refundable expenses up to $10,000 per trip and up to $20,000 per eligible card per 12-month period when a covered reason cancels or interrupts a round trip paid with the card.
Purchase & travel protection
Purchase, extended warranty, cell phone, and fraud protections.
4 benefits
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Purchase & travel protection
Purchase, extended warranty, cell phone, and fraud protections.
4 benefits
Return Protection
Return eligible purchases to American Express if the seller won't take them back within 90 days of purchase. Up to $300 per item, up to $1,000 per calendar year per card account.
Cell Phone Protection
Up to $800 per claim (limit of 2 claims per 12-month period) for repair or replacement of a damaged or stolen cell phone when the prior month's wireless bill was paid with the eligible card. $50 deductible applies.
Purchase Protection
Covers eligible purchases against theft, accidental damage, or loss for up to 90 days from purchase date. Up to $10,000 per covered purchase, up to $50,000 per calendar year.
Extended Warranty
Up to one extra year added to the original manufacturer's warranty on covered purchases (applies to warranties of 5 years or less). Up to $10,000 per item, not to exceed $50,000 per card member account per calendar year.
Other
Other perks on this card.
7 benefits
See the details →
Other
Other perks on this card.
7 benefits
Fine Hotels + Resorts® Program
When booking Fine Hotels + Resorts® through AmexTravel.com, receive a suite of benefits with an average total value of $550 in perks per stay. Includes guaranteed 4PM checkout.
The Hotel Collection — $100 Property Credit
Receive a $100 credit towards eligible charges with every booking of two or more nights at over 1,300 upscale hotels through AmexTravel.com.
Platinum Travel Service
Platinum Travel Consultants specialize in providing custom itineraries and tailored recommendations.
Car Rental Elite Status — Avis, Hertz, National
Complimentary premium status for select car rental programs (Avis, Hertz, National). Enrollment through American Express online account required.
Premium Global Assist® Hotline
24/7 emergency assistance and coordination services when traveling more than 100 miles from home, including medical, legal, and financial referrals. Emergency medical transportation may be provided at no cost if approved and coordinated by the Hotline.
Global Dining Access by Resy
Special access to sought-after U.S. Resy restaurants, including exclusive reservations, premium dining experiences, Priority Notify, and more when adding the Platinum Card to Resy profile.
Membership Rewards® Transfer Partners
Transfer Membership Rewards points to airline and hotel travel partners.