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The Platinum Card from American Express
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The Platinum Card from American Express

American Express

4.8/5TheFireWallet Rating

The Amex Platinum is the ultimate luxury travel card. With unmatched lounge access, 5X on flights and hotels, and over $2,000 in annual credits, it rewards frequent travelers who can put its perks to work.

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Key Details
Annual Fee
$895
APR
N/A (Pay Over Time: 20.24% - 29.99%)
Credit Score
Excellent
Rewards
5X on flights and prepaid hotels via Amex Travel
Signup Bonus
Up to 175,000 points after spending $12,000 in 6 months (targeted)
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Pros & Cons

Pros

  • +Centurion Lounges + Priority Pass + Delta Sky Clubs (10 visits/yr)
  • +Over $2,000 in annual credits (hotel, airline, Uber, Saks, Resy, CLEAR)
  • +5X on flights and prepaid hotels via Amex Travel

Cons

  • -$895 annual fee is steep without maximizing credits
  • -1X on most non-travel spending
  • -Charge card — balance must be paid in full (Pay Over Time available)
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Apply

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