The Platinum Card® from American Express Review

All benefits

• Points
  • 5x On up to $500,000 spent on directly-booked airfare and flights (per calendar year).
  • 5x On prepaid hotels booked with American Express Travel.
  • 1x On all other purchases.
• Travel
  • $200 Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card® (requires a minimum two-night stay).
  • The Global Lounge Collection®:
  • The American Express Global Lounge Collection® can provide an escape at the airport, with more than 1,400 airport lounges across 650 cities in 140 countries and counting.
  • $200 Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to your Platinum Card®.
  • $200 With your Platinum Card®, you'll receive $15 in Uber Cash for rides or eats orders in the US every month plus a bonus $20 in December, delivered through an exclusive Uber app experience. That's up to $200 for Uber rides or eats orders annually. You'll also become an Uber VIP, where available, without meeting minimum ride requirements and be matched with top-rated drivers, so that even a 5-minute trip can be a 5-star experience.
  • $189 Clear Credit®. CLEAR® uses biometrics to assign you a touchless ID, allowing you to move faster through security at select airports and stadiums across the U.S. You can cover the cost of a CLEAR membership with up to $189 in statement credits per year after you pay for CLEAR with your Platinum Card.
  • International Airline Program:
  • Lower fares on the best international seats in the house, up to 8 tickets per booking. There’s no need to shop around when you book the International Airline Program with American Express Travel. Enjoy savings on international First, Business, Premium Economy seats on more than 25 world-class airlines. Basic Card Member must be traveling on the itinerary and travel must originate in, and return to, the U.S.
  • Fee Credit for Global Entry or TSA Precheck®:
  • Receive either a $100 statement credit for Global Entry or a statement credit for up to $85 for TSA PreCheck® through any Authorized Enrollment Provider for a 5-year plan. TSA PreCheck can expedite security screening and Global Entry can reduce wait time at US Customs at select airports. And if you are approved for Global Entry you will also receive access to TSA PreCheck at no additional charge. Only one credit will be given in a 4 year period for Global Entry or in a 4.5 year period for TSA PreCheck for whichever application fee is charged to your Card first.
  • Fine Hotels & Resorts® Program:
  • Every stay at Fine Hotels + Resorts® is packed with perks when you book with American Express Travel. Enjoy an average total value of $550 in extras at over 1,100 properties, like daily breakfast for two, 4PM check-out, and a $100 experience credit to savor something unique at each property.
  • The Hotel Collection:
  • Delight your senses when you book The Hotel Collection with American Express Travel. Get a $100 experience credit for qualifying activities like dining or spa treatments. Minimum 2-night stay required to be eligible for the benefit. Experience credits vary by property.
  • Platinum Travel Service:
  • Platinum Travel counselors specialize in providing custom itineraries and tailored recommendations to help you make the most of your travels.
  • Marriott Bonvoy™ Gold Elite Status:
  • With Marriott Bonvoy Gold Elite status, you can receive upgrades to enhanced rooms upon check-in when available.
  • Hilton Honors Gold Status:
  • As a Platinum Card Member, enroll to receive complimentary Hilton Honors Gold Status.
  • Premium Car Rental Status:
  • Premium Card Members are eligible to enjoy complimentary premium status for car rental programs as well as additional benefits and discounts. Platinum Card® members, enjoy complimentary premium status for a number of car rental programs. Platinum Card Members can view their specific Car Rental Privileges online by logging into their Platinum Card account. Card Members have the choice to enroll in Avis Preferred®, Hertz Gold Plus Rewards®, and/ or National Car Rental® Emerald Club Executive through the Benefits Dashboard. Platinum Card Members are required to input a code when booking to receive free upgrades and discounts on their next car rental. Card Members must enroll using their eligible card.
  • Car Rental Loss and Damage Insurance:
  • Getting into your Rental Vehicle can be the start of a great vacation. When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver at the rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand.
  • Premium Global Assist® Hotline:
  • When you travel more than 100 miles from home, we can provide you with 24/7 medical, legal, financial or other select emergency coordination and assistance services. Card Members may be responsible for the costs charged by third-party service providers. Emergency medical transportation assistance may be provided at no cost only if approved and coordinated by Premium Global Assist Hotline.
  • Membership Rewards Program – Transfer Points:
  • Can’t get to the beach soon enough? Whether you’re dreaming of sunrise abroad or sunset on your favorite shore, American Express offers you the opportunity to transfer points to qualifying airline and hotel partners of any major U.S. Credit Card rewards program.
  • Trip Delay:
  • Booking the trip is easy. Avoiding delays is next to impossible. If a round-trip is paid for entirely with your eligible Card and a covered reason delays your trip more than 6 hours, Trip Delay Insurance can help reimburse certain additional expenses purchased with your same eligible Card, up to $500 per trip, maximum 2 claims per eligible Card per 12 consecutive month period.
  • Trip Cancellation:
  • If you purchase a round trip entirely with your eligible Card and a covered reason cancels or interrupts your trip, Trip Cancellation and Interruption Insurance can help reimburse your non-refundable expenses purchased with the same eligible Card, up to $10,000 per trip and up to $20,000 per eligible Card per 12 consecutive month period.

Rate and fee information

• Purchase Intro APR
  • None
• Purchase APR
  • 21.24% - 29.24% Variable
• Intro Balance Transfer APR
  • None
• Balance Transfers APR
  • None
• APR for Cash Advances
  • 29.99% Variable
• How to Avoid Paying Interest
  • Your due date is at least 25 days after the close of each billing period. You will not be charged interest on charges automatically added to a Pay Over Time balance if each month you pay your Account Total New Balance on your billing statement (or, if you have a Plan balance, your Adjusted Balance on your billing statement) by the due date. If you have Cash Advance on your Account, you will be charged interest on cash advances on the transaction date.

Fees

Pros & Cons

Features

• No foreign transaction fees
• Payment Flexibility
• Fraud Protection
• Rewards
• Bonus points
• Purchase Protection
• Extended Warranty Protection
• Travel
• Airline
• Award Travel seats
• Lowest Hotel Rates Guarantee
• Trip Cancellation
• Auto Rental Insurance
• 24/7 Travel Assistant
• Airport Lounge Access
• Good Credit
• Excellent Credit