Terms apply to benefits and offers included in this article.
Premium credit cards often come with annual fees that can feel exorbitant upfront. But the real measure of value lies in whether the benefits you’ll actually use can outweigh the fee over the course of a year.
With its recent refresh, the Platinum Card® from American Express offers an expanded suite of travel, dining, entertainment, shopping and wellness benefits. Collectively, these benefits can amount to thousands of dollars in potential annual value, whether through everyday savings or memorable experiences. Here’s an in-depth look at where that value sits and how to make it work for your lifestyle.
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5X Reward Rate
5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts®Read More
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Credit Score
Good, Excellent
- You may be eligible for as high as 175,000 Membership Rewards® points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
- More Value! With over 1,550 airport lounges – more than any other credit card company on the market* – enjoy the benefits of the Global Lounge Collection®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges. * As of 07/2025.
- More Value! $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
- More Value! $300 Digital Entertainment Credit: Get up to $25 in statement credits each month after you pay for eligible purchases with the Platinum Card® at participating partners. Enrollment required.
- More Value! $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
- New! $400 Resy Credit + Platinum Nights by Resy: When you use the Platinum Card® to pay at U.S. Resy restaurants and to make other eligible purchases through Resy, you can get up to $100 in statement credits each quarter with the $400 Resy Credit benefit. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you, enrollment required.
- More Value! $209 CLEAR® Plus Credit: CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. You can cover the cost of a CLEAR Plus Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR Plus with the Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
- $200 Airline Fee Credit: 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 the Platinum Card® Account*. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
- Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in upon arrival, when available, and guaranteed 4PM check-out.
- New! $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
- $155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card®.*Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
- $100 Saks Credit: Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on the Platinum Card®. That’s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. No minimum purchase required. Enrollment required.
- Whenever you need us, we’re here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
- $895 annual fee.
- Terms Apply.
A Category-by-Category Breakdown of the $3,500 Value
From fitness and shopping credits for eligible purchases to convenient travel benefits, the Platinum Card® offers a wide range of benefits that Card Members can use throughout the year.
The following sections show how the various categories come together to create more than $3,500 in potential annual value. Keep in mind that these totals reflect the maximum potential value. The actual benefits you realize will vary based on how consistently you use the credits while they are valid and whether you take advantage of recurring benefits like lounge access.
Everyday Lifestyle Credits That Can Quietly Add Up
Not all premium card benefits are about luxury hotels or airport lounges. From statement credits toward eligible fitness memberships to everyday shopping trips, some of the Platinum Card’s® most impactful benefits show up in the daily routines you may already be spending on. Here’s a closer look at the Card’s updated lifestyle and wellness benefits:
- $300 lululemon Credit: Platinum Card® members can enjoy up to $75 back in statement credits each quarter when the Platinum Card® is used for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. Enrollment required.
- Walmart+ Monthly Membership Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with your Platinum Card®. *Up to $12.95 plus applicable local sales tax. Plus Ups aren’t eligible.
- Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on your Platinum Card®. That’s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. No minimum purchase required. Enrollment required.
- $200 Oura Ring Credit: Receive up to $200 in statement credits each calendar year when you use the Platinum Card® to purchase an Oura Ring at Ouraring.com. Enrollment required. Oura currently offers two rings: The Oura Ring 3 is priced at $199, which the credit can fully cover, and the Oura Ring 4 is priced at $349, where you would need to pay the difference.
- $300 Equinox Credit: Get up to $300 in statement credits each year when you pay for an Equinox+ subscription with live and on-demand classes, or an Equinox club membership (subject to auto-renewal) with your Platinum Card®.
Since these statement credits apply to everyday purchases, like grocery delivery or seasonal wardrobe updates, they can help reduce routine expenses and add steady value you’ll notice throughout the year.
Dining and Entertainment Value That Stretches From Table to Couch
Dining and entertainment are some of the most visible ways premium cards can deliver benefits—pairing practical savings with access to experiences that can feel harder to put a price on.
With the Platinum Card®, a typical night out can become something more memorable thanks to benefits that reduce the bill and open doors to popular restaurants. And when the evening winds down, another benefit kicks in to help cover streaming services. These are the key benefits in detail:
- $400 Resy Credit: Get up to $100 in statement credits each quarter when you use the Platinum Card® to make eligible purchases with Resy, including dining purchases at U.S. Resy restaurants. Enrollment required.
- Digital Entertainment Credit: Receive up to $25 per month in statement credits (up to $300 in statement credits annually) for eligible streaming, news and sports services with participating partners when paid with your Platinum Card®. Enrollment required.
- Platinum Nights by Resy: With Platinum Nights by Resy, you can get special access to reservations on select nights at participating in-demand Resy restaurants with your Platinum Card®. Simply add your eligible Card to your Resy profile to discover and book Platinum Nights reservations.
- Global Dining Access by Resy: Global Dining Access by Resy gives you special access to sought-after restaurants when you add your Platinum Card® to your Resy profile. You can get access to exclusive reservations, premium dining experiences, Priority Notify and more, all from Resy.com or the Resy app.
What’s notable here is how much of the Platinum Card’s® value ties into things you’re likely to spend on during the year. For years, premium cards have leaned heavily on travel benefits. And while that remains a cornerstone, dining, delivery and streaming now sit just as prominently at the table.
Travel Benefits That Deliver Core Value on the Road
While lifestyle and dining benefits add breadth, travel remains the traditional anchor of a premium card’s value. For many Card Members, the Platinum Card® will have its strongest impact during trips, whether it’s a weekend getaway or recurring business trips. Core travel benefits include:
- American Express Global Lounge Collection: With over 1,550 airport lounges—more than any other credit card company on the market as of July 2025—enjoy the benefits of the American Express Global Lounge Collection®. This benefit has an annual value of over $850 and includes access to Centurion Lounges, 10 complimentary Delta Sky Club®visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required) and other select partner lounges.
- Uber Cash: Receive up to $15 in Uber Cash each month (plus a bonus $20 in December) when you link your Platinum Card® to the Uber app, totaling up to $200 annually. Credits can be used for rides or Uber Eats orders in the U.S. when you select an Amex Card for your transaction.
- $120 Uber One Credit: Platinum Card® Members can get up to $120 in statement credits each year after purchasing an auto-renewing Uber One membership with the Card. Terms apply.
- $600 Hotel Credit: Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel® using your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- $209 CLEAR® Plus credit: Get to the fun part faster. Enjoy up to $209 in annual statement credits after you use your American Express Platinum Card® to pay for an auto-renewing CLEAR® Plus Membership. By using unique facial attributes to verify that you are you, CLEAR® Plus helps you get to your gate faster at 50+ airports nationwide.
- $200 Airline Fee credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags, are charged by the airline to your Platinum Card® American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you don’t see a credit for a qualifying incidental purchase on your eligible Card after eight weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
- Fine Hotels + Resorts When you book a trip to one of more than 1,800 Fine Hotels + Resorts® properties through American Express Travel®, you unlock a complimentary suite of benefits worth an average total value of $550* per stay, so you’re on your way to an amazing experience—and even better value—with every trip. *Average value based on Fine Hotels + Resorts bookings in 2024 for stays of two nights. Benefits include daily breakfast for two, room upgrade upon arrival when available, $100 credit towards eligible charges (which vary by property), guaranteed 4 p.m. late checkout, and noon check-in when available. Certain room categories aren’t eligible for upgrade. Actual value will vary based on property, room rate, upgrade availability, and use of benefits.
- Leaders Club Sterling Status: With the Platinum Card®, you can receive complimentary Leaders Club Sterling Status from The Leading Hotels of the World®. Enjoy exclusive benefits such as a 5% Leaders Club points bonus on qualifying stays and five pre-arrival upgrades annually (subject to availability). Enrollment required.
- 5x Points: Earn 5x Membership Rewards® points on flights and prepaid hotels booked through American Express Travel®. You earn 5x points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
Together, these travel benefits can add convenience, comfort and meaningful value.
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5X Reward Rate
5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts®Read More
Welcome Bonus
As High As 175,000 points. Find Out Your Offer.
Annual Fee
$895
Regular APR
See Pay Over Time APR
Credit Score
Good, Excellent
- You may be eligible for as high as 175,000 Membership Rewards® points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
- More Value! With over 1,550 airport lounges – more than any other credit card company on the market* – enjoy the benefits of the Global Lounge Collection®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges. * As of 07/2025.
- More Value! $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
- More Value! $300 Digital Entertainment Credit: Get up to $25 in statement credits each month after you pay for eligible purchases with the Platinum Card® at participating partners. Enrollment required.
- More Value! $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
- New! $400 Resy Credit + Platinum Nights by Resy: When you use the Platinum Card® to pay at U.S. Resy restaurants and to make other eligible purchases through Resy, you can get up to $100 in statement credits each quarter with the $400 Resy Credit benefit. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you, enrollment required.
- More Value! $209 CLEAR® Plus Credit: CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. You can cover the cost of a CLEAR Plus Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR Plus with the Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
- $200 Airline Fee Credit: 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 the Platinum Card® Account*. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
- Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in upon arrival, when available, and guaranteed 4PM check-out.
- New! $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
- $155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card®.*Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
- $100 Saks Credit: Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on the Platinum Card®. That’s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. No minimum purchase required. Enrollment required.
- Whenever you need us, we’re here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
- $895 annual fee.
- Terms Apply.
Balancing a Premium Price With Potential Value
The Platinum Card’s® annual fee[1] may look steep at first glance, but it’s best viewed against the potential value you can access.
To make sure that those credits don’t slip through the cracks, it helps to enroll in eligible benefits early, connect the card to apps like Uber, Resy and your streaming services, and set up simple reminders for seasonal benefits, such as the hotel and Saks credits.
With that alignment in place and a bit of planning to keep credits from going unused, the Platinum Card’s® benefits can add comfort and convenience to both everyday routines and special occasions.
Disclosures
1 For more on Rates and Fees for The Platinum Card®, please visit this page.
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