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American Express

American Express Platinum

AMERICAN
EXPRESS

🇺🇸 United States · American Express

American Express Platinum

Name: American Express Platinum
Brand: American Express

Heavy travelers wanting Centurion Lounge access + status credits.

4.6 / 5

Joining fee

Annual fee

$895

Top reward

Min income

None stated

Apply at American Express ← Back to all cards

External link to American Express’s own application page.

The American Express Platinum costs $895 a year. It earns 5% on travel and 1% on everything else. Forex markup is 0%. These figures are from our catalog and have not yet been re-verified against the issuer.

5-year value calculator

How much American Express Platinum actually pays you over time, net of annual fees.

Your monthly spend$1,500

Includes 40% in this card's boost category, 60% general spend.

Annual rewards$468

Annual fee−$895

Welcome bonus (year 1 only)+$8,000

Cumulative net value

+$5,865

over 5 years

Year 1

$7,573

+$7,573/yr

Year 2

$7,146

$-427/yr

Year 3

$6,719

$-427/yr

Year 4

$6,292

$-427/yr

Year 5

$5,865

$-427/yr

Year 1 (with bonus)

$7,573

Year 2+ (steady state)

$-427/yr

Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.

What does the American Express Platinum earn?

What you earn back, by category.

travel

📈

Everything else

📈

🎁

Welcome bonus

80,000 Membership Rewards points after $8,000 in 6 months

What do you get with the American Express Platinum?

5x points on flights booked direct or via amextravel
Centurion Lounge + Priority Pass + Delta SkyClub access
$200 annual airline fee credit + $200 Uber Cash
$200 hotel credit + $189 CLEAR credit
Marriott Bonvoy Gold + Hilton Honors Gold status
No foreign transaction fees

Who qualifies for the American Express Platinum?

These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.

Min annual income

No stated requirement

Min credit score

720+

Self-employed

Eligible

Points value

What 1 American Express Platinum point is actually worth

Best redemption is 2.4× the worst

Same points, wildly different values depending on redemption. Most cardholders default to the boring option and never see the upside. Here's the full ladder for American Express Platinum: