American Express Platinum Card 2026 Review

The annual fee for the American Express Platinum Card is $895. This fee is associated with the premium benefits and rewards offered by the card.

The welcome bonus for the American Express Platinum Card is up to 175,000 Membership Rewards points after spending $8,000 in the first 6 months. This bonus can provide significant value for new cardholders.

The American Express Platinum Card offers a reward rate of 5% on travel-related purchases and 1% on other purchases. This makes it a strong choice for frequent travelers looking to maximize their rewards.

You will need good to excellent credit to be considered for the American Express Platinum Card. Factors such as payment history and debt-to-income ratio will also be evaluated during the application process.

The American Express Platinum Card provides access to over 1,550 airport lounges through the Global Lounge Collection, which can offer more than $850 in annual value. Additionally, it offers a variety of travel benefits that enhance the travel experience.

With an annual fee of $895, the American Express Platinum Card offers valuable benefits that may justify the cost, especially if they align with your spending habits. Frequent travelers may find the rewards and perks particularly beneficial.

There is no published income requirement for the American Express Platinum Card, but having a higher income can improve your chances of approval. It's best to ensure your credit profile is strong when applying.