The Platinum Card® from American Express 2026 Review

Mika L.
Written by Mika L.
Financial Content Writer
Mat C.
Edited by Mat C.
Managing Editor & Senior Developer

The Platinum Card® from American Express4.9/5

American Express

Annual fee
$895
Rewards rate
5%-1%
Welcome Bonus
175,000 Membership Rewards points
Apply Now →on American Express's website

  • 5%Points on flights/prepaid hotels booked via Amex Travel
  • 1%Points on all other purchases

Welcome Bonus:

Earn 175,000 Membership Rewards points after spending $8,000 in the first 6 months.

Reward Rate:

Earn 5x points on flights/prepaid hotels booked via Amex Travel and 1x elsewhere.

The Platinum Card® from American Express stands out as the top choice because of its extensive travel and lifestyle perks, including airport lounge access and significant annual credits, making it ideal for frequent travelers seeking luxury benefits.

Pros:

  • Extensive travel and lifestyle perks
  • High rewards on travel bookings

Cons:

  • High annual fee
  • Requires good-to-excellent credit
Apply now →

The Platinum Card® from American Express is best suited for frequent travelers who can take full advantage of its premium benefits, such as extensive travel rewards, airport lounge access, and substantial annual credits. With a high annual fee of $895, it is most beneficial for those who prioritize luxury travel experiences and can offset the cost through its extensive perks.

Frequently Asked Questions