American Express

American Express® Platinum

Limited-Time Offer

Transfers to airlines & hotels

Annual fee

$895/yr

Welcome bonus

~~80,000~~ 175,000 Membership Rewards® Points

Min spend

$12,000 in 6 months

Recommended credit

Excellent (720+)

Apply on American Express site Review

Before you apply: American Express application and welcome-bonus rules →

Offer last verified June 23, 2026. How we verify.

Earning rates

5x points on flights booked direct or via Amex Travel (up to $500k/yr)

5x on prepaid hotels via Amex Travel

Features & benefits

$200 Uber Cash annually ($15/month + $20 in December)

$200 airline fee credit annually

$200 Fine Hotels + Resorts hotel credit

$240 digital entertainment credit ($20/month, Disney+, Hulu, ESPN+, Peacock & more)

$189 CLEAR Plus credit annually

$100 Saks Fifth Avenue credit ($50 semi-annually)

Global Entry or TSA PreCheck application fee credit

Automatic Marriott Bonvoy Gold and Hilton Honors Gold status

No foreign transaction fees

Trip cancellation/interruption insurance and trip delay reimbursement

Baggage insurance, purchase protection, extended warranty

Cell phone protection

Lounge access

The Centurion Lounge and Sidecar by The Centurion Lounge

Priority Pass Select membership, airport lounges only (U.S. Amex cards no longer include Priority Pass restaurants)

Delta Sky Club when flying Delta same-day: 10 visits per year, unlimited after $75,000 in annual spend; no free guests ($50 per guest)

Escape, Plaza Premium, Airspace and other Global Lounge Collection lounges, plus Lufthansa lounges through Sept 30, 2026 (1,550+ lounges across 500+ airports)

Statement credits

$200 Uber Cash annually

$200 airline fee credit annually

$200 Fine Hotels + Resorts credit

$240 digital entertainment credit ($20/month)

$189 CLEAR Plus credit

$100 Saks Fifth Avenue credit ($50 semi-annually)

Global Entry or TSA PreCheck fee credit (~$100)

Transfer partners

Your Membership Rewards transfer directly to airline and hotel loyalty programs, usually at 1:1. That is where transferable points beat flat cash back, because the right award can be worth well over 1 cent each. Major partners include:

Airline partners

Delta SkyMiles, British Airways, Air France/KLM, Singapore Airlines, ANA, Avianca LifeMiles, Emirates Skywards

See exactly what a flight award costs

Stop guessing at point values. Look up the real mileage price and live seat availability for a specific flight.

Search award flights on seats.aero →

Hotel partners

Marriott Bonvoy, Hilton Honors

See what a hotel award costs

Look up the live points price and availability for a specific hotel stay before you book.

Search award stays on rooms.aero →

See the full American Express ecosystem, card lineup, and live transfer bonuses →

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the American Express® Platinum lands.

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