The Platinum Card® from American Express
American Express Platinum CardPersonalized welcome offer: up to 175,000 MR points
Make $12,000 in eligible purchases within the first 6 months from account opening. Previous holders of Platinum, Schwab/Morgan Stanley Platinum or earlier versions may be ineligible. Your individual reward is disclosed after submitting the application but before accepting the card; it may be below the maximum or no offer may be available. Eligible net purchases on primary and additional cards are combined, after refunds/credits. Fees, interest, travelers checks, prepaid cards/reloads, gift cards, person-to-person transfers and cash equivalents do not qualify. Allow 8–12 weeks after qualification; the account must not be closed or past due at posting. Card-delivery or merchant-submission delays shorten the available period, and payments may take several days to restore spending capacity. Balance transfers, cardholding and account-opening/closing history also affect eligibility. Abuse/returns may result in frozen or reclaimed points and account closure. The offer applies only to the advertising channel shown, is nontransferable and may be changed/withdrawn at any time. No fixed end date is listed; MR values and redemption partners may change, and points are not fixed-value cash.
12-MONTH WELCOME OFFER HISTORY
Past-year welcome offer history and recorded ranges
Maximum points maintained (spending requirement increased to $12k)
Offer last reviewed: (same offer channel; the full history has not been reverified). Browsing date (your device): . The browsing date is not a new verification date. Entries below retain their original recorded dates.
View past-year welcome offer details3 records
Decision considerations
Over the past 1 year, the highest publicly observed offer remained 175,000 points, personalized and dynamic rather than guaranteed for everyone, after $12,000 in spending within the first 6 months. Receiving 175k and being able to meet the spending requirement makes it the best time to apply. With a lower offer, such as 80k–125k, consider waiting or trying a different browsing environment.
| Period | Welcome offer | Spending requirement | Status and notes |
|---|---|---|---|
| 2025/09/14–2026/02/04 | Up to 175,000 points | $8,000 in the first 6 months | Personalized maximum, not guaranteed, after $8,000 in spending within 6 months of approval. |
| 2026/02/05–2026/08 | Up to 175,000 points | $12,000 in the first 6 months | From 2026/02/05, the spending requirement increased by 50% to $12,000. The maximum remained 175,000 points, personalized and not guaranteed. |
| 2026/09/01–present (browsing as of )Original record: 2026/09/01–2026/09/13 (recorded check date, rechecked 2026/09/26)Current record | Up to 175,000 points | $12,000 in the first 6 months | Current offer: a personalized, dynamic maximum of 175,000 points, not guaranteed, after $12,000 in spending within the first 6 months. Some applicants may see different points amounts or no welcome offer. |
Membership Rewards® value calculator
Net purchases on primary and additional cards are combined. Flights must be booked directly with passenger airlines or through Amex Travel; charter/private flights and flights included in tours, cruises or packages are excluded. Hotels must be prepaid through Amex Travel; modifications made directly with the hotel do not earn bonus points. Prepaid vacation rentals through AmexTravel.com separately earn 5X; modifications made directly with the management company do not qualify. This calculator covers only the listed flights, hotels and general purchases, not every travel channel. Cancellations/credits are deducted. Service fees, ticket change/refund fees, hotel incidentals/group bookings/events, interest and cash equivalents are excluded; portions paid with MR points earn no points. Merchant classification and third-party/wallet data may affect bonus eligibility; offers do not stack. The account must remain open, and abuse may result in loss of benefits. MR points do not have a fixed cash value.
Points valuation scenario:
Annual points from regular spending
Total first-year points (including the 175,000-point welcome reward)
Estimated total first-year net value (including the welcome reward, less the annual fee; credits excluded, value not guaranteed)
JavaScript is disabled, so interactive estimates are unavailable. Card conditions and benefits remain readable.
Why consider this card for your wallet?
| Benefit | Amex Platinum Card | Typical cash-back card (1.5%) |
|---|---|---|
| Welcome offer | ✓ Up to 175,000 MR points (personalized offer, not guaranteed; application-page terms apply) | ✗ Typically about $200 cash back |
| Airfare and hotel rewards | Eligible flights earn 5X on the first $500,000 each calendar year, then 1X; prepaid hotels through Amex Travel earn 5X; other eligible purchases earn 1X. | ✗ 1.5% cash back |
| Airport lounges | ✓ Access to 1,550+ lounges worldwide (Centurion, PPS, 10 annual Delta visits and others) | ✗ No complimentary lounge access |
| Hotel elite status | ✓ Hilton Gold (dining credits or continental breakfast) + Marriott Gold Elite | ✗ No hotel status benefits |
| Annual benefit credits | ✓ Up to $2,994 in annual credits (FHR hotels, Resy dining, Uber and others; divided into periods, enrollment required) | ✗ No spending credits |
Rewards and everyday benefits
- $600 Hotel CreditReceive up to $300 per half-year in credits, totaling $600 annually. Only prepaid stays booked through Amex Travel qualify, at Fine Hotels + Resorts® (FHR) or The Hotel Collection (THC, requiring at least 2 consecutive nights). Pay-at-hotel stays do not qualify. Manual enrollment is not required.
- $400 Resy CreditReceive up to $100 per quarter in credits, totaling $400 annually. Enrollment in the Amex account is required. Eligible U.S. Resy restaurants and merchants qualify; from 2026/9/15, eligible online reservations or prepaid purchases on Tock also qualify.
- $320 Uber BenefitsIncludes up to $200 annually in U.S.-only Uber Cash: $15 each month and $35 in December. Unused amounts expire at month-end and do not roll over. Also includes up to $120 annually in Uber One membership-fee credits, requiring the Platinum card as the subscription payment card.
- $300 Digital Entertainment CreditReceive up to $25 monthly in credits, totaling $300 annually. Enrollment is required. Only direct U.S. subscription billing qualifies; in-app purchases through third-party platforms do not. Eligible services include Disney+, Hulu, ESPN+, The New York Times, Peacock, The Wall Street Journal, YouTube Premium and YouTube TV.
- $300 lululemon CreditReceive up to $75 per quarter in credits, totaling $300 annually. Enrollment is required. Purchases at U.S. lululemon stores and lululemon.com qualify; outlets, gift cards and direct international shipping do not.
- $300 Equinox CreditReceive up to $300 annually in credits. Enrollment is required. Eligible Equinox club memberships or standalone Equinox+ app subscriptions qualify. Payment must be billed directly through the Equinox website or official app; third-party app-store purchases do not qualify.
- $300 SoulCycle At-Home Bike CreditReceive up to $300 off or in credits per eligible SoulCycle at-home bike, up to 15 bikes annually and 1 per purchase. Purchase through the dedicated link and meet specified shipping and eligibility conditions.
- $219 CLEAR® Plus CreditReceive up to $219 annually in credits automatically when paying CLEAR Plus membership fees with the Platinum card, for expedited biometric verification at selected U.S. airports. The credit limit is $219; excess costs or family plans are paid out of pocket.
- $200 Airline Fee CreditReceive up to $200 annually in credits. Select one eligible airline in the Amex account in advance. Only that airline's incidental fees, such as checked baggage, seat selection or single-use lounge passes, qualify. Airfare, cabin upgrades, gift cards and airline-mile purchases do not qualify.
- $200 Oura Ring CreditReceive up to $200 annually in credits. Enrollment is required. Only Oura Ring hardware bought from the U.S. website ouraring.com qualifies. Monthly membership subscriptions, separately purchased accessories, gift cards and international shipping fees are excluded.
- $155 Walmart+ Monthly Membership CreditReceive a full monthly credit for Walmart+ monthly membership fees of $12.95 plus applicable taxes, about $155 annually. Only the monthly plan qualifies, not annual membership; extras such as Plus Up are excluded.
- $120 Global Entry or $85 TSA PreCheckReceive a Global Entry application-fee credit of up to $120 once every 4 years, or a TSA PreCheck credit of up to $85 once every 4.5 years. Choose one of the two credits.
- The Global Lounge CollectionAccess to 1,550+ premium airport lounges worldwide, including Centurion Lounge, Priority Pass Select, Delta Sky Club, Escape Lounges and Plaza Premium. • Priority Pass Select requires manual enrollment. Amex-issued PPS membership explicitly excludes non-lounge airport restaurant credits. • Delta Sky Club: from 2025, continuing in 2026, cardholders receive 10 visits per program year, from 2/1 to 1/31 of the following year. Access requires an eligible same-day Delta-operated flight; Basic Economy is excluded. Same-day connections within 24 hours count as 1 visit. Access is for the cardholder only; companions must pay.
- Hilton & Marriott Elite StatusEnroll for complimentary Gold status with two major hotel groups while holding the card; manual registration and linking in the Amex account are required. • Hilton Honors Gold: room upgrades subject to availability, daily food-and-beverage credits at U.S. hotels, and complimentary continental breakfast outside the United States. • Marriott Bonvoy Gold Elite: late checkout at 2 p.m. subject to availability, room upgrades subject to availability excluding suites, and 25% bonus points. Gold Elite does not include complimentary breakfast, which is available only to Platinum status and above.
- Fine Hotels + Resorts® (FHR) PrivilegesBook participating FHR hotels through Amex Travel for premium benefits: guaranteed late checkout at 4 p.m. (guaranteed 4 PM late checkout), complimentary daily breakfast for two, a selected experience credit typically worth $100 per stay for dining or spa, and early check-in at 12 noon and room upgrades subject to availability on arrival.
- Leaders Club Sterling StatusReceive complimentary Sterling status with The Leading Hotels of the World. Enrollment is required.
- Car Rental Privileges & InsuranceReceive elite membership with rental companies including Hertz, Avis and National, such as Hertz Five Star and complimentary vehicle upgrades. Secondary rental collision coverage (CDW) is included. Optional paid enrollment in Premium Car Rental Protection can upgrade to primary coverage.
- Cruise Privileges & Platinum Destinations VacationsBook eligible cruises through Amex Travel for up to $300 in onboard credits; selected vacation packages earn additional MR points.
- Comprehensive Travel InsuranceImportant eligibility reminder: the card's travel insurance and cell phone protection primarily cover U.S. residents. Claims may require proof of a U.S. address, U.S. mobile-phone statements or eligible U.S.-dollar receipts. Even when holding the card, non-U.S. residents or cross-border users may face restrictions or be ineligible for some coverage. Official Guide to Benefits policy terms apply. • Trip delay: a delay exceeding 6 hours due to covered risks may qualify for up to $500 in eligible necessary expenses per trip, with at most 2 claims per 12 consecutive months. Pay the full eligible round-trip fare with this Platinum card, including points redemptions with taxes and fees paid using the card. • Trip cancellation and interruption: qualifying covered reasons such as serious illness or injury may qualify for up to $10,000 per trip and $20,000 per 12 consecutive months. • Baggage insurance: up to $2,000 for checked baggage and $3,000 for carry-on baggage. Limits for New York residents differ under state law. Full fare payment with this card is required.
- Cell Phone ProtectionPhone damage or theft claims: up to $800 per claim, at most 2 claims per 12 months, with a $50 deductible per claim. • Requirement: pay the full monthly wireless-phone bill with this Platinum card in the month before the incident. • Exclusions: only theft or accidental damage, such as a cracked screen, qualify. Ordinary wear, mysterious disappearance and purely cosmetic damage are excluded.
- Shopping ProtectionsPurchase protection: eligible purchases stolen, accidentally damaged or lost within 90 days may qualify under the terms. Limits are $10,000 per item and $50,000 per card per calendar year, with a $500 limit per natural-disaster occurrence. Eligible payment amounts, replacement costs and exclusions apply; not every item is covered. Extended warranty: the original written manufacturer warranty must be valid in the United States, and its combined term with any applicable service contract must not exceed 60 months. Eligible purchases may receive up to 12 additional months, limited to $10,000 per item and $50,000 per card per calendar year. Eligible payments, replacement costs and exclusions apply; this is not general accidental-damage coverage. Separate duration rules apply if the original warranty or service contract ends early. Return protection: items purchased in full with the eligible card in the United States and regions listed in the guide may qualify if the merchant refuses a return within 90 days. Limits are $300 per item and $1,000 per account per calendar year; a refund is not guaranteed. Items must remain in their original purchased condition and function normally. Shipping and handling are excluded, and product exclusions and claim deadlines apply.
- Global Dining Access & Platinum Nights by ResyLink a Resy account to unlock exclusive reservations at popular restaurants and VIP experiences.
- Venue Collection & Amex Special Ticket AccessAccess event ticket presales and dedicated entry or dining discounts at selected stadiums and arenas.
Frequently asked questions and card tips
The Platinum annual fee is $895. The card offers up to $2,994 annually in credits, including $600 for hotels, $400 for Resy dining, $320 for Uber, $300 for digital entertainment, $300 for lululemon, $300 for Equinox, $219 for CLEAR+ and $200 for airline incidental fees. These benefits are highly divided across months or quarters, require manual enrollment, and have merchant and usage restrictions.
Frequent long-haul travelers who stay at luxury hotels and whose regular spending closely matches credit merchants can readily cover card costs through FHR benefits, lounge access and credits. With less frequent travel, everyday points earning alone may not cover the fee. Before applying, inventory the benefits you can consistently use.
MR points' core advantage is flexible 1:1 transfers to airline and hotel partners, such as ANA, Cathay Pacific Asia Miles, Air Canada Aeroplan, Singapore Airlines and British Airways.
Transfers to eligible airline programs for international long-haul Business or First Class tickets can often produce potential redemption values of 1.5¢ to 2.0¢ or more per point. Direct statement redemption through Cover Your Charges gives only about 0.6¢, offering poor value. Actual mileage redemption value depends on award-seat availability and the airline program's dynamic taxes and fees.
Find both enrollment links on the Card Benefits page in the official American Express app or web account. Link your existing loyalty membership numbers to register; activation typically takes a few business days.
• Hilton Gold: daily food-and-beverage credits at U.S. hotels, complimentary daily continental breakfast outside the United States, and room upgrades subject to availability.
• Marriott Gold: late checkout at 2 p.m. subject to availability, room upgrades subject to availability excluding suites, and 25% bonus points. Marriott Gold does not include complimentary breakfast, which is available only to Platinum Elite and above.
American Express Platinum offers two authorized-user tiers:
1. Paid Additional Platinum Card, currently $195 per card annually: separate lounge access including Centurion and PPS, separate Hilton Gold and Marriott Gold enrollment eligibility, and a separate Global Entry or TSA PreCheck application-fee credit of up to $120 every 4 years.
2. Complimentary Companion Platinum Card: a spending card only, without premium travel benefits such as lounge access or hotel Gold status.
Shared benefits: all annual spending credits, including $600 for hotels, $400 for Resy, $320 for Uber, $300 for digital entertainment and $200 for airline incidentals, are shared across the entire primary and additional-card account. Additional-card spending counts toward the primary account limit; extra cards do not double credits.
