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American Express · Credit cards

The Platinum Card from American Express

The ultimate luxury travel lifestyle card with comprehensive Centurion Lounge access and over $1,500 in annual credits.

Annual fee

$695/yr

10 attributes tracked

Catalog as of September 1, 2026

Not financial advice. Annual fees, APRs, bonuses and credits change. Confirm current terms with the issuer before you apply.

Annual fee

$695

Rewards rate

5X flights booked directly with airlines or via AmexTravel (up to $500k/yr), 5X prepaid hotels, 1X other

What it does well

  • Unrivaled Global Lounge Collection (Centurion Lounges, Delta Sky Clubs, Priority Pass)
  • 5X Membership Rewards points on flights booked directly with airlines or Amex Travel
  • Over $1,500 in annual statement credits (Hotel, Airline fee, Digital entertainment, Uber Cash, Saks)

Where it gives ground

  • Steep $695 annual fee
  • Only 1X points on everyday non-travel purchases

Compare it head to head

The fastest way to decide is against the product you are actually cross shopping. Showing 4 of 15 published matchups.

Credit cards6 differing specs

American Express Gold Card

$325/yr

The Platinum Card from American Express

$695/yr

The Platinum Card from American Express leads on 2 of 3 rankable specs, but American Express Gold Card saves $370 a year.

See the breakdown
Credit cards8 differing specs

The Platinum Card from American Express

$695/yr

Blue Cash Everyday Card from American Express

$0/yr

Evenly split on rankable specs, so price and taste decide it.

See the breakdown
Credit cards8 differing specs

The Platinum Card from American Express

$695/yr

Blue Cash Preferred Card from American Express

$95/yr

Evenly split on rankable specs, so price and taste decide it.

See the breakdown
Credit cards8 differing specs

The Platinum Card from American Express

$695/yr

Bilt World Elite Mastercard

$0/yr

Evenly split on rankable specs, so price and taste decide it.

See the breakdown

Full specifications

Fees & Rates

Annual fee
$695
Regular APR
Pay Over Time APR: 21.24% – 29.24% Variable
Foreign transaction fee
None (0%)
Late fee
Up to $40

Rewards & Perks

Rewards rate
5X flights booked directly with airlines or via AmexTravel (up to $500k/yr), 5X prepaid hotels, 1X other
Sign-up bonus
80,000 Membership Rewards points after $8,000 spend in first 6 months
Intro APR offer
None (Pay Over Time feature optional)
Lounge access
Yes (Centurion Lounges, Priority Pass Select, Delta Sky Club, Escape Lounges, Plaza Premium)

Card Details

Credit neededOur summary
Good to Excellent (700–850)
Network
American Express
Card figures are from issuer materials and go stale. Credit-needed bands are our summary.Official The Platinum Card from American Express terms (opens in a new tab)

Credit-card figures are from issuer materials and go stale. This is not an offer to lend, not financial advice, and not a recommendation to apply. Verify every fee, APR, bonus and credit on the issuer's site.

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Frequently asked

How much does The Platinum Card from American Express cost?

The Platinum Card from American Express has an annual fee of $695/yr (catalog snapshot as of 2026-09-01). This is based on published issuer terms and is not a live financial offer.

What are The Platinum Card from American Express’s key specs?

Key specifications for The Platinum Card from American Express include annual fee ($695) and rewards rate (5X flights booked directly with airlines or via AmexTravel (up to $500k/yr), 5X prepaid hotels, 1X other).

What does The Platinum Card from American Express compare against?

The Platinum Card from American Express is compared head to head against American Express Gold Card vs The Platinum Card from American Express, The Platinum Card from American Express vs Blue Cash Everyday Card from American Express, The Platinum Card from American Express vs Blue Cash Preferred Card from American Express, The Platinum Card from American Express vs Bilt World Elite Mastercard, The Platinum Card from American Express vs Capital One SavorOne Cash Rewards, and The Platinum Card from American Express vs Capital One Venture X Rewards.