The Platinum Card from American Express review

The Platinum Card has the biggest lounge benefit on this list, and the highest fee. American Express charges $895 a year for the Basic Card and $195 for each Additional Platinum Card. The Global Lounge Collection covers over 1,550 airport lounges, including Centurion Lounges, 10 Delta Sky Club visits when flying an eligible Delta flight, and Priority Pass membership with enrollment. Earning is narrow: 5X points on flights booked directly with airlines or through American Express Travel on up to $500,000 a year, 5X on prepaid hotels through American Express Travel and 1X on everything else. The credits are long: up to $600 a year on prepaid Fine Hotels + Resorts or The Hotel Collection stays, paid as up to $300 twice a year, up to $200 in airline incidental fee credits, up to $200 in Uber Cash, up to $219 for CLEAR+ and up to $400 at Resy restaurants. Card Members also get Marriott Bonvoy Gold Elite and Hilton Honors Gold status. The value depends on using many split credits.

Who it is for

Frequent flyers who want the most lounge options and will use hotel, airline, Uber and dining credits.

Price

$895 annual fee for the Basic Card; $195 for each Additional Platinum Card.

The annual fee for the Platinum Card ® is $895
Quoted from the vendor pricing page on November 8, 2026.

Key features

• Global Lounge Collection with over 1,550 airport lounges, including Centurion Lounges and Priority Pass
• 5X points on flights booked directly with airlines or through American Express Travel, on up to $500,000 a year
• Up to $600 a year in hotel credits on prepaid Fine Hotels + Resorts or The Hotel Collection stays
• Up to $200 in airline fee credits and up to $219 in CLEAR+ credits per calendar year
• Marriott Bonvoy Gold Elite and Hilton Honors Gold status

Strengths and weaknesses

• Strength: The largest lounge network of any card here
• Strength: 5X on flights booked direct with airlines
• Strength: No foreign transaction fees and elite hotel status
• Weakness: $895 annual fee is the highest on the list
• Weakness: Many credits are monthly, quarterly or semi-annual and need enrollment
• Weakness: 1X on purchases outside flights and prepaid hotels

Key facts

• Annual fee: $895; $195 per Additional Platinum Card
• Lounge access: Over 1,550 lounges in the Global Lounge Collection
• Flight earning: 5X on up to $500,000 a year
• Hotel credit: Up to $300 semi-annually on eligible prepaid stays
• Foreign transaction fee: None

Where it ranks

The Platinum Card from American Express is No. 8 in our Best Travel Credit Cards verdict.