American Express
The Platinum Card
$895 annual fee
A card is only “good” relative to yourspending. Run your numbers and we'll show this card's honest annual value for you — including the credits you'd actually use and the ones you wouldn't.
See what it's worth for meEarning
- 5x Flights — up to $500,000/yr
- 5x Hotels (booked through the card's travel portal)
- 1x everything else
Credits
- $600 hotel credit ($300 twice a year)
- $400 Resy dining credit ($100 quarterly)
- $300 digital entertainment credit ($25 monthly)
- Uber Cash ($15 monthly)
- $200 airline incidental-fee credit
- Uber One membership credit ($120/yr)
- Walmart+ membership credit (~$155/yr)
- CLEAR+ membership credit (up to $209/yr)
Worth weighing (we don't score these)
- Centurion Lounges + Priority Pass + 10 Delta Sky Club visits/yr. The broadest lounge access of any card — worth a lot to frequent flyers, nothing to others.
- Marriott & Hilton Gold status. Automatic mid-tier hotel status on request.
- Niche merchant credits (Lululemon $300, Oura $200, Equinox $300). Real money if you already shop these brands — we leave them out of the math because most people don't.
- No foreign transaction fees. Use it abroad without the usual ~3% surcharge.
Official card page ↗Details last verified 2026-07-04
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