Amex Platinum card: Benefits, rewards and how to apply

The Platinum Card® from American Express is a premier charge card designed for individuals seeking luxury travel experiences and exclusive lifestyle privileges. Renowned for its comprehensive suite of benefits, this card offers exceptional value to those who frequently travel and enjoy premium services. From access to elite airport lounges to generous rewards on travel purchases, the Platinum Card is tailored to elevate your journeys and your everyday life.

Benefits

The Platinum Card is packed with features that bring real value to frequent travelers and lifestyle enthusiasts. Here are some of the top benefits:

• Welcome bonus: Earn 80,000 Membership Rewards® points after spending $8,000 in the first 6 months
• 5X points on flights booked directly with airlines or via Amex Travel (up to $500,000/year)
• 5X points on prepaid hotels booked via AmexTravel.com
• 1X point on all other eligible purchases
• $200 airline fee credit for incidental expenses (enrollment required)
• $200 hotel credit for bookings made through Fine Hotels + Resorts or The Hotel Collection
• $200 Uber Cash annually for rides or Eats orders ($15/month + $20 in December)
• $240 digital entertainment credit for select streaming services
• $300 Equinox credit annually (enrollment required)
• Walmart+ credit covering full membership cost
• Access to over 1,400 airport lounges worldwide
• Gold status with Marriott Bonvoy and Hilton Honors (enrollment required)
• Car rental privileges with Avis, Hertz, and National
• $189 CLEAR® membership credit
• Global Entry or TSA PreCheck® fee credit

Prerequisites

To apply for the Platinum Card, you must:

• Be at least 18 years old
• Have a valid Social Security Number (SSN) or ITIN
• Have good to excellent credit (typically 690+ FICO score)
• Provide income and personal information during application

About American Express

Founded in 1850, American Express is one of the most respected financial services companies in the world. Known for premium credit and charge cards, Amex also offers personal banking, travel services, and business financing. With a strong reputation for customer service and exclusive member perks, American Express stands out as a trusted brand for both everyday and luxury financial needs.

Who is this card for?

The Platinum Card® from American Express is designed for individuals who live a dynamic lifestyle and expect more from their credit card—especially when it comes to travel, luxury, and service. It’s an excellent choice for frequent flyers and business travelers who are regularly in and out of airports and can fully utilize perks like Global Lounge Collection access, priority security screening, and airport fee credits.

It’s also ideal for those who frequently stay at high-end hotels or use premium rideshare services such as Uber or Lyft. With annual credits for both travel and lifestyle expenses, the card offers serious value to cardholders who can take advantage of them consistently.

If you value exclusive experiences, elite hotel status, concierge services, and personalized travel support, this card delivers. It’s not just about earning points—it’s about enhancing the entire travel experience from start to finish.

For those who enjoy curated luxury, seamless travel, and top-tier customer support, The Platinum Card fits like a glove. However, it’s best suited for those who plan to actively use its many benefits—otherwise, the high annual fee may not be justifiable.

What rewards and programs does it offer?

The Platinum Card® from American Express is part of the Membership Rewards® program, one of the most flexible and valuable rewards ecosystems in the credit card industry. You’ll earn points on virtually every purchase, with elevated rates on specific categories, and have multiple ways to redeem them based on your lifestyle and preferences.

Here’s how it works:

• Earn 5X Membership Rewards® points on flights booked directly with airlines or via Amex Travel (up to $500,000 annually).
• Earn 5X points on prepaid hotels booked through AmexTravel.com.
• Earn 1X point on all other eligible purchases.

Once accumulated, points can be redeemed for travel, shopping, dining, or statement credits. But where the program really shines is in its transfer partners. You can transfer your points—usually at a 1:1 ratio—to over 20 airline and hotel partners, including Delta SkyMiles, British Airways Avios, Air France Flying Blue, Emirates Skywards, Marriott Bonvoy, and Hilton Honors.

This opens the door to premium redemptions like business or first-class flights, luxury hotel stays, and more. Plus, Amex often runs transfer bonuses, allowing you to squeeze even more value out of your points.

Additionally, Membership Rewards points never expire as long as your account remains open and in good standing—giving you the freedom to save up for big redemptions on your terms.

Initial credit limit

The Platinum Card is a charge card, so it doesn’t have a preset credit limit. That doesn’t mean unlimited spending—your purchases are approved based on:

• Spending patterns
• Credit history
• Income and financial profile

Over time, responsible use can increase your purchasing power.

Step-by-step: how to apply

Applying for The Platinum Card® from American Express is simple, but it’s important to be prepared and understand the process fully before starting. Here’s a complete guide to help you through each step:

1. Visit the official American Express website: Go to the Platinum Card page at website to view the card details and application form.
2. Click on “Apply Now”: This will take you to a secure page where you’ll begin the application process.
3. Enter your personal information: You’ll need to provide your full legal name, date of birth, Social Security Number (or ITIN), home address, phone number, and email address.
4. Add your financial details: This includes your annual income, source of income, and sometimes your housing expenses. This helps Amex determine your eligibility.
5. Review terms and conditions: Make sure to read the terms, especially regarding fees, interest policies, and rewards structure.
6. Submit your application: Once everything looks good, hit submit. You may receive an instant decision, or you might be notified via email within a few days.
7. Receive and activate your card: If approved, your card will arrive by mail within 7–10 business days. You’ll need to activate it online or by phone to start using it.

Taking the time to fill out your application carefully and accurately improves your chances of approval and ensures a smoother experience.

TAP TO ACCESS THE CARD PAGE

Pros and cons

Pros

• Premium travel and lifestyle perks
• Huge welcome bonus
• 5X rewards on flights and hotels
• Lounge access and elite hotel status
• High-value annual credits

Cons

• $695 annual fee
• Some perks require enrollment
• No intro APR; balances must be paid in full
• Best suited for frequent travelers

How to unlock the card

Once your Platinum Card arrives:

1. Go to americanexpress.com/confirmcard
2. Log in or create an Amex account
3. Enter your card details
4. Follow the on-screen steps to activate

You can also activate by calling the number on the sticker.

Fees and tariffs

Here’s what to expect in terms of costs:

• Annual fee: $695
• APR: Not applicable (pay in full each month)
• Late payment fee: Up to $40
• Returned payment: Up to $40
• Cash advance fee: $10 or 5% (whichever is greater)
• Foreign transaction fee: $0

Customer service

Need help? You can reach Amex through:

• Phone: 1-800-528-4800
• Website
• Mobile App: iOS and Android
• Chat: Available via secure login
• Mail:
  American Express
  P.O. Box 981535
  El Paso, TX 79998-1535