The Platinum Card from American Express
The lounge king. The 2025 refresh raised the fee, and doubled down on credits.
Welcome Bonus
175,000
≈$3,500 value
Spend Requirement
$8,000
in 6 months
Annual Fee
$895
No FTF
Credit Score
740+
(Excellent)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-01-15 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 5xFlights booked direct or via Amex Travel (up to $500k/yr)
- 5xPrepaid hotels via Amex Travel
- 1xAll other purchases
Credits ($2,275/yr stated)
- Hotel credit$600
$300 semiannually, FHR / The Hotel Collection
- Resy dining credit$400
$100 quarterly
- Digital entertainment credit$300
$25 monthly
- Lululemon credit$300
$75 quarterly
- Airline fee credit$200
One selected airline
- Uber Cash$200
$15/mo + $20 December bonus
- Walmart+ membership credit$155
- Uber One membership credit$120
Benefits
- ✦Centurion Lounges, Delta Sky Clubs (when flying Delta), Priority Pass, Plaza Premium
- ✦Marriott + Hilton Gold status
- ✦Global Entry / TSA PreCheck credit
- ✦Fine Hotels + Resorts elite-like benefits
- ✦Transfers to ~20 airline/hotel partners
Why it earns its spot
- +Best lounge access in the industry, full stop
- +175k welcome offers are worth $3,500+ in transfers
- +Hotel status and FHR perks on every stay
Where it costs you
- −$895 fee is brutal if you ignore the coupon book
- −1x on everyday spend, this is not a daily driver
- −Credits are heavily enrollment- and merchant-gated
The Compound Verdict
Treat it as a membership, not a credit card. Fly a few times a year through lounge-served airports, use the hotel and Resy credits naturally, and it pays for itself before the bonus. Put everyday spend elsewhere.
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