The Platinum Card from American Express
By Alex Compton · Last verified
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.
Apply now or wait?
Apply nowThis is the best public offer this card has ever had. In 8 tracked offers going back to 2016, nothing has beaten 175k.
Current offer
175k
All-time high
175k
Typical offer
90k
In place since
June 2024
Last verified 2026-01-15 · spot an outdated offer? Tell us in the comments.
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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
Lounge Access
This card opens 4 lounge networks. See exactly what you can walk into at your airport with the Lounge Finder.
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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