A Guide to the AmEx Platinum Credit Card: Is It Really Worth the Hype?


What is the sign-up bonus?

The AmEx Platinum card offers a sign-up bonus of 100,000 Membership Reward points after you spend $6,000 on purchases in the first 6 months of account opening.

What are its benefits?

The AmEx Platinum card has a shiny list of benefits, making it one of the most valuable premium credit cards available.

Travel Benefits

  1. $200 annual airline fee credit: Use this credit to cover things like checked bags, in-flight purchases, and other incidental fees when you book your flight with your AmEx Platinum card.
  2. Global Lounge Collection: Access over 1,300 airport lounges in 140 countries, including the Centurion Lounges, Priority Pass, and Delta Sky Club lounges.
  3. Hotel benefits: Get complimentary room upgrades, daily breakfast for two, and other perks at over 1,000 hotels and resorts around the world when you book through the AmEx Fine Hotels & Resorts program. You also receive complimentary Gold status in Marriott Bonvoy and Hilton Honors programs.
  4. Uber credits: Receive up to $200 in Uber credits each year, split into $15 monthly credits, to use for rides or Uber Eats orders in the U.S.
  5. CLEAR: Get $189 towards CLEAR memberships every year when you use your card and breeze through security at 45+ airports nationwide.

Shopping Benefits

  1. $100 Saks Fifth Avenue credit: Get up to $100 in statement credits each year when you make eligible purchases at Saks Fifth Avenue (credited as $50 per 6 months).
  2. Membership Rewards points: Earn 5X points on flights and prepaid hotels booked through AmEx Travel, and 1X points on all other purchases.
  3. Purchase protection: Get extended warranty protection and protection against theft or accidental damage on eligible purchases made with your AmEx Platinum card.
  4. AmEx Offers: Access exclusive offers from a wide range of merchants and retailers, including dining, travel, and shopping.

Lifestyle Benefits

  1. Fine Dining: Enjoy exclusive access to reservations and experiences at some of the world’s best restaurants through the Global Dining Collection.
  2. Digital Entertainment: With $240 credit ($20 statement credit each month), experience the latest shows, audiobooks, music, and more when you use your Platinum Card to make eligible purchases on Audible, Disney+, ESPN+, and much more.
  3. Walmart+ membership: Use your Platinum card to pay for your monthly Walmart+ subscription and receive a statement credit that covers the full cost of the membership every month.

Is this card worth the annual fee?

The AmEx Platinum card comes with a hefty annual fee of $695.

Who is this card for?

If you are a frequent traveler and enjoy luxury travel perks, then the AmEx Platinum card is an excellent choice for you.

Final Thoughts

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