American Express Platinum

Annual fee

$895 annual fee; no introductory annual-fee waiver shown. Each Additional Platinum Card is $195; Companion Platinum Cards have no annual fee.

Rewards

5X Membership Rewards points on flights booked directly with airlines or through American Express Travel on up to $500,000 per calendar year; 5X on prepaid hotels booked through American Express Travel; 1X on other purchases.

Welcome offer

Amex's card page doesn't list a fixed welcome offer for this card. Any offer is shown to you individually before you accept the Card, offers vary, and you may not be eligible for one.

APR / fee notes

Pay Over Time APR 19.74%–28.74% variable on eligible charges. No intro APR shown. Foreign transaction fee: none. Additional Platinum Card annual fee $195.

Perks, as listed by American Express

• Hotel Credit

  up to $300 semi-annually ($600/year)

  on prepaid Fine Hotels + Resorts or The Hotel Collection bookings through American Express Travel; Hotel Collection requires 2+ nights

• Uber Cash

  $15/month plus $20 in December ($200/year)

  after adding the Card to your Uber account; used on U.S. rides and orders when an Amex Card is selected for the transaction

• Uber One Credit

  up to $120/calendar year

  after buying an auto-renewing Uber One membership with the Card

• Airline Fee Credit

  up to $200/calendar year

  for incidental fees with one selected qualifying airline; enrollment/airline selection required

• CLEAR+

  up to $219/calendar year

  after signing up and paying for an auto-renewing CLEAR+ membership with an eligible American Express Card

• Resy

  up to $100/quarter ($400/year)

  for eligible purchases with Resy paid with the Card, including at qualifying U.S. Resy restaurants; enrollment required

• Digital Entertainment

  up to $25/month ($300/year)

  for eligible purchases paid with the Card at participating partners; enrollment required

• lululemon

  up to $75/quarter ($300/year)

  for eligible purchases with the Card at U.S. lululemon retail stores (excluding outlets) and lululemon.com; enrollment required

• Walmart+

  up to $12.95 plus applicable taxes/month

  on one monthly Walmart+ membership (subject to auto-renewal) paid with the Card

• Equinox

  up to $300 in statement credits each calendar year

  for an Equinox club membership or Equinox+ digital subscription paid with the Card (subject to auto-renewal), enrollment required

• Oura Ring

  up to $200 in statement credits each calendar year

  for an Oura Ring bought at ouraring.com with the Card, enrollment required

Benefit terms state statement credits may take up to 8 weeks.

Verified 2026-10-04

What CardMath examines

The math and rules

• High-fee structure and the listed credits in the guide
• Access benefits as written, including guest rules
• Fee versus credits as arithmetic