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All cards / American Express
American Express
American Express Platinum
CardMath coverage focuses on high-fee arithmetic, listed credits, access benefits, restrictions, and the assumptions required before subtracting benefits from a fee. Current product numbers stay gated by verification.
Verified product data
Current facts in the source-of-truth
Verified 2026-08-26
- Annual fee
- $895
- Rewards
- 5x flights booked directly with airlines or through Amex Travel up to $500,000 per year; 5x prepaid hotels through Amex Travel; 1x other eligible purchases.
- Key credits
- Up to $600 hotel, $400 Resy, $300 digital entertainment, $300 lululemon, $300 Equinox, $219 CLEAR+, $200 airline-fee, $200 Uber Cash, $200 Oura Ring, $155 Walmart+, and $120 Uber One credits. Enrollment, timing, merchant, and booking restrictions apply.
- Welcome offer
- As high as 175,000 Membership Rewards points after $12,000 in purchases in the first 6 months.
- APR / fee notes
- 19.49%–28.49% variable APR on eligible Pay Over Time charges.
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What CardMath examines
The math and rules, not a verdict
- High-fee structure and the listed credits in the guide
- Access benefits as written, including guest rules
- Fee versus credits as arithmetic, not a personal value judgment
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