The Platinum Card from American Express
American Express · Reward Points · Reward Points
This comprehensive guide covers the The Platinum Card from American Express's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The The Platinum Card from American Express from American Express offers reward points rewards redeemable as reward points. Top earning categories include 5x on flights booked directly or via amex travel and more. Cardholders receive lounge access at select airports. Annual fee is $695 (no standard fee waiver; extensive credits offset fee for heavy travelers).
Best for: Travel, General Online, Electronics Accessories, Dining
Official product page → Official rules →
Waiver: No standard fee waiver; extensive credits offset fee for heavy travelers
Reward Rules
- 5 pts/$100 5x on flights booked directly or via Amex Travel (cap: $25,000)
- 5 pts/$100 5x on prepaid hotels via Amex Travel
- 1 pts/$100 1x everywhere else
Important Notes
- 5x flights capped at $500,000 spend per calendar year.
- Prepaid hotel 5x requires booking via Amex Travel and excludes non-prepaid hotel bookings.
- No grocery or dining multipliers — poor choice for everyday spending.
- Numerous statement credits (Uber, Saks, airline, hotel, etc.) in transaction scoring.
Lounge Access
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
The Platinum Card from American Express vs Similar Cards
- Blue Cash Everyday Card from American Express — 3% top rate · $0
- The Business Platinum Card from American Express — Reward Points · $695
- American Express® EveryDay® Credit Card — Reward Points · $0
Maximize Your Rewards
To earn the highest rewards, use the The Platinum Card from American Express for its bonus categories: Travel, General Online, Electronics Accessories, Dining, Grocery.