Amex Platinum
$895/year, earning Membership Rewards Points, on the American Express network.
Card terms last verified against issuer pages on 2026-09-20.
The Amex Platinum is a $895/year card from American Express earning Membership Rewards Points. It earns 5x on hotel (amextravel), 5x on airlines and 1x on everything else. It carries 11 recurring statement credits worth $2,894 a year, listed in full below with the cap and reset date for each.
Welcome bonus
Welcome offers change frequently and are often targeted. Confirm the current offer on the issuer's own application page before applying.
What it earns
Rates are the multipliers American Express advertises. We do not convert them into a percentage return, because that requires putting a price on Membership Rewards Points and that price is a judgement, not a fact — see how we source this.
| Category | Rate | Notes |
|---|---|---|
| Hotel (AmexTravel) | 5x | |
| Airlines | 5x | |
| Other | 1x | Everything else |
Statement credits
$2,894 a year across 11 credits against a $895 annual fee. The columns that matter are the cap and the reset date: a credit paid monthly cannot be saved up, and one that resets on the calendar year expires on 31 December no matter when you opened the card.
Other perks
Benefits that are not dollar statement credits — certificates, lounge visits, point bonuses. Where a value appears it is an estimate, not an amount the issuer credits you, and it is excluded from the credits total above.
| Perk | How often | Estimated value |
|---|---|---|
| Delta Sky Club AccessGet 10 complimentary Delta Sky Club visits per calendar year when you access the Club on a Delta-operated flight. Visits reset each January 1. Guest access may be available for an additional fee. | Once a year | ~$390 |
Status and included memberships
- Centurion Lounge Access — Complimentary access to Centurion Lounges worldwide
- $120 Uber One Membership — Get up to $120 in statement credits each calendar year when you use your Platinum Card to pay for the full cost of an auto-renewing Uber One membership. Unlock discounts on rides and $0 delivery fees on Uber Eats. Enrollment required. Note: Using Uber Cash to pay will make the purchase ineligible for the credit.
- Hilton Honors Gold Status — Complimentary Hilton Honors Gold Status. Enjoy benefits like room upgrades upon check-in when available, bonus points earning, and late checkout.
- Marriott Bonvoy Gold Elite Status — Complimentary Marriott Bonvoy Gold Elite Status. Enjoy benefits like room upgrades upon check-in when available, late checkout, and bonus points earning.
Protections and insurance
Coverage terms below are summaries. Insurance benefits are governed by a separate guide to benefits document from the issuer, and the exclusions in that document are what actually decide a claim.
- Trip Delay Insurance — Up to $500 per covered trip for reasonable additional expenses (meals, lodging, toiletries, medication) when your trip is delayed more than 6 hours. Maximum of 2 covered trips per consecutive 12-month period. Round trip must be purchased entirely with the Platinum Card.
- Trip Cancellation and Interruption Insurance — Up to $10,000 per covered trip and up to $20,000 per 12-month period for non-refundable expenses when a trip is cancelled or interrupted for a covered reason. Trip must be purchased entirely with the Platinum Card.
- Baggage Insurance Plan — Coverage for lost, damaged, or stolen baggage: up to $2,000 per person per trip for checked bags, with a combined maximum of $3,000 for checked and carry-on bags. High-risk items such as jewelry, cameras, and electronics are covered up to $1,000 per person per covered trip. Entire fare must be charged to the Platinum Card.
- Car Rental Loss and Damage Insurance — Secondary coverage for damage or theft of a rental vehicle, up to $75,000 per rental agreement, for rental periods of up to 42 days. You must decline the rental company collision damage waiver and pay with the Platinum Card. Not available in Australia, Italy, and New Zealand. Primary coverage is available separately through the paid Premium Car Rental Protection program.
- Purchase Protection — Covers eligible purchases against accidental damage, theft, or loss for 90 days from the date of purchase. Up to $10,000 per covered purchase and up to $50,000 per eligible card account per calendar year.
- Extended Warranty — Adds up to one extra year of coverage on eligible U.S. manufacturer warranties of 5 years or less, up to $10,000 per item and up to $50,000 per eligible card account per calendar year.
- Return Protection — If a merchant will not accept a return within 90 days of purchase, American Express may refund the full purchase price up to $300 per item and up to $1,000 per card member account per calendar year.
- Cell Phone Protection — Reimburses repair or replacement costs following damage or theft, up to $800 per claim with a maximum of 2 approved claims per 12-month period. A $50 deductible applies to each approved claim. Your cell phone line must be listed on a wireless bill and the prior month bill must have been paid with the Platinum Card.
- Premium Global Assist Hotline — 24/7 hotline for medical, legal, financial, and translation referrals when traveling more than 100 miles from home. Emergency medical transportation and evacuation is provided at no cost when arranged by Premium Global Assist. The cost of medical treatment itself is not covered.
Questions people ask about the Amex Platinum
What is the annual fee on the Amex Platinum?
The Amex Platinum has a $895 annual fee.
What statement credits does the Amex Platinum include?
It carries 11 recurring statement credits worth $2,894 a year in total: $600 Hotel Credit ($300 twice a year, resets on the cardmember year); $400 Resy Credit ($100 quarterly, resets on the cardmember year); $25 Monthly Digital Entertainment Credit ($25 monthly, resets on the cardmember year); $300 Equinox Credit ($300, resets on the calendar year); $300 Lululemon Credit ($75 quarterly, resets on the cardmember year); CLEAR Plus Credit ($209, resets on the calendar year); $200 Airline Fee Credit ($200, resets on the calendar year); $15 Monthly Uber Credit ($15 monthly, resets on the cardmember year); $200 Oura Ring Credit ($200, resets on the calendar year); $12.95 Monthly Walmart+ Credit ($12.95 monthly, resets on the cardmember year); $120 Global Entry/TSA PreCheck Credit ($30, resets on the cardmember year). Verified 2026-09-20.
What does the Amex Platinum earn?
5x on hotel (amextravel), 5x on airlines, 1x on other, and 1x on everything else, in Membership Rewards Points.
Is the Amex Platinum worth the annual fee?
Its recurring statement credits total $2,894 a year against a $895 fee, so the card pays for itself on credits alone if you use 31% of them. Whether that holds depends on whether the specific merchants suit you — the credit table on this page lists each one.
Does the Amex Platinum charge foreign transaction fees?
No — the Amex Platinum has no foreign transaction fee.
Other American Express cards
Amex Blue Cash Everyday
Amex Blue Cash Preferred
