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American ExpressEditor's PickLast verified: February 2026
The Platinum Card® from American Express
Luxury travel card with exceptional lounge access, hotel benefits, and premium travel credits.
on American Express's secure site
Welcome Bonus
125,000 points
Annual Fee
$695
Base Rewards
1x
APR
21.24% - 28.24%
Card Details at a Glance
Last verified: February 2026IssuerAmerican Express
Card CategoryTravel
Annual Fee$695
Regular APR21.24% - 28.24% (Variable)
Foreign Transaction FeeNone
Base Rewards Rate1x on all purchases
Credit Score NeededExcellent (750+)
Welcome Bonus125,000 points (spend $6,000 in 6 months)
Pros & Cons
Pros
- Generous 125,000 points welcome bonus (worth ~$1250)
- No foreign transaction fees
- Up to 5x rewards on flights, prepaidHotels
- 5x points on flights and prepaid hotels
- $200 airline fee credit
Cons
- $695 annual fee (premium pricing)
- High ongoing APR range (up to 28.24%)
- Requires excellent credit (750+) for approval
- High spending requirement ($6,000) for welcome bonus
Who Is This Card Best For?
This card is ideal for the following types of cardholders:
Frequent travelers who want to earn and redeem travel rewards
High spenders who can maximize premium travel benefits
International travelers who make purchases abroad
Experienced credit users with excellent credit history
Card Overview
Luxury travel card with exceptional lounge access, hotel benefits, and premium travel credits.
Rewards at a Glance
flights5x
prepaidHotels5x
Everything else1x
Key Highlights
- 5x points on flights and prepaid hotels
- $200 airline fee credit
- $200 hotel credit
- Global lounge access (Centurion, Priority Pass, Delta)
- Marriott Gold and Hilton Gold status
Like what you see?
Apply for the The Platinum Card® from American Express directly on American Express's secure website.
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Ready to Apply?
Welcome Bonus
125,000 points
Spend $6,000 in 6 months
Estimated value: ~$1250
Secure application on American Express's site
783 people applied this week
Key Benefits
- 5x points on flights and prepaid hotels
- $200 airline fee credit
- $200 hotel credit
- Global lounge access (Centurion, Priority Pass, Delta)
- Marriott Gold and Hilton Gold status
Why Trust Our Review?
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Updated 2026-02-10
All rates, fees, and bonus offers are subject to credit approval and may change without notice. Please verify current offers on issuer websites.