American Express · Amex
American Express Platinum
Annual Fee
$895
up to $2994/yr in credits if you use them
Sign-Up Bonus
$2,625
Current offer shown; issuer determines eligibility.
Spend $12,000 in 6mo
Terms apply.
Base Rate
1x
on everything
Best For
Travelers who'll use the airline, hotel, dining & lifestyle credits ($3,500+ advertised value)
Sign-Up Bonus
Bonus: 175,000 points
Details: As high as 175,000 Membership Rewards points after $12,000 spend in 6 months. Amex welcome offers are targeted/vary by applicant (NLL) — many see a lower offer or none.
Requirement: Spend $12,000 in 6 months
Estimated value: $2,625Terms apply. Current offer shown; issuer determines eligibility.
Reward Categories
Flights booked directly or via Amex Travel (up to $500k/yr)
Prepaid hotels booked via Amex Travel
Point value: ~1.5¢ each
Key Benefits
Credits — if you use them
Add card to Uber app → up to $200/yr Uber Cash for U.S. rides & eats, auto-loads monthly
Up to $120/yr in statement credits for an auto-renewing Uber One membership paid with the card
Select one airline → up to $200/yr in baggage & incidental fee credits
Up to $600/yr in statement credits on prepaid FHR or Hotel Collection stays via Amex Travel
Up to $100/quarter at U.S. Resy restaurants — enrollment required
Up to $300/yr at participating partners — enrollment required
Up to $300/yr in statement credits at lululemon — enrollment required
Up to $200/yr in statement credits toward an Oura Ring & membership
Up to $300/yr toward an Equinox or Equinox+ membership — enrollment required
Up to $12.95/mo statement credit covers a Walmart+ membership
Up to $219/yr covers a CLEAR Plus membership (CLEAR+ price rose 2026-07-01; credit raised to match)
Perks (not counted in our math)
Centurion Lounges, Priority Pass, Delta Sky Club (when flying Delta) & partner lounges
Statement credit for the application fee every 4–4.5 years; shown at its ~$30/yr annualized value
Complimentary mid-tier elite status at both chains — enroll via Amex
Pros & Cons
Pros
- + Global Lounge Collection — Centurion + Priority Pass + Delta Sky Club access
- + Deep credit stack (hotel, airline, Resy, CLEAR, Uber, Equinox, lululemon, Oura)
- + Hotel elite status
- + Premium travel insurance
Cons
- - Very high annual fee
- - Credits require enrollment + specific spend to realize
- - 5x only on flights & prepaid hotels — 1x everything else
Transfer Partners
Points transfer to 8 airline and hotel partners — often where the highest redemption values live.
Rates and fees may vary.See current rates, fees, and terms on American Express's site
Recommended credit score: 720+
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
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Written by Tim · Data verified against issuer terms · Last checked Sep 14, 2026 · Methodology v2026.09.1
Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.