How Does LendingTree Get Paid?
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
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Advertising Disclosure
LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).

Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
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American Express Disclosure
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

American Express Disclosure

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

The Platinum Card® from American Express Review

The Platinum Card<sup>®</sup> from American Express
Welcome Offer
Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership.
Rewards Rate
5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel on up to $500,000 on these purchases per calendar year and 5X Membership Rewards® points on prepaid hotels booked with American Express Travel. Terms apply.
Extra Perks
$200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It was not reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

The information related to the The Platinum Card® from American Express has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.

Our take: The Platinum Card® from American Express is a valuable card for frequent travelers who can use the card’s bounty of benefits, including airport lounges, hotel elite status and more.

Pros and cons

  • Generous welcome offer
  • High rewards rate
  • Several travel credits
  • Wellness and entertainment credits
  • Complimentary hotel elite status
  • Global airport lounge access
  • Annual fee
  • May have to pay balance in full
  • Low rewards earning rate on non-travel purchases
  • Limited acceptance internationally

Is The Platinum Card® from American Express worth it?

The Platinum Card® from American Express is one of the most coveted luxury cards among frequent travelers — and for good reason.

This card provides one of the best earning rates on travel, offers an extensive amount of travel and shopping credits and provides several types of travel insurance. It also offers airport lounge access, hotel elite status (enrollment required) and much more, making it a great asset for serious travelers. It does have a high $695 annual fee, but its benefits — including more than $1,500 worth of credits — can make it more than worth its annual fee each year.

However, those who don’t travel often enough to take advantage of all of the card’s benefits may be better off with a no or low annual fee travel card or even a cash back card.

To see rates & fees for The Platinum Card® from American Express please click here.

Quick facts

    • Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
    • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
    • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
    • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal. Enrollment required.
    • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
    • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
    • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
    • $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
    • $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
    • $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
    • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
    • $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
    • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
    • $695 annual fee.
    • Terms Apply.
  • Recommended Credit
    Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
  • 660 720 850
    Good/Excellent
  • Foreign transaction fees: None
  • Car rental loss and damage insurance
  • Premium car rental privileges
  • Trip cancellation and interruption insurance
  • Return protection
  • Purchase protection
  • Extended warranty
  • 24/7 Platinum Card® Concierge services
  • By Invitation Only® access

Intro Purchase APR

N/A

Regular Purchase APR

See Pay Over Time APR

Intro BT APR

N/A

Regular BT APR

N/A

Annual Fee

$695

Cash Advance Fee

Either $10 or 5% of the amount of each cash advance, whichever is greater.

Foreign Transaction Fee

None

Balance Transfer Fee

N/A

What we like about The Platinum Card® from American Express

  • Generous welcome offer

    Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. If you use your points to book a flight through American Express Travel, that’s a $800 value.

    That’s one of the most valuable welcome offers among travel cards. You can increase the value of your points from 1 cent on American Express Travel to around 2.2 cents by transferring them to travel partners, depending on where and when you redeem them.

  • High rewards rate on travel purchases

    The Platinum Card® from American Express offers 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel on up to $500,000 on these purchases per calendar year and 5X Membership Rewards® points on prepaid hotels booked with American Express Travel. Terms apply.

    The rewards rate on flights is much higher than other similar cards, including the Capital One Venture X Rewards Credit Card and the Chase Sapphire Reserve®. Even though it doesn’t offer elevated rewards on much else, the rewards rate could still provide a lot of value to frequent flyers.

  • Credits worth more than $1,500

    The Platinum Card® from American Express offers valuable travel credits, which can help you cover the cost of the annual fee, including:

    • Up to $200 hotel credit: Redeemed as statement credits on select prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel
    • Up to $200 airline fee credit: Select one qualifying airline at the beginning of the year and receive statement credits for incidental fees, like checked bags and in-flight refreshments
    • Global Entry or TSA PreCheck credit: Get either a $100 statement credit for Global Entry or a statement credit for up to $85 for TSA PreCheck
    • Up to $189 CLEAR® Plus credit: Up to $189 in statement credits per calendar year for CLEAR Plus (enrollment required)
    • Up to $200 Uber Cash: Up to $200 in Uber savings on rides or eats orders in the U.S. annually
    • Up to $155 Walmart+ credit: A statement credit of $12.95 (plus taxes where applicable) after paying for a Walmart+ membership (enrollment required)
    • Up to $300 Equinox credit: Statement credits each calendar year on a digital or club membership at Equinox (enrollment required)
    • Up to $240 digital entertainment credit: $20 back in statement credits each month on eligible purchases on Disney+, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal (enrollment required)
    • Up to $100 Saks Fifth Avenue credit: $50 in statement credits semi-annually (enrollment required)
    • $300 SoulCycle at-home bike credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card® (Equinox+ subscription required)

    These credits add up to more than $1,500 — which can cover the high annual fee of the card if you take advantage of them. Just be aware that not all of them are applied automatically, and you may have to jump through a couple of hoops to use them.

    For example, the airline fee credit requires you to pick a qualifying airline before you can use the credit. The hotel credit also must be used on bookings for American Express’s Fine Hotels + Resorts® or The Hotel Collection through American Express Travel — and requires a minimum two-night stay.

  • Flexible redemption options

    There are many ways you can use your American Express Membership Rewards. The most valuable way to redeem them is by transferring them to one of American Express’s travel partner loyalty programs, which include:


    • Asia Miles

    • British Airways Executive Club

    • Delta SkyMiles®

    • Emirates Skywards

    • Etihad Guest

    • Finnair Plus

    • Flying Blue


    • Iberia Plus

    • Marriott Bonvoy™

    • Qantas Frequent Flyer

    • SAS EuroBonus

    • Singapore KrisFlyer

    • Virgin Atlantic Flying Club

    Depending on when and where you transfer points, they could be worth around 2.2 cents each — which is extremely valuable.

    Some other ways you could redeem them include claiming statement credits, booking travel through American Express’s travel portal, using points at checkout in certain stores, selecting gift cards and more.

  • Hotel elite status

    Cardholders qualify for Marriott Bonvoy Gold Elite Status, which allows you to receive upgrades to enhanced rooms upon check-in when available (enrollment required).

    You will also be eligible for Hilton Honors Gold status (enrollment required), which lets you earn space-available room upgrades, daily food and beverage credits or continental breakfast and more.

  • Global airport lounge access

    The Platinum Card® from American Express offers cardmembers access to The Global Lounge Collection, which includes more than 1,400 lounges in over 140 countries. That includes the Centurion® Lounges from American Express, which have plenty of services and amenities. Those include:


    • Member Services Professionals that can help you adjust your current travel itinerary, book future travel and more

    • Signature cocktails, premium spirits and curated wine

    • High-speed Wi-Fi

    • Semi-private workspace


    • TVs

    • Spa services

    • Wine tasting

    • Luggage lockers

    On top of access to Centurion® Lounges, The Global Lounge Collection also offers access to these groups of lounges, which are widely available at airports both in the U.S. and internationally:


    • The International American Express Lounges

    • Priority Pass

    • Escape Lounges


    • Delta Sky Club®

    • Plaza Premium

    • Air Space

  • Wellness and entertainment credits

    Whether you’re ready for a workout or eager to kick back with some digital entertainment, The Platinum Card® from American Express has credits that can help. Get up to $300 back a year toward the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your link provided by Amex to enroll. And get up to $240 back a year (enrollment required) toward eligible digital entertainment purchases with Peacock, Audible, SiriusXM and the New  York Times.

What to look out for with The Platinum Card® from American Express

  • Annual fee

    The Platinum Card® from American Express charges an annual fee of $695. Regardless of the card’s extensive benefits, that is a hefty bill.

    However, it can be made back fairly quickly by taking advantage of the card’s many benefits and credits.

    To see rates & fees for The Platinum Card® from American Express please click here.

  • You may have to pay your balance in full each month

    Unlike typical cards, The Platinum Card® from American Express only allows you to carry a balance for certain charges — but not all.

  • Low rewards rate on non-travel purchases

    The Platinum Card® from American Express earns 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel on up to $500,000 on these purchases per calendar year and 5X Membership Rewards® points on prepaid hotels booked with American Express Travel. Terms apply.

    It doesn’t include other categories like dining or groceries, which may make it hard to earn points on everyday purchases outside of travel.

  • International acceptance may be limited

    American Express is accepted by 99% of U.S. merchants, according to a 2022 Nilson Report. However, its availability abroad can be limited. If you’re traveling internationally, you should bring a Visa or Mastercard with you, which are more commonly accepted.

Alternate premium travel cards to The Platinum Card® from American Express

The Platinum Card® from American Express vs. Chase Sapphire Reserve®

| Disclosures
Chase Sapphire Reserve®
Chase Sapphire Reserve®
apply-now-icon Apply Now
on Chase's secure site
N/A
22.49% – 29.49% Variable
$550
Earn 5x total points on flights and 10x total points on hotels
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority PassTM Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
  • Member FDIC
720 850
Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

If more simple benefits and a lower annual fee is important to you, The Chase Sapphire Reserve® may be a better fit. Chase Sapphire Reserve® has a slight advantage for less frequent travelers by charging a lower annual fee of $550 that can be more than half offset by the card’s $300 flexible travel credit. This credit applies to most travel expenses, including airfare, making it easier to use than most of the credits from The Platinum Card® from American Express.

The Platinum Card® from American Express Chase Sapphire Reserve®
Up to $200 in Uber Cash per year for rides and eats in the U.S. ($15 monthly, $20 in December, enrollment required)Earn 10x total points on Lyft rides through March 2025
Up to $100 annual statement credit to Saks Fifth Avenue or saks.com (enrollment required)Up to $100 in statement credits for Global Entry, TSA Precheck or NEXUS applications every 4 years
Up to $240 digital entertainment credit per year for eligible transactions with partners such as Peacock and the New York Times (enrollment required)Up to $300 annual travel credit
Access to the Global Lounge Collection over 1,200 airport lounges (including Priority Pass) (enrollment required)Priority Pass™ Select membership
Complimentary benefits at Fine Hotels and Resorts (enrollment required)Complimentary benefits at The Luxury Hotel and Resort Collection
$195/year for each authorized user$75/year for each authorized user

To see rates & fees for The Platinum Card® from American Express please click here.

The Platinum Card® from American Express vs. Capital One Venture X Rewards Credit Card

| Disclosures
Capital One Venture X Rewards Credit Card
Capital One Venture X Rewards Credit Card
apply-now-icon Apply Now
on Capital One's secure site
Rates & Fees
N/A
19.99% - 29.99% (Variable)
$395
2 Miles per dollar on every purchase, every day; 10 Miles per
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
720 850
Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

If you don’t want to deal with that card’s large annual fee but still want a high rewards rate on travel, TSA PreCheck or Global Entry and a valuable travel credit, the Capital One Venture X Rewards Credit Card could be your best choice. It’s another luxury travel credit card that offers a generous travel rewards rate, travel credits and lounge access. It also has a lower $395 annual fee.

You’ll earn 2 Miles per dollar on every purchase, every day; 10 Miles per dollar on hotels and rental cars booked through Capital One Travel; 5 Miles per dollar on flights booked through Capital One Travel, plus a generous sign-up bonus: Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.

On the other hand, it doesn’t have as many travel benefits as The Platinum Card® from American Express . It offers a $300 annual travel credit for bookings through Capital One Travel and a $100 Global Entry or TSA PreCheck credit — but The Platinum Card® from American Express has a lot more credits available.

See Capital One Venture X Rewards Credit Card rates and fees.

The Platinum Card® from American Express vs. Delta SkyMiles® Reserve American Express Card

| Disclosures
Delta SkyMiles® Reserve American Express Card
Delta SkyMiles® Reserve American Express Card
apply-now-icon Apply Now
on American Express's secure site
Rates & Fees
| Terms Apply
N/A
20.99%-29.99% Variable
$650
Earn 3X Miles on Delta purchases. Earn 1X Mile on all other
  • Earn 100,000 Bonus Miles after you spend $6,000 in purchases on your new Card in your first 6 months.
  • Enjoy complimentary access to the Delta Sky Club® when traveling on a same-day Delta-marketed or Delta-operated flight. You will receive four Delta Sky Club One-Time Guest Passes each year. After that, you may bring up to two guests at a per-visit rate of $50 per person, per location. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club. To earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
  • Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.
  • NEW! Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
  • NEW! Earn $1 Medallion® Qualification Dollar for each $10 of purchases made on your Delta SkyMiles® Reserve American Express Card in a calendar year and get a boost toward achieving elevated Medallion Status for next Medallion Year.
  • ENHANCED! Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights to select destinations each year after renewal of your Card. The Companion Ticket requires payment of the government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
  • NEW! $240 Resy Credit: With the Delta SkyMiles® Reserve American Express Card Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
  • NEW! $120 Rideshare Credit: You can earn up to $10 back in statement credits each month on U.S. rideshare purchases with select providers after you pay with your Delta SkyMiles® Reserve American Express Card. Enrollment Required.
  • Eligible Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • With your Card receive upgrade priority over other Medallion Members within the same Medallion level and fare class.
  • NEW! Not a Medallion Member? Delta SkyMiles® Reserve American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members. Ticket must be purchased on or after February 1, 2024 to be eligible to receive a complimentary upgrade.
  • Fee Credit for Global Entry or TSA PreCheck®: Receive $100 back for Global Entry or $85 back for TSA PreCheck® after you apply through any Official Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
  • Earn 3X Miles on Delta purchases.
  • Earn 1X Miles on all other eligible purchases.
  • NEW! $200 Delta Stays Statement Credit: Delta SkyMiles® Reserve American Express Card Members can earn up to $200 back in the form of a statement credit annually on eligible prepaid Delta Stays bookings on delta.com.
  • NEW! Transform your car rental experience with Hertz President’s Circle Status, compliments of your Delta SkyMiles® Reserve American Express Card. Enrollment in the Hertz Gold Plus Rewards program is required. To receive the benefit, you must add your Hertz Gold Plus Rewards Account number to your SkyMiles Account associated with your Eligible Card, register at delta.com/mypromos/eligible, and “Enroll in Promotion” at delta.com/hertz.
  • No Foreign Transaction Fees.
  • Want even more flexibility? Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
  • Enjoy your first checked bag free on Delta flights.
  • $650 Annual Fee.
  • Terms Apply.
660 720 850
Good/Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

If you mostly fly with Delta, the Delta SkyMiles® Reserve American Express Card may be a better fit than The Platinum Card® from American Express. Unlike The Platinum Card® from American Express, the Delta SkyMiles® Reserve American Express Card is a co-branded card that offers Delta-specific rewards and benefits.

The card lets you earn 3X Miles on Delta purchases. Earn 1X Mile on all other eligible purchases. There’s also a big welcome offer: Earn 100,000 Bonus Miles after you spend $6,000 in purchases on your new Card in your first 6 months.

Not surprisingly, this card comes with a ton of Delta benefits, including:

  • 15% off award flights
  • Delta status boost to get you closer to Medallion Status
  • A Delta Reserve annual companion certificate when you renew your card
  • Access to Delta Sky Club and The Centurion Lounge
  • First checked bag free

However, you can only use most of the card’s benefits with Delta Air Lines, which means it’s only worth it if you fly Delta frequently. If you’re looking for more flexibility, The Platinum Card® from American Express is the better choice.

To see rates & fees for Delta SkyMiles® Reserve American Express Card please click here.

Is The Platinum Card® from American Express right for you?

The Platinum Card® from American Express is worth it if you take advantage of the majority of its benefits and credits. So if you already love utilizing airport lounges, making in-flight purchases and staying in Marriott and Hilton resorts, then this card will likely be a good fit for your lifestyle.

This card isn’t worth it if the card’s offerings aren’t already a part of your spending habits. You won’t save as much money if you get it just to start using Uber Eats more, for example.

If you’re looking for a simpler but similar card, the Chase Sapphire Reserve® might be a good option. It offers a $300 flexible travel credit and other luxury benefits like airport lounge access and a Global Entry or TSA PreCheck or NEXUS fee credit. You wouldn’t have to worry about taking advantage of niche credits — and you can focus instead on getting your value from the card by transferring your points to travel partners.

apply-now-icon Apply Now
on American Express's secure site
Rates & Fees
|Terms Apply

To see rates & fees for The Platinum Card® from American Express please click here.

To see rates & fees for Delta SkyMiles® Reserve American Express Card please click here.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.