Who it's for
Premium travelFree hotel nightsAirport loungesTravel credits & perksLounge access
Amex Platinum
Annual fee raised to $895 in Sept 2025. Major credit refresh: added $400 Resy and $300 lululemon credits in 2026. Removed Saks credit July 2026. Total stated credit value $2,484+/yr but realistically captured value is $800-$1,500 depending on lifestyle. Best lounge access of any card.
$2,674/yrest. value at typical spending
$895annual fee
$2,484yearly credits
−$1,589fee after credits
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| Category | Rate | Typical spend |
|---|---|---|
| Dining | 1x | $400/mo |
| Groceries | 1x | $600/mo |
| Flights & hotels | 5x | $300/mo |
| Rent | 1x | $2,500/mo |
| Gas & transit | 1x | $150/mo |
| Streaming | 1x | $80/mo |
| Online shopping | 1x | $200/mo |
| Everything else | 1x | $600/mo |
Rates are what our model counts per dollar. Brand-specific bonuses (like a hotel card at its own hotels) are blended, since most people don't put all category spending with one brand. Typical spending here means our quiz defaults: $4,830 a month, including $2,500 rent or mortgage. Points are valued at 1.5¢ each (travel portal redemption); transferring to airline or hotel partners can be worth more.
Rewards and perks
Points, 13 transfer partners · Airport lounge access
- $600 Hotel Credit — Fine Hotels + Resorts or The Hotel Collection prepaid stays ($300 semi-annually, 2-night min for Hotel Collection)
- $400 Resy Credit — $100/quarter at U.S. Resy restaurants (NEW for 2026, enrollment required)
- $300 Digital Entertainment Credit — $25/mo at Disney+, Hulu, ESPN, NYT, WSJ, Peacock, Paramount+, YouTube Premium/TV
- $300 lululemon Credit — $75/quarter at U.S. lululemon stores and lululemon.com (NEW for 2026, enrollment required)
- $200 Uber Cash — $15/mo + $20 bonus in December for U.S. rides and Uber Eats orders
- $120 Uber One — annual credit for auto-renewing Uber One membership
- $209 CLEAR+ Credit — covers full membership annually
- $200 Airline Fee Credit — incidental fees (checked bags, in-flight purchases) at one chosen airline
- $155 Walmart+ Credit — $12.95/mo covers monthly Walmart+ membership
- $120 Global Entry/TSA PreCheck credit (every 4 years)
- Centurion Lounges, 10 Delta Sky Club visits annually (when flying Delta), Priority Pass Select
- 5x on flights booked direct with airlines or via Amex Travel (up to $500k/yr)
- 5x on prepaid hotels booked via Amex Travel
- Complimentary Marriott Bonvoy Gold + Hilton Honors Gold status
- Saks Fifth Avenue credit REMOVED as of July 1, 2026
- Centurion Lounge access tightened July 8, 2026: 5-hour window before flight, guests must be on same flight
Transfer partners
Delta SkyMilesAir Canada AeroplanANA Mileage ClubBritish Airways AviosCathay Pacific AsiaMilesEmirates SkywardsEtihad GuestAir France-KLM Flying BlueQantas Frequent FlyerSingapore KrisFlyerTurkish Miles&SmilesHilton HonorsMarriott Bonvoy
Head-to-head
- Amex Platinum vs Chase Sapphire Reserve
- Amex Platinum vs Capital One Venture X
- Amex Platinum vs Delta Reserve
Similar cards
- Chase Sapphire Reserve$795 annual fee$2,521est. value/yr
- Marriott Bonvoy Brilliant$650 annual fee$1,547est. value/yr
- Bilt Palladium Card$495 annual fee$1,844est. value/yr
- Capital One Venture X$395 annual fee$1,817est. value/yr
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