The Platinum Card® from American Express
High earn on flights (direct with airlines or via Amex Travel) and prepaid hotels via Amex Travel; extensive credits and lounge access.
Card details reviewed October 2, 2026. Confirm everything on the issuer site.
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Key facts
| Annual fee band | $250+ |
|---|---|
| Welcome offer | Check current offer on issuer site |
| APR and any intro APR | Check current terms on issuer site (see "Rates & Fees") |
| Credit typically targeted | Excellent (a guide only, not a guarantee of approval) |
| Rewards type | Transferable points / miles |
| Foreign transaction fee | None |
| Bonus category caps | No |
| Network | Amex |
| Card for | Personal |
Who it may fit
- Earn travel rewards
Features
Pros
- Broad lounge access
- Premium travel perks
- No foreign transaction fee
Cons
- Very high annual fee
- Weak earn on everyday spending
- Benefits take effort to use
Watch out for
- One of the highest fees in the set; only worth it if you use the credits and lounges.
- Complex benefit list; many credits need enrollment.