American Express Platinum Card®
Purchase APR 29.49%.
- Annual fee
- Issuer's pageamericanexpress.com
“The annual fee for the Platinum Card® is $895¤† for a Basic Card.”
- Purchase APR
- Issuer's pageamericanexpress.com
“APR: 29.49%”
- Foreign transaction fee
- Issuer's pageamericanexpress.com
“No matter where you're traveling, when you use your Platinum Card ® there are no foreign transaction fees. ‡ ¤”
We don’t earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | −$825 | −$825 |
| Typical spender | −$715 | −$715 |
| Heavy spender | −$500 | −$500 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: points valued at 0.6¢, the program's statement credit for eligible charges value; not counted: 5x Flights purchased directly from airlines or through American Express Travel®; not counted: 5x Prepaid hotels.
Estimates from the published terms above, as checked Oct 10, 2026; not advice. How we value cards
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
How you earn · Membership Rewards® Program
- 5× pointsFlights purchased directly from airlines or through American Express Travel®
- 5× pointsPrepaid hotels
- 1× pointsEverything else
Rates and fees
| Annual fee | Issuer's pageamericanexpress.com “The annual fee for the Platinum Card® is $895¤† for a Basic Card.” |
|---|---|
| Purchase APR | Issuer's pageamericanexpress.com “APR: 29.49%” |
| Foreign transactions | Issuer's pageamericanexpress.com “No matter where you're traveling, when you use your Platinum Card ® there are no foreign transaction fees. ‡ ¤” |
Carrying a balance? See how long it takes to pay off
Benefits
- Global Entry application credit: $120 every 4 years
- TSA PreCheck application credit: $85 every 5 years
- Hotel credit: $300 semiannual
- Resy Credit: $100 quarterly
- Digital Entertainment Credit: $25 monthly
- lululemon Credit: $75 quarterly
- Walmart+ Credit: $12.95 monthly
- Oura Ring Credit: $200 annual
- Equinox Credit: $300 annual
- Uber One membership credit: $120 annual
- Airline incidental fee credit: $200 annual
- CLEAR+® membership credit: $219 annual
- Global Entry statement credit every 4 years or TSA PreCheck statement credit every 5 years
- Global Lounge Collection with access to Centurion Lounges, 10 Delta Sky Club visits when flying on an eligible Delta flight, Priority Pass membership with enrollment, and other select partner lounges
- Over 1,550 airport lounges
- Complimentary premium status for select car rental programs, with enrollment required
- Complimentary Leaders Club Sterling Status from The Leading Hotels of the World®, with enrollment required
- No foreign transaction fees
- Platinum Travel Consultants
- 24/7 Premium Global Assist® Hotline for emergency assistance and coordination services when traveling more than 100 miles from home
- Access to Global Dining Access by Resy, Platinum Nights™ by Resy, Premium Events Collection™, Amex Presale Tickets®, Amex Reserved Tickets®, American Express Venue Collection™, and select event perks
- 10% back on qualifying concessions purchases up to $250 per calendar year at select stadiums and arenas after enrollment
- $15 in Uber Cash each month plus a $20 bonus in December for eligible U.S. Uber rides and orders
- Access to flights and prepaid hotels using Pay with Points through AmexTravel.com or the Amex Travel App™
- Opportunity to transfer Membership Rewards® points to 20 airline and hotel travel partners
- Fine Hotels + Resorts® bookings include benefits such as room upgrade upon arrival when available and a $100 credit toward eligible on-property charges
- The Leading Hotels of the World® Sterling Status includes a 5% Leaders Club points bonus on qualifying stays and 5 pre-arrival upgrades annually, subject to availability
- Cell phone: Up to $800 per claim
- Purchase protection: Up to $10,000 per Covered Purchase, up to $50,000 per calendar year
- Extended warranty: Up to the actual amount charged to the Eligible Card, up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year
- Return protection: Up to $300 per item, up to a maximum of $1,000 per calendar year per Card account
- Emergency assistance
Questions
- What is the annual fee?
- $895 for a Basic Card americanexpress.com, since Oct 8, 2026
- Does it charge a foreign transaction fee?
- No. americanexpress.com, since Sep 29, 2026
- What is the purchase APR?
- 29.49% APR americanexpress.com, since Sep 29, 2026
Other points cards
- JetBlue PremierBarclays · +$625 a year
- Mastercard TitaniumLuxury Card · +$415 a year
- Mastercard BlackLuxury Card · +$15 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).