Platinum card

Offer Strength

90

Great offer · $250 above typical

Show breakdown

Estimated bonus value: ~$1,750

Base score: 65

Hotel boost: +25

Includes 1-year ongoing benefits (conservative): ~$473

Current $1,750 vs typical $1,500

Net value after annual fee: ~$855

Estimate based on our value hints; not financial advice.

Annual Fee

$895/yr

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AmexPersonal

Platinum

Welcome Offer

Earn up to 175,000 Membership Rewards points after you spend $12,000 on eligible purchases within the first 6 months.

Spend $12,000in 180 daysEarn 175,000 points

Earning Rates

Flights

5x points

Booked directly with airlines or Amex Travel

Prepaid hotels

5x points

Booked through Amex Travel

Everything else

1x points

Key Benefits

Up to $600 hotel credit

Up to $300 semi-annually on Fine Hotels + Resorts or The Hotel Collection.

Up to $400 Resy credit

Up to $100 quarterly at eligible restaurants.

$200 Uber credit

$15 monthly Uber Cash plus $20 bonus in December.

Airport lounge access

Centurion Lounges, Priority Pass, and more.

$155 Walmart+ credit

Annual credit to cover monthly membership.

Up to $300 Equinox credit

Annual credit for Equinox membership.

Perks

Global lounge access

Centurion, Priority Pass Select, Delta Sky Club, and more.

Hotel elite status

Complimentary Gold status with Hilton and Marriott.

Travel protections

Trip delay, baggage, and cancellation insurance.

No foreign transaction fees

Use worldwide without extra charges.

$3,500+ in annual credits

Uber, hotel, dining, Equinox, Walmart+, and more.

Good fit for

TravelLoungeTransferpremiumFlightsPrepaid hotels
Enrollment required for select benefits. Credits are use-it-or-lose-it and have specific redemption windows.