American Express · American Express · personal · Amex Membership Rewards
Web-verified 2026-09-08.
Review the linked sources below for offer details and eligibility.
Review the linked sources below for offer details and eligibility.
$895
annual fee
0%
foreign txn fee
$1,876
credits/yr realistic ($3,024 face)
$3,500
sign-up bonus ≈ 175000 points after $12,000/6mo
Earning
| Airfare (booked direct)
Booked directly with airlines or through Amex Travel
up to $500,000/year, then 1x
|
5x | 10% |
| Amex Travel portal (Issuer travel portal)
5x prepaid hotels booked through Amex Travel; 2x other Amex Travel purchases
|
5x | 10% |
| Everything else | 1x | 2% |
Right column: value per $ at travel valuation (2¢/pt). Statement credit ~0.6¢ (1.1¢ via Schwab Platinum). Travel value assumes airline transfers.
Credits
- $600 Hotel credit (FHR / The Hotel Collection) /year · medium to useTwo $300 semiannual credits for prepaid Fine Hotels + Resorts or Hotel Collection bookings via Amex Travel
- $400 Resy dining credit /year · medium to use · enrollment required$100 per quarter at U.S. Resy restaurants; enrollment required
- $300 Lululemon credit /year · medium to use · enrollment required$75 per quarter at Lululemon; enrollment required
- $300 Digital entertainment credit /year · easy to use · enrollment required$25/month: Disney+, Hulu, ESPN+, Peacock, NYT, WSJ
- $200 Airline incidental fee credit /year · medium to use · enrollment requiredBaggage, seat and other fees on one selected airline
- $200 Uber Cash /year · easy to use · enrollment required$15/month plus $20 in December, for Uber rides and Uber Eats in the U.S.
- $200 Oura Ring credit /year · hard to use · enrollment requiredStatement credit for an Oura Ring purchase
- $155 Walmart+ membership credit /year · medium to use · enrollment requiredMonthly Walmart+ membership reimbursed (~$12.95/mo)
- $120 Uber One membership credit /year · medium to use · enrollment requiredUber One membership fee reimbursed
- $219 CLEAR Plus credit /year · medium to use · enrollment requiredCLEAR Plus membership
- $300 Equinox credit /year · hard to use · enrollment requiredEquinox membership credit
- $120 Global Entry / TSA PreCheck /every 4 years · easy to use · enrollment required$120 Global Entry every 4 years or $85 TSA PreCheck every 4.5 years
Benefits
- No foreign transaction fees
- Centurion Lounges, Delta Sky Club (10 visits/yr, unlimited after $75k spend), Priority Pass Select, Escape, Plaza Premium, Lufthansa lounges
- Marriott Bonvoy Gold and Hilton Honors Gold
- Transfers to ~20 airline and hotel partners
- Car rental status: Hertz Gold Plus Five Star, Avis Preferred Plus, National Emerald Club Executive
- Cell phone protection — Up to $800 per claim, 2 claims/yr, $50 deductible
- Platinum Concierge
- Amex Offers
Protections
| purchase protection | 90 days, up to $10,000 per occurrence / $50,000 per year |
| extended warranty | +1 year on warranties of 5 years or less |
| return protection | 90 days, up to $300 per item / $1,000 per year |
| trip cancellation | Up to $10,000 per trip / $20,000 per year |
| trip delay | Up to $500 per trip after 6 hours (2 claims per year) |
| lost luggage | Up to $2,000 checked / $3,000 combined |
| rental car | secondary |
| cell phone | Up to $800 per claim, 2 claims per year, $50 deductible |
Notes
WEB-VERIFIED 2026-09-08 against https://www.bankrate.com/credit-cards/reviews/the-platinum-card-from-american-express/: $895 fee, 5x flights (to $500k), credits: $600 hotel, $400 Resy, $300 Lululemon, $300 entertainment, $300 Equinox, $200 airline, $200 Uber, $200 Oura, $155 Walmart+, $120 Uber One, $219 CLEAR, $120 GE; no FTF (Bankrate, Jul 10 2026). Protections still from model knowledge. Refreshed September 2025: annual fee $695 -> $895, added Resy, Lululemon, Oura and larger hotel credits; Saks credit ended.