LIVE
30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·
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Credit card review

American Express Platinum Card Review

American ExpressAmexTravel

American Express Platinum Card earned 4.8 / 5 in our 2026 review. The American Express Platinum Card earns 5x on flights amex travel with a $695 annual fee, a 80,000 Membership Rewards points welcome offer. Here is the full Fintiex review for 2026.

By the Fintiex Card Desk · Updated 2026-04-29
American Express Platinum Card credit card
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TL;DR
Annual fee
$695
Signup bonus
$1,600
Top reward rate
5x on flights amex travel
Intro APR
None
Issuer
American Express
Network
Amex
Min credit score
720
Fintiex rating
4.8 / 5
Pros
  • +5x Membership Rewards on flights booked directly with airlines or via Amex Travel (up to $500,000 per year)
  • +5x on prepaid hotels booked via Amex Travel
  • +$200 airline fee credit per year for incidental fees on one selected airline
  • +$200 Uber Cash annually ($15/month Jan-Nov, $35 in Dec)
  • +$240 digital entertainment credit ($20/month) - Disney+, Hulu, ESPN+, NYT, Peacock, and more
  • +$155 Walmart+ credit annually
  • +$300 Equinox credit annually
  • +$100 Saks Fifth Avenue credit annually ($50 semi-annual)
  • +$189 CLEAR Plus credit annually
  • +Access to Centurion Lounges, Delta Sky Club (with Delta flights), and Priority Pass Select
  • +Global Entry or TSA PreCheck application fee credit
  • +Fine Hotels + Resorts benefits (room upgrades, late checkout, credits)
  • +Marriott Bonvoy Gold Elite and Hilton Honors Gold status
  • +No foreign transaction fees
Cons
  • -$695 annual fee requires actively using credits to justify cost
  • -Only 1x points on most everyday spending
  • -Many credits are use-it-or-lose-it and require enrollment
  • -Not accepted everywhere Visa/Mastercard are
  • -Centurion Lounge access limited during peak hours

Rewards detail

flights amex travel
5x
hotels amex travel
5x
everything else
1x

Fintiex values American Express points at about 2.00 cents each, based on current transfer-partner redemption rates. Your real value will depend on how you redeem.

Rates and fees

Annual fee
$695
Purchase APR
21.49% to 29.49%
Variable, based on prime rate and creditworthiness
Intro APR
Not offered
Balance transfer APR
21.49% to 29.49%
Cash advance APR
29.99%
Balance transfer fee
5%
Or $5 minimum, whichever is greater
Foreign transaction fee
None
Who it's for

The Platinum Card is built for people who want a travel card. Most approvals land at FICO 720 and above, but issuers prefer scores near 750. If your credit profile is below the minimum, look at one of the secured or student picks on our hub before applying to avoid an unnecessary hard inquiry.

Not sure this is the right fit? See our best travel cards roundup.

Compare with similar cards

Chase
Sapphire Preferred Card
5x on travel via Chase
$95 fee→
Chase
Sapphire Reserve
10x on chase travel portal
$550 fee→
Capital One
Venture X Rewards Credit Card
10x on hotels capital one travel
$395 fee→
American Express
Gold Card
4x on dining
$325 fee→

Frequently asked questions

Does the Platinum Card have a foreign transaction fee?
No. The American Express Platinum Card charges no foreign transaction fees, so it works well for travel abroad. You pay the same network exchange rate you would get at home.
What credit score do I need for the Platinum Card?
Approvals typically start around a FICO score of 720, but American Express prefers 750 and above. Income, debt-to-income ratio, and existing relationships with the issuer also factor in.
How much is the Platinum Card signup bonus?
New cardholders earn 80,000 Membership Rewards points after spending $8,000 in the first few months. Fintiex values that at about $1,600 based on current redemption rates. Match the bonus to a real planned purchase so you do not overspend chasing it.
Does the Platinum Card have a 0% intro APR offer?
No. The American Express Platinum Card does not currently offer a 0% intro APR period. The standard variable purchase APR is 21.49% to 29.49%. If you need a 0% intro card for a big purchase or balance transfer, check our 0% APR picks instead.
How much is the annual fee on the Platinum Card?
$695 per year. To break even you need to earn enough rewards and credits to cover that fee. We walk through the math in the rewards detail section above.
Is the Platinum Card worth it?
Fintiex rates the American Express Platinum Card 4.8 out of 5 for 2026. It is best for travel. Compare against our top picks in each category before you apply to make sure it matches your spending pattern.

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