American Express Platinum Card
American Express Platinum: premium rewards, travel benefits, and exclusive access to events, ideal for travelers and luxury seekers.
By: Zienic
Unrivaled Travel Perks
Enjoy complimentary access to over 1,400 airport lounges worldwide, elite hotel status, and statement credits for travel bookings.
Luxury Lifestyle Benefits
Gain VIP access to exclusive events, concierge services, and entertainment experiences curated just for cardmembers.
Robust Rewards Program
Earn 5X Membership Rewards® Points on flights and prepaid hotels booked through Amex Travel, and 1X on other purchases.
Comprehensive Purchase Protection
Shop with confidence thanks to extended warranty, return protection, and purchase security on eligible items.
A Platinum Standard: Inside the Amex Platinum Experience
The American Express Platinum Card stands as a symbol of prestige and convenience, offering a world of benefits to its holders. From the moment you become a cardmember, you’re welcomed into an ecosystem built for travel, luxury, and efficiency. Frequent flyers will appreciate features like complimentary access to Centurion®, Priority Pass™, and Delta Sky Club® lounges, as well as up to $200 in airline fee credits annually. Hotel lovers benefit from Gold Status at Marriott Bonvoy and Hilton Honors, while global adventurers enjoy no foreign transaction fees and personalized travel support. But the perks go beyond travel. The Platinum Card includes access to exclusive events, early ticket sales, and even curated dining experiences. Members also enjoy up to $240 in digital entertainment credits, up to $300 Equinox credit, and Uber VIP status with $200 in annual Uber Cash. While the annual fee is high, the value delivered can easily outweigh the cost — especially for those who maximize the card’s full range of benefits. In essence, the Amex Platinum isn’t just a credit card — it’s a passport to a more elevated lifestyle.
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What credit score do I need for the Amex Platinum Card?
Most approved applicants have excellent credit, generally a FICO score of 700 or higher.
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Does the Amex Platinum have foreign transaction fees?
No — the Platinum Card does not charge foreign transaction fees, making it great for international travel.
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Is the annual fee worth it?
Yes, if you travel frequently or use the many credits and perks, the card’s benefits can easily outweigh its $695 annual fee.
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Can I add authorized users?
Yes, you can add authorized users for a fee. They’ll receive many travel and lifestyle benefits as well.
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What is the current welcome offer?
Offers vary, but new applicants can often earn around 80,000 to 120,000 Membership Rewards® Points after qualifying purchases.
How to Apply for The American Express Platinum Card
Applying for the American Express Platinum Card is a streamlined process that can be completed in just a few minutes. Start by visiting the official American Express website or downloading the Amex mobile app. On the Platinum Card product page, you’ll find an “Apply Now” button — click it to begin your secure application. You’ll be asked to provide basic information such as your full name, Social Security Number, income, address, and employment status. While there’s no strict minimum credit score requirement published, this card is generally geared toward applicants with excellent credit (typically 700+ FICO). Make sure your credit report is up to date and your income can support the card’s $695 annual fee (as of 2025). If approved, you’ll typically receive an instant decision, and your metal card will arrive by mail within a few business days. New cardmembers can often take advantage of a generous welcome offer — such as earning 80,000+ Membership Rewards® Points after meeting a minimum spending requirement. Once your card is activated, you’ll gain immediate access to many digital benefits through your Amex account. If you value luxury and travel perks, applying for the Platinum Card is a smooth first step toward an upgraded lifestyle.