{"id":"amex-platinum","name":"The Platinum Card® from American Express","issuer":"American Express","network":"American Express","productType":["travel","premium","charge card","rewards"],"isBusiness":false,"rewardsCurrency":"American Express Membership Rewards","annualFee":895,"annualFeeWaivedFirstYear":false,"foreignTransactionFeePct":0,"apr":null,"signupBonus":{"amount":175000,"unit":"points","estimatedValueUsd":3500,"minSpendUsd":12000,"windowDays":180,"description":"Welcome offer as high as 175,000 Membership Rewards points after spending $12,000 in eligible purchases in the first 6 months. This is an 'as high as' offer and the amount you are approved for may be lower (base offers as low as 80,000 have been reported after the credit pull). Estimated value assumes ~2.0 cents per point."},"baseEarnRate":{"category":"Everything else","rate":1,"unit":"x"},"earnRates":[{"category":"Flights booked directly with airlines or through American Express Travel","rate":5,"unit":"x","capUsd":500000},{"category":"Prepaid hotels booked through American Express Travel","rate":5,"unit":"x","capUsd":null},{"category":"Everything else","rate":1,"unit":"x","capUsd":null}],"credits":[{"name":"Hotel Credit (Fine Hotels + Resorts / The Hotel Collection)","valueUsd":600,"frequency":"semiannual","note":"Up to $300 semi-annually ($600/yr) on prepaid Fine Hotels + Resorts or The Hotel Collection bookings via Amex Travel; two-night minimum for The Hotel Collection."},{"name":"Resy Dining Credit","valueUsd":400,"frequency":"quarterly","note":"Up to $100 per quarter ($400/yr) at U.S. restaurants and eligible Resy purchases. Enrollment required."},{"name":"Digital Entertainment Credit","valueUsd":300,"frequency":"monthly","note":"Up to $25/month ($300/yr) for Disney+, ESPN+, Hulu, The New York Times, Peacock, Paramount+, Wall Street Journal, YouTube Premium and YouTube TV. Enrollment required."},{"name":"Lululemon Credit","valueUsd":300,"frequency":"quarterly","note":"Up to $75 per quarter ($300/yr) on lululemon purchases (in-store and online). Enrollment required."},{"name":"Equinox Credit","valueUsd":300,"frequency":"annual","note":"Up to $300/yr toward Equinox club membership, Equinox+ digital fitness subscription, or a SoulCycle At-Home bike. Enrollment required."},{"name":"Uber Cash","valueUsd":200,"frequency":"monthly","note":"$15 in Uber Cash each month plus a $20 bonus in December ($200/yr) for U.S. Uber rides and Uber Eats orders. Requires Amex Platinum as payment method in the Uber app."},{"name":"Airline Fee Credit","valueUsd":200,"frequency":"annual","note":"Up to $200/yr in statement credits for incidental fees (checked bags, in-flight refreshments, etc.) with one selected qualifying airline. Enrollment required."},{"name":"Oura Ring Credit","valueUsd":200,"frequency":"annual","note":"Up to $200 back per calendar year on an Oura Ring purchase (hardware only). Enrollment required."},{"name":"Walmart+ Credit","valueUsd":155,"frequency":"monthly","note":"Covers a $12.95/month Walmart+ membership (up to $155/yr including taxes). Plus Ups excluded."},{"name":"Uber One Credit","valueUsd":120,"frequency":"monthly","note":"Up to $120/yr issued as $10/month toward an eligible Uber One membership."},{"name":"CLEAR Plus Credit","valueUsd":219,"frequency":"annual","note":"Up to $219/yr in statement credits for a CLEAR Plus membership."},{"name":"Global Entry / TSA PreCheck Credit","valueUsd":120,"frequency":"one-time","note":"Up to $120 for Global Entry every 4 years, or up to $85 for TSA PreCheck every 4.5 years."}],"eligibility":{"recommendedCredit":["excellent","good"],"incomeFloorUsd":null,"issuerRules":["Amex once-in-a-lifetime rule: the welcome bonus can generally be earned only once per Card product, and Amex uses eligibility language to exclude applicants who have or previously held the Card.","Welcome bonus eligibility is shared across affiliated Platinum products (e.g. Schwab and Morgan Stanley Platinum variants).","The up to $100 Saks Fifth Avenue credit was removed for new Card Members effective July 1, 2026."]},"applyUrl":"https://www.americanexpress.com/us/credit-cards/card/platinum/","affiliate":{"network":null,"isSponsored":false},"sources":[{"field":"annualFee","url":"https://www.americanexpress.com/us/credit-cards/card/platinum/","label":"American Express - The Platinum Card official product page","accessedOn":"2026-07-23"},{"field":"signupBonus","url":"https://www.uscreditcardguide.com/amex-platinum-card/","label":"US Credit Card Guide - Amex Platinum welcome offer (175k / $12,000 / 6 months)","accessedOn":"2026-07-23"},{"field":"signupBonus","url":"https://onemileatatime.com/deals/amex-platinum-card-bonus/","label":"One Mile at a Time - Amex Platinum as high as 175k welcome offer","accessedOn":"2026-07-23"},{"field":"earnRates","url":"https://www.americanexpress.com/us/credit-cards/card/platinum/","label":"American Express - 5X flights and prepaid hotels via Amex Travel","accessedOn":"2026-07-23"},{"field":"credits","url":"https://www.americanexpress.com/us/credit-cards/card/platinum/","label":"American Express - statement credits (Resy, Uber, hotel, CLEAR, digital entertainment, lululemon, Walmart+)","accessedOn":"2026-07-23"},{"field":"credits","url":"https://www.dailydrop.com/pages/amex-platinum-refresh","label":"Daily Drop - Amex Platinum 2025 refresh full credit list (Equinox, Oura, CLEAR)","accessedOn":"2026-07-23"},{"field":"credits","url":"https://upgradedpoints.com/news/amex-platinum-2025-major-refresh-details/","label":"Upgraded Points - Amex Platinum 2025 major refresh details","accessedOn":"2026-07-23"},{"field":"annualFee","url":"https://www.cnbc.com/select/amex-platinum-card-2025-changes/","label":"CNBC Select - Amex Platinum $895 fee and 2025 benefit changes","accessedOn":"2026-07-23"},{"field":"eligibility","url":"https://www.nerdwallet.com/travel/news/amex-platinum-saks-credit","label":"NerdWallet - Amex Platinum loses Saks credit starting July 1, 2026","accessedOn":"2026-07-23"}],"lastVerified":"2026-07-23","imageUrl":null}