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Official issuer page →American Express Platinum
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Card facts · each item checked separately against the issuer
| Annual fee | $895 Checked Nov 11, 2026 · source |
|---|---|
| Welcome offer | As high as 175,000 Membership Rewards points After $12,000 in purchases within 6 months of account opening Personalized offer; you may see a lower offer or none. Not guaranteed. Seen Nov 11, 2026 · source |
| Rewards |
5X flight earning has an annual cap; see issuer terms. Checked Nov 11, 2026 · source |
| Lounge access | Centurion Lounges, Priority Pass (enrollment required), Delta Sky Club visits when flying Delta, and other partner lounges Checked Nov 11, 2026 · source |
| Foreign transaction fee | None Checked Nov 11, 2026 · source |
| Travel protections | Verify current terms with issuer |
| Transfer partners | Membership Rewards airline and hotel transfer partners Checked Nov 11, 2026 · source |
| Authorized users | Verify current terms with issuer |
Flying Frugal's take · editorial opinion
The most expensive mainstream travel card, and the one where the fee decision is purely arithmetic: total the credits you will genuinely use at face value, ignore the ones you would not have spent money on anyway, and compare that with the fee. Frequent flyers through airports with Centurion Lounges usually clear it. Occasional travelers rarely do, and the coupon-book structure means the value is not automatic.
Who should get it: Lounge access and premium travel credits.
Alternatives worth comparing
- American Express Gold
Annual fee $325 · Earning transferable points on food spending
- Chase Sapphire Reserve
Annual fee $795 · Travel protections and flexible points
- Chase Sapphire Preferred
Annual fee $95 · A first transferable-points card