American Express Platinum Credit Card

Card Details
Rewards	5× Membership Rewards® points on flights booked directly with airlines or via Amex Travel, and on prepaid hotels booked through Amex Travel. 1× point on most other eligible purchases
Signup Bonus	Up to 175,000 Membership Rewards® points after spending $8,000 in the first 6 months
Annual Fee	$895
Cardmember Agreement	View Here
Cash Advance APR	Prime Rate + 21.99% (variable)
Cash Advance Fee	Either $10 or 5% of the cash advance amount, whichever is greater.
Late Payment Fee	Up to $40
Purchases APR	Prime Rate + 12.74% to Prime Rate + 19.74% (variable) for eligible balances
* Card terms and offers are subject to change. Confirm current details with the issuer.

CARD OVERVIEW

The American Express Platinum Card is best known for its premium travel perks, luxury airport lounge access, and a hefty annual fee that people either love justifying or love to complain about. Most users say the card shines for frequent travelers thanks to benefits like Centurion Lounge access, statement credits, and strong airline and hotel partner perks.

Many reviewers mentioned that the card feels “worth it” if you travel often and fully use the annual credits. They also praise the customer service, the concierge, and the overall prestige factor—people definitely enjoy the experience that comes with carrying the Platinum.

On the flip side, users often point out that the credits can feel overly complicated or hard to maximize. The annual fee is a major sticking point, and some say the everyday rewards rate isn’t competitive unless your spending is travel-heavy. A few also mention that perks overlap with other cards they already have, making it harder to see the value.

Personally, I think the Platinum is ideal for business travelers, airport lounge lovers, and anyone who wants luxury perks built into their trips. If you don’t travel frequently or prefer simple cash-back rewards, you’ll likely find better value elsewhere.